davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Chase bank released the funds of the fake check into my account when I called to asked why it was on hold ( the check was from the scammers ) I was supposed to pay for the installation of the XXXX XXXX decal stickers for a marketing campaign. They told me no problem the funds are released. And after I noticed the irregularities I called the bank immediately to stop the transfer they made me do. The transaction was still pending. They said so sorry we cant stop it or reverse those funds. But the next day they reversed the funds of the fake check out of my account to be me the only victim of the scammers. Thats completely unfair. Im a divorce mother of XXXX children just trying to make extra money for my household. They bank is responsible for releasing the funds of a fraudulent check!
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

XX/XX/XXXX During the month of XX/XX/XXXX, I became aware that XXXX XXXX had run two unauthorized inquiries on my Social Security numbers, they were done on : XXXX XXXX, XXXX & XXXX XXXX, XXXX I contacted XXXX XXXX about the issue. The call was escalated to the Fraud Department Supervisor, who verified all my information and informed me that he was deleting both the inquiries and would be updating all three credit reporting agencies, such as XXXX XXXX & Experian authorizing them for removal of the inaccurate information from my account, which would be updated within the next 60 90 days. 
XXXX XXXX, XXXX The information was not deleted as agreed. I once again contacted XXXX XXXX to have it resolved and was informed to send it in writing, which I did on XXXX XXXX, XXXX by registered mail. I followed up again and was told to send it again on a XXXX XXXX Form, which I once again did. 
XXXX XXXX, XXXX XXXX XXXX I contacted XXXX XXXX and spoke to the Fraud Department. I was placed on hold for 1 Hour and 5 Minutes. The person identifies herself as the Manager of the Fraud Department and only gave her name as XXXX and refused to give me any additional information or her last name. XXXX stated that her Employee number was XXXX. She informed that though they had received my documentation on XX/XX/XXXX, they could not process it and wanted me to send it to them once again. I asked which address it should have gone to and they stated the XXXX XXXX address in UTAH. It is the same address which I have been sending all the documentation to. 
Bottom Line I believe XXXX XXXX is playing games with removing the fraudulent information and in addition retaliated against me by reducing the credit line on my credit card under the guise of me not using it. They need to fix this issue, as they created it.
Consumer complaint received 2018-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Disputed credit card original purchase in a timely manor. Original purchase date on or about XX/XX/XXXX, in the amount of {$62.00}, merchant XXXX XXXX. Capital One did a transaction re billing of the {$62.00} on or about XX/XX/XXXX without any prior knowledge on my part. I am providing substantial proof of an attached tracking page from XXXX, the pages show two different tracking numbers of items returned to the merchant. The merchandise was returned to the Dock and signed by XXXX on XX/XX/XXXX at XXXX XXXX. ( corporate office location of this merchant/warehouse is XXXX, IA-as the attached tracking information shows ). As in any normal business practice, credit was supposed to be issued to the : Original Payment Method. No mention or instructions were made by the customer to issue any other types of merchandise credits.
Consumer complaint received 2020-12-09
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. (CA)

XX/XX/XXXX During the month of XX/XX/XXXX, I became aware that XXXX XXXX had run two unauthorized inquiries on my Social Security numbers, they were done on : XXXX XXXX, XXXX & XXXX XXXX, XXXX I contacted XXXX XXXX about the issue. The call was escalated to the Fraud Department Supervisor, who verified all my information and informed me that he was deleting both the inquiries and would be updating all three credit reporting agencies, such as XXXX, Equifax & XXXX authorizing them for removal of the inaccurate information from my account, which would be updated within the next 60 90 days. 
XXXX XXXX, XXXX The information was not deleted as agreed. I once again contacted XXXX XXXX to have it resolved and was informed to send it in writing, which I did on XXXX XXXX, XXXX by registered mail. I followed up again and was told to send it again on a XXXX XXXX Form, which I once again did. 
XXXX XXXX, XXXX XXXX XXXX I contacted XXXX XXXX and spoke to the Fraud Department. I was placed on hold for 1 Hour and 5 Minutes. The person identifies herself as the Manager of the Fraud Department and only gave her name as XXXX and refused to give me any additional information or her last name. XXXX stated that her Employee number was XXXX. She informed that though they had received my documentation on XX/XX/XXXX, they could not process it and wanted me to send it to them once again. I asked which address it should have gone to and they stated the XXXX XXXX address in UTAH. It is the same address which I have been sending all the documentation to. 
Bottom Line I believe XXXX XXXX is playing games with removing the fraudulent information and in addition retaliated against me by reducing the credit line on my credit card under the guise of me not using it. They need to fix this issue, as they created it.
Consumer complaint received 2020-11-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I originally took out my mortgage with XXXX  XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I received notice that my loan with XXXX had been transferred Specialized Loan Servicing ( SLS ) as of XX/XX/XXXX. I contacted SLS in early XXXX and was told that the loan transfer takes 30-60 days. In XX/XX/XXXX, I made my payment to SLS. Beginning in XX/XX/XXXX, XXXX XX/XX/XXXX, we made payments to XXXX XXXX  XXXX ( XXXX  ) time without fail or delinquency, on behalf of SLS. In early XX/XX/XXXX, I received a notice from SLS dated XX/XX/XXXX that my account number was reassigned ; Id already made my XX/XX/XXXX payment which was accepted and withdrawn from my account. When I called SLS in XXXX I was told that as of XX/XX/XXXX my payments should be made to SLS, and not XXXX  anymore. Again, I had already made my XXXX payment and it was accepted so I made my payment to SLS for the month of XXXX. Then I received notice of default and intent to foreclose dated XX/XX/XXXX for failure to pay my XXXX payment. I received the same notice again in XXXX and XXXX for failure to pay in XXXX and XXXX, respectively. Even now, my online account still reflects one missing payment. I made the XXXX payment to XXXX, employed by SLS to collect payment, and have proof of payment in the form of e-mails, confirmation numbers, and bank statements.
Consumer complaint received 2016-05-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WA)

I was told I was eligible for a XXXX XXXX XXXX bonus on a new CitiXXXX checking account if I completed certain requirements within 60 days, so I signed up in XXXX of 2015. All requirements were met, which was confirmed with them repeatedly. They collected monthly fees in the amount of {$30.00}, and then when it came time to provide the bonus, I was told I was not eligible and that I would not be getting the bonus. I have tried to escalate this repeatedly with Citi customer service, promotions department, etc, even going as far as showing them proof that I was told I was targeted. It is ridiculous that Citi is allowed to get away with such blatant deceptive marketing practices, and then to collect monthly fees on top of it. I have spent over 15 hours trying to straighten this out, but have now given up hope. I think that Citi should be held accountable for their actions though. I hope that the CFPB can protect consumers from Citi 's deceptive practices in the future. If my complaint helps at all in preventing XXXX other person from signing up for their misleading promotions, then I will be glad.
Consumer complaint received 2021-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST COMMUNITY MORTGAGE, INC. (FL)

Overall closing went well for me, however during the transfer to another mortgage lender the company refused to take my payment before the servicing was transferred and then proceeded to expedite my transfer, thus terminating my account and canceling my payment. 

On XX/XX/XXXX I received a letter that the servicing of my mortgage load is being transferred and would be effective coming XX/XX/2021. And that I was to pay the the other company starting on XXXX XXXX. The letter clearly states " First Community Mortgage , Inc. ( " Present Servicer '' ), is now collecting your payments and will stop accepting payments received from you after XX/XX/2021. Y '' which is then followed by " ... ( " New Servicer '' ), and will begin accepting payments on or after XX/XX/2021. '' This would indicate that I could pay my bill early this month through FCM ( First Community Mortgage ) and not have to deal with the hassle of trying to pay a bill on the day that my service is transferred over on the XXXX of XXXX to the new mortgage company. 

I attempted to pay my bill on the on the XXXX of XXXX. I received a confirmation email that the one time draft activation had occurred. However I received a call from a restricted number on the afternoon of the XXXX of XXXX from a man who said his name was XXXX that my payment did not go through. I asked what the reason was and he wouldn't really give me an answer of what happened but did let me know that he would put in the comments of the tracking of this payment that I had been called. I checked with my bank and I had the appropriate funds for the payment so I went back to the FCM dashboard to see that " Loan removed due to release '' had occurred on the XXXX of XXXX. This is a full 13 days early to the transfer that was listed on the letter I received on the XXXX of XXXX. I attempted to call the customer service line and the person I spoke to was very kind but unable to do anything and said there was no history of my attempted payment and that I had already been transferred. I voiced my concerns there however there is nothing they were able to do. 

This complete negligence regarding abiding to transfer dates they previously provided consumers is deplorable and unacceptable business practice for any company.
Consumer complaint received 2021-04-09
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. (SC)

ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

My credit score was downgraded from Excellent to Vey Good without justification ; the only explanation I received was a long generic meaningless paragraph about algorithms. There was no significant change in my financial situation in XXXX when they reduced my score by 45 points, so I believe that this modification was completely arbitrary and have the right to get an accurate reply to my question. To make it clear I want to know how my credit score was calculated for Excellent and how it was calculated for Very Good and what factor was used to suddenly decrease it by 45 points. And what is the reason it stayed at that level when there are no significant changes in my financial situation. 
I am attaching a screenshot of my credit history.
Consumer complaint received 2020-12-09
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: Experian Information Solutions Inc. (UT)

Below are the open and close dates for each of the disputes I have opened with XXXX. Each time I ask them to provide proof that I opened the account they ask for my information ( which I have given to them more than once ) and they send me billing statements which I do not recognize at all. I provided proof of address of my residence through a bank statement ( attached ) which shows a different address than the one that was used to open the XXXX account. Also attached is the last dispute letter I sent out as well as bank statements from XXXX to XX/XX/XXXX and XX/XX/XXXX to show I still have access to this bank account. 

1. XXXX XX/XX/XXXX - XXXX XXXX 2. XXXX XX/XX/XXXX - XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX - XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX - XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX - XXXX XX/XX/XXXX
Consumer complaint received 2021-03-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Suttell, Hammer & White, P.S (CA)

I got contacted by mail XX/XX/2021 by XXXX XXXX XXXX that they were hired to get a default judgement against me because i owe an alledged debt to a company called synchrony or XXXX I'm confused at this point. so I did a debt validation letter both in my hand writing and a typed letter to get clarification from XXXX XXXX XXXX. I sent it on XX/XX/2021 via USPS certified mail with tracking. On XX/XX/XXXX i got a letter in the with NO copy of any type of signed contractual agreement terms and conditions Nothing, instead there was a weird copy of a billing statement that has an address to pay paypal. Again NO Signed agreement.
Consumer complaint received 2017-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

I have 3 address on my credit file that I have never been associated with I would like them removed from my credit profile, XXXX XXXX XXXX XXXX XXXX va XXXX and XXXX XXXX XXXX XXXX XXXX XXXX va XXXX and XXXX XXXX XXXX XXXX va XXXX, And I will like my Report to be updated with my current address XXXX XXXX XXXX XXXX XXXX va XXXX, I have provided a current bill and a copy of my driver license Thanks
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-10-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (TX)

SOUTHWEST CREDIT SYSTEMS XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX Has re-dated a debt from XXXX to make it appear as if I acquired the debt in XXXX. I did not live in XXXX on XXXX the XXXX, XXXX, and could not have incurred an obligation to the cities water services. See pages 41 and 42 of attachment I submitted a complaint with XXXX via XXXX XXXX, but nothing was fixed or removed. 

My understanding is changing the date on debt is illegal. 

Thank you for your assistance! 
Best, XXXX XXXX
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

I was in a Forbearance Program with my mortgage servicing company, Rushmore Home Loan Services Corp. for XXXX, XXXX and XX/XX/XXXX. I have paid Rushmore Home Loan Services on time and the full monthly mortgage amount from XX/XX/XXXX through XX/XX/XXXX - eight ( 8 ) full months, which included the payments for the forbearance months of XXXX, XXXX and XX/XX/XXXX. On or about XX/XX/XXXX, Rushmore transferred my loan to XXXX XXXX XXXX. I made my XX/XX/XXXX mortgage payment with the new XXXX XXXX XXXX. 

After numerous requests via phone to customer services, and a written request sent to them in XX/XX/XXXX, which they acknowledge receipt of ( attached ), Rushmore has still not correctly reported the eight full payments made on time to the three Credit reporting bureaus - XXXX, XXXX and XXXX. I am requesting that the reports be properly updated. At this time, Rushmore no longer services my mortgage, and I believe they just don't care. Attached is Rushmore 's acknowledgment off my request for credit reporting accuracy.
Consumer complaint received 2020-11-17
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: American Credit Acceptance, LLC (CT)

I submitted several disputes with each credit bureau. I have been a victim of identity theft and as a result my personal information was used and compromised. Several accounts showing on my credit report are listed as a result of identity theft. I have contacted XXXX  and they are refusing to remove these fraudulent account as well as XXXX  and I am not able to gain access to XXXX so that I can dispute these fraudulent accounts with them as well. I have submitted a verified police report as well as an FTC affidavit as verification of being a victim of identity theft. When contacting XXXX  I was told by a representative of the Specialized Fraud Department, that once a dispute is submitted and the company says that the account is yours they will not remove it. This has caused me a major hardship, because my information was stolen and I have been victimized.
Consumer complaint received 2023-03-24
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. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 2022-04-26
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. (SC)

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (TX)

I was under the assumption that I was on auto-pay. It seems like a computer glitch on your companys end may have caused me to somehow get out of auto-pay and its does not seem to be caused by my own doing. I would never try to take myself off auto pay when in fact I only got the credit card to help me establish credit and not hurt it by {$15.00}. Please review my file and take into consideration that this is not my doing and I was on auto pay and never took myself out of it. Please remove the XX/XX/2020 late payment due to the computer glitch in the system.
Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Hello These 2 Address are showing up on my report and I have never lived there. 

XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX
Consumer complaint received 2020-12-09
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX XX/XX/2020 This is the second time I have disputed these inaccurate unverified accounts on my credit report. I has been longer than 30 days, You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # 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