davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-27
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

I XXXX AM AUTHORIZED ON XXXX XXXX BEHALF TO DISCUSS THE PAYMENT HISTORY THAT CHASE HAS PLACED TOGETHER MANY OF THE REPORTS AND INACCURATE PAYMENT HISTORY INFORMATION. IF YOU TAKE A LOOK AT THE PAYMENT HISTORY OVER THE COURSE OF MANY YEAR YOU SEE PAYMENTS FROM XXXX IN XXXX AND XXXX PAYMENTS. 
PLEASE NOTE FOR YEARS HE HAS BEEN STRUGGLING WITH HIS PAYMENT HISTORY AND THE INCORRECT OR INACCURATE REPORTING EVER SINCE HE WENT INTO THE HOMEOWNERSHIP REPRESENTATIVE HWHO HELPED HIM WITH HIS LOAN MODIFICATION. HE PROVIDED HER A PAYMENT AND SHE SAID SHE WOULD TAKE CARE OF IT TO HELP HOM RECEIVE THE, LOAN MODIFICATION HE HAD TO PAY LATE SHE HELD THE PAYMENT AND CHANGE THE PAYMENT HISTORY AROUND HENCE TAKE A LOOK AT THE REPORT YOU BEGIN CHASE DEPTAMENT SENT OUT. 
EVER SINCE THAT REP WENT IN AND CHANGED HIOS PAYMENT HISTORY TO HELP HOM GET TEH LOAN MODIFICATION BC HE WAS NEVER LATE HE HAS HAD PROBLEMS. iT HAS PREVENTED HIM AND HIS WIFE IN FINDING ANY HELPBC THERE CREDIT HAS BEEN HEAVILY IMPACTED
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (GA)

My name is XXXX XXXX. I like to file a complaint against this collection agency for trying to collect a fraudulent debt that does not belong to me. This collection debt is listed on my credit report and this company continuously report this debt, even after I have filed a dispute with the credit bureaus about this. I have attached an Identity Theft Report with this complaint. I have never had or applied for service with XXXX with whom is listed by the collection company upon my credit report. I want this fraudulent collection removed from my credit report immediately. I am a litigious consumer. Under Federal Statue and specific remedies include : The Fair Debt Collection Practices Act, 15 U.S.C. 1692e ( 8 ), and 1692f ( 1 ) imposing liability on third party debt collectors and debt buyers for reporting false credit information and collecting amounts not agreed to by the consumer.
Consumer complaint received 2021-03-03
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Consumer complaint received 2022-09-13
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. (TX)

In compliance with the Fair Credit Reporting Act. XXXX, XXXX XXXX, Experian, has violating 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 consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains personal information about a consumer, unless the consumer consents to the furnishing of the report.
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Credit report information integrator XXXX XXXX, providing services to XXXX XXXX as my lender, has opened a complaint on this directly with Experian. Experian has not updated my account balance since XX/XX/2022. It shows currently a balance due on XXXX XXXX XXXX XXXX loan # XXXX that is {$6000.00} higher than the actual balance. This is impacting my loan status for a new mortgage with XXXX XXXX. I am going to open my own personal complaint as well. The XXXX XXXX mortgage loan officer I am dealing with is XXXX XXXX at XXXX if she is needed to confirm the problems this created due to Experians negligence. XXXX XXXX can confirm that the loan is in good standing
Consumer complaint received 2018-03-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: GREAT LAKES (GA)

I am seeking to participate in a class action lawsuit against the major student loan companies ; XXXX XXXX and Great Lakes. I have been repaying student loans off and on for 23 years, and my loans continue to inflate. I have always worked in XXXX XXXX but have been so misinformed by these companies that I have only been in the right program for 1 year now. I am on an IBR plan now. At times I was told I would qualify for PSLF as the XXXX XXXX program ( I am a school XXXX ). Now I am told I do not qualify but could under the PSLF program but only for the last year that I have been in the correct repayment plan. For years I contacted these companies and others trying to get help and they gave me incorrect information. My public service work goes all the way back to XXXX. I would like to see some of that work time count for the service instead of only after XXXX. I have been mislead at every turn and I can't get ahead of this loan. I now have about 5 years that would qualify under PLS but I was not in the correct plan. I was paying more a month then than I am now under the correct IBR plan. What sense does that make?
Consumer complaint received 2021-04-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION (CA)

Im submitting this complaint on the Decline Letter i received, i'm sure the ADVERSE ACTION LETTER will be coming in the mail soon by law, I had to screenshot due to LIGHTSTREAM not allowing any kind of downloading from the email they sent so i apologize for that.

LIGHTSTREAM has stated they obtained my credit score from my XXXX  report and under the fair credit reporting act I'm entitled to know the information provided to them. I have thoroughly read over the FCRA and I did not find anywhere in that subchapter of a denial of credit in the adverse action section. So I'm confused as to how LIGHTSTREAM denied my Personal Loan? What is credit? The term credit means the RIGHT GRANTED by a creditor ( refers only to a PERSON who both regularly extends, whether in connection with LOANS ) to a debtor to defer payment of debt or to incur debt and defer its payment. I have the right to extend myself credit and use my open ended consumer credit plan.

LIGHTSTREAM has run my credit report and my credit card ( social security number ). I have proof from the Inquire I received on my report, making this a consumer credit transaction. A consumer credit transaction is primarily for PERSONAL, family, or household purposes.

I've explained where the credit comes from ( me ). I've explained how there shouldn't be any denials of credit ( extend myself credit ). Ive explained how all of LIghtStreams denial reasons are not found in the FCRA.
Consumer complaint received 2020-08-24
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. (PA)

XXXX XXXX XXXX has submitted false information to all three credit bureaus under my name. I have contacted XXXX XXXX numerous times to discuss these accounts that were marked as late payments. Not one of 4 agents could locate any account in my name or by my social security number. There are 2 accounts in question on my report. Both accounts are from XXXX XXXX. XXXX reports an account # XXXX with 24 on time payments and 1 late payment. Credit limit {$18000.00} and with an opening date of XX/XX/09 of the account. 

Transunion also has a XXXX XXXX account on my credit report. This account # XXXX states 47 on time payments and 1 late payment. Also with a {$18000.00} credit line and also opened in XX/XX/09. 

Equifax also had a XXXX XXXX account on my credit report Acct # XXXX. This states 0 on time payments and 1 late payment. Also an {$18000.00} credit limit and also opened XX/XX/09. 

I have requested statements for these accounts because I have never has a XXXX XXXX account. XXXX XXXX has not yet been able to furnish any information to me because they have no information on these accounts In the system. 

Due to the lack of response to this matter, I have been unable to obtain a mortgage because of XXXX XXXX XXXX lack of response to my request for information and for falsely reporting inaccurate information on my credit report. I have attached screenshots from all three credit bureaus that appear on my credit report.
Consumer complaint received 2024-05-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Winklevoss Exchange LLC (NE)

XX/XX/23 : Sent {$990.00} USDC from my personal crypto wallet to the corresponding USDC wallet within my Gemini account. Money never appeared. Only after I realized the Gemini wallet shows the ethereum network and I sent the funds from the XXXX network so even though my Gemini wallet has my money in it ( verified by Gemini and on block chain ) they cant do anything about it even though they have access to that wallet. Im sorry but telling someone there money is just gone and inaccessible doesnt really add up and Im not sure a lawyer would accept that either frankly.
Consumer complaint received 2020-05-05
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. (FL)

XXXX XXXX AND EXPERIAN HAS SOME ITEMS ON MY CREDIT REPORT. THAT ARE INACCURATE/NOTMINE/FRAUD. THAT THEY REFUSED TO REMOVE OR DELETE.
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Citi charged me a {$25.00} late fee on XX/XX/2020 and a {$29.00} late fee on XX/XX/2020. The creditor failed to mail me a billing statement for each period and because of that, I was unaware that I had to make a payment. Please provide a credit of at {$54.00} for the late fees AND credit me for any interest accrued due to those late fees. If Citi disagrees with this, please provide proof that you mailed out the credit card statement for all the periods where I was charged a late fee for and proof that I actually received them. Such proof includes tracking information with USPS, XXXX, XXXX, or a certified mail receipt. Thank you.
Consumer complaint received 2018-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

The bank is USAA, I filed a dispute for unauthorized use of my checking account using my debit card. After calling and some correspondence with them we're still not able to come to a solution. At first when I called them I told them that {$200.00} was missing from my checking account. A few days later they gave me back my $ XXXX.Then when my direct deposit ( SSD ) came in 30dys later, USSA took the {$200.00} back without any explanation ( none that I recieved ). This left me with problems that I normally would not have for example, certain neg balance. Once again I corresponded with them. I disputed the unauthorized taking of my funds and they would not give me back my funds until the investigation was done. I after a couple of months I was finally afford the chance to see a deposit statement. This is when I realized that the day in question was in XX/XX/XXXXor XX/XX/XXXX and the money was taken out the same day in New York state. While I was in XXXX Florida. They still did not give me back the {$200.00} ( not  even on a temporary basis ), while they investigated. They then came back at me that their analyst said that the decision stays the same. I explained to them took look at the XX/XX/XXXX statement that I couldn't have been in two places at the same time. They will look into it. After some time and after I wrote again via their web site. They wrote back to say that I was correct and wanted more time to investigate. By this time they should have found out already ( still no replacement of funds ). ( My question at this point ) they took too much time to resolve this issue? Anyway the next I heard from them was to explained that the {$200.00} from my checking account was taken out using my wife 's debit card. After arguing back and forth they something about she has to file fraud. I tell them it's my account not hers although she is authorized to take funds out. However, she did not take any funds out that day, ( I think she was admitted in the hospital that week ). Time went by XX/XX/XXXX to XX/XX/XXXX. Again they fail to resolve this issue in the legal time allotted. It is by this time I find out that my wife 's grandson ( no blood relation to me ) under 17 years of age was the one who took my funds without my knowledge. Mr XXXX from USAA wrote back to me stating that USAA will not give me my money back because I was the one who found out that my grandson took the money therefore it's a civil matter. But he is not my grandson, he is my wife 's grandson and it is my checking account not hers ( a situation that I have try to fix ) ( I never wanted a joint account only a extra debit card for the wife. I need answers and your help am I up the creek without a paddle, did I lose my money with no chance to get it back? Can they legally do this.And as Mr XXXX said I will not be getting any money from them. What CAN I DO?
Consumer complaint received 2021-03-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

So, I opened an XXXX Credit card through XXXX XXXX. They make it to where you can't pay in person, only via their website or phone. There have been multiple occasions where I made the payment on time, but there was an issue with their servers or for some reason it wasn't processed. I don't have good cell service where I live, so I could only pay it via online. They charge all these " late fees '' because there were " technical issues '' on their side. My limit was {$200.00} and despite everything I paid including all the late fees, I owe {$600.00}. This was also settled but then the bank opened it back up and sold the collection. Portfolio will not send me the entire transaction history for this account. They send me a couple random dates? This has ruined my credit and made my life as a single mom very hard.
Consumer complaint received 2018-07-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TN)

This is a follow up to a closed complaint ( XXXX ). In summary, after months of no traction with the LoanCare, XXXX was able to get the lender to respond and issue a letter of acknowledgement that they had made errors in the collection of my payments. They sent a letter ( dated XX/XX/2017 ) stating that they had sent corrections to credit bureaus but those are not reflected and now I'm unable to get a loan for the home I have a contract to purchase on. The underwriter said they will accept the acknowledgement letter in my possession for a correction IF the company will re-issue it with a more current date, I'm having trouble getting through the anyone who can expedite this request so that I do not lose the home.
Consumer complaint received 2020-07-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Finance System of Richmond, Inc. (KY)

Mailed letter requesting what the debt is and to validate the debt is mine XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and can NOT get any response to any letter asking for information or delete the debt off of my credit report as I do not believe the debt is mine. If I can not get debt validation and verifiable information that the debt is mine, it needs to be removed from my credit report
Consumer complaint received 2015-07-23
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Rubin & Rothman, LLC (NY)

Rubin & Rothman have engaged in numerous unethical tactics and behavior that violates all State And Federal Collection practices. 

I recently had an identify theft breach in XXXX and was sent a FREE copy of my credit bureaus. I see that R & R have been running my credit on a monthly basis without my permission and in violation of my rights. 

They appear to have obtained a Judgment without ever serving me with any legal papers and without ever properly putting me on notice of the underlying lawsuit. They obtained a fraudulent default judgment on a debt I am certain I do not owe and now they are looking to collect it knowing that my time to open the default has ended. 

Now that I have discovered the issue I have learned that They have used tactics which violate my privacy by contacting friends and family members on their cell and house phones even after repeatedly being told that the number they were calling does not belong to me. Just last week they called XXXX XXXX ( name to be provided ) on a cell phone that is not mine and and inquired about my employment and said they were looking to collect a debt. She informed them that this was not my number. 

Other family members have alleged the same tactics. They have gathered and used improperly private information about me and about my friends and family members. Family members will attest to feeling harassed by these tactics. 

They have also disclosed to a third party that is not my employer that they have obtained a Judgment against me hurting any opportunity I have to do business with that company. They have also informed my neighbors about my debt completely causing me shame in my community.
Consumer complaint received 2021-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

IN XX/XX/XXXX I SIGNED UP FOR A GYM MEMBERSHIP WITH XXXX XXXX ( NOW CALLED XXXX XXXX XXXX I ATTEMPTED TO CANCEL THE MEMBERSHIP BUT I WAS TOLD IT WOULD NOT END UNTIL THE END OF A YEAR TERM AFTER XX/XX/XXXX THE GYM CONTINUED TO CHARGE ME THE MONTHLY FEE I HAVE CONTACTED AND GONE INTO THE GYM MULTIPLE TIMES TO REQUEST CANCELLATION BUT THE GYM CONTINUES TO DECLINE OR DISREGARD MY REQUEST IN XX/XX/XXXX I CONTACTED CHASE BANK AND PROVIDED THEM DETAILS OF THE ISSUE AND REQUESTED THEY STOP THE GYM FROM BEING ABLE TO CHARGE ME, UNFORTUNATELY NOTHING WAS DONE TO HELP MY SITUATION AT THIS TIME IN XX/XX/XXXX I CONTACTED CHASE AGAIN, AND THE REP ADVISED THAT I HAD TO PAY A {$30.00} FEE IN ORDER FOR THEM TO MOVE FORWARD WITH MY REQUEST OF STOPING WITHDRAWALS FROM MY ACCOUNT, I AGREED. 

NOW XX/XX/XXXX I RECEIVED AN ADDITIONAL 4 CHARGES FROM THE GYM I WOULD LIKE FOR CHASE TO REFUND ME THE ENTIRETY OF THE UNAUTHORIZED PAYMENTS, ESPECIALLY CONSIDERING THE FACT THAT THEY HAVE TAKEN {$30.00} TO FIX THE ERROR BUT INSTEAD CONTINUE TO LET UNAUTHORIZED CHARGES BE TAKEN FROM MY ACCOUNT THE TOTAL OF THE WITHDRAWALS MADE BY THE GYM FROM XX/XX/XXXX TO DATE IS {$350.00} I FIND IT COMPLETELY UNFAIR THAT THESE 2 COMPANIES ARE TAKING ADVANTAGE OF ME. WE ARE IN THE MIDDLE OF THE PANDEMIC AND THIS IS JUST MORE STRESS ADDED DURING A VERY DIFFICULT TIME. ESPECIALLY CHASE BANK SHOULD HAVE THE INTEREST OF THEIR CUSTOMERS PRIORITIZED, BUT INSTEAD THEY ARE ALLOWING XXXX  TO CONTINUE TAKING FROM MY ACCOUNT. THESE COMPANIES ARE GETTING RICHER BY CONTINUING TO STEAL FROM THE COMMON PEOPLE. 

I HAVE ATTACHED AN EMAIL RECEIVED FROM THE XXXX AS PROVE THAT I HAVE EXHAUSTED MY OPTIONS FOR HAVING THIS MATTER RESOLVED
Consumer complaint received 2020-07-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch (IN)

I reported in XXXX of XXXX  when I moved to the XXXX   XXXX XXXX  and reached out for services that the past due amount that they claimed said was due in the amount of XXXX was due to Identity theft. At that time the agent due to goverment shut down did not charge me a down payment and noted that identity theft in my account. 

XX/XX/XXXX I spoke with the Identity Theft representative named Mrs. XXXX due to my account was disconnected due to amount that resulted over identity theft. After faxing the paper work that was required for the process she returned my services and removed the amount that resolved in identity theft only later to add it back on. 
XX/XX/XXXX when my services was disconnected due to the identity theft that I was led to believe was removed i contacted the utility commission, customer services XX/XX/XXXX not only has myself but also the town trustee reached out to customer service and due to the women at the fraud department was not friendly nor helpful to the trustee, he denied to help me and advised me to seek legal counsel.

XX/XX/XXXX the XXXX XXXX president of Indiana and go know where and was forced to pay XXXX dollar re-connection fee, over XXXX dollar bill when my bill should of been XXXX and was forced in to a payment arrangement. 
XX/XX/XXXXEmailed the XXXX XXXX president of Indiana and ethics compliance officer and recieved a call from XXXX whom restored service and attempted me back into a payment arrangement and requested that I send a police report and claimed that is what they were awaiting on. Then I heard from the XXXX XXXX  president secretary stating they never received my paperwork and wanted me to resend all documents again. However, the original fax says it was accepted. 
On XXXX XXXX I sent an email to the president of XXXX XXXX and copies of all identity theft documents and requests for them to do an investigation over my account. 
I also later recognized that not only did they charge me twice for the identity theft from they added it to my account til the very end in XX/XX/XXXX And never removed the identity theft. 
They sold this account off knowing it was due to Identity theft, and charged me double for it