davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-08
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. (TX)

I called 15+ times, spent hours just asking them to give me my XXXX XXXX XXXX flyer account number that Chase assigned to me and where they transferred miles. They have no record, and no one was able to provide me the number. 

XXXX XXXX says they have no account with my name or no record of Chase sending my miles. 

For recent enquiries, they say now since they closed the account, they can not look up the account. My initial calls were while the account is still active. 

It is ridiculous for a financial company simply saying they transferred miles but can't tell which account they transferred or no trail. Do they accept if the customer says I made a payment, but I can not show trail or proof. 

I am attaching the scanned communication and relevant documentation and their latest unrelated response to my question here.
Consumer complaint received 2017-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I contacted equifax around XXXX-XXXX-2017about my inquiries and my name and updating my phone number and I told them that my inquiries all of them were not mines and I did n't applied for credit in the past and they did there investigation and my name is wrong to and they are unable to update my phone number and remove my inquiries and did n't update my name or my number
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-04-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

I received a notice of account listed for collection on XX/XX/XXXX. I responded with a letter disputing the validity of the debt ( of which I have a copy ) on XX/XX/XXXX. I never received a response from the company, any additional contact or any proof of debt, but yesterday they filed a derogatory report on my credit report. Their failure to provide proof of debt, despite my formal request and then taking adverse actions against me is a violation of the FDPCA.
Consumer complaint received 2020-11-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MORGAN STANLEY & CO. LLC (NY)

Many, many contacts with Morgan Stanley. Finally spoke with a XXXX XXXX from the servicer XXXX who admitted they made mistake in offering options during covid. Offered to send check for 4 months which was accepted. Now statement received for XXXX and they have added these payments to the balance which is now $ XXXX. I am afraid this was a rouse to XXXX us out of fees. Please help. Ms. XXXX barely responds to me. This company has acted in a vile manner. Can't imagine why they would offer to send a check and now place us in default.
Consumer complaint received 2017-09-15
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Quality Loan Service Corporation (CA)

I cancel all further actions as this so called loan XXXX XXXX was not, and was XXXX XXXX -Securities to the Bear and I am the Creditor and Investor. 
XXXX XXXX Rescission - A SECURITY IS NOT A NEGOTIABLE INSTRUMENT - ENTITLING ME TO RECOUPMENT OF ADVERSE CLAIM, HOWEVER ALL OF THIS IS NULL AND VOID PER FORGERY ON THE INSTRUMENT IN MY GOOD NAME. YOU ARE A THREAT AND SHALL NOT SELL MY PROPERTY LAND OR ANY OF MY POSSESSIONS NOR ANYONE ELSE IN LESS YOU CAN SHOW YOU HAVE THE CORRECT TITLE IN YOUR NAME. IF THERE IS A FRAUD SALE THAT WILL TAKE PLACE ONLINE OR ANYWHERE ELSE WILL BE A CRIMINAL ACTION AGAINST ANYONE SELLING, TRANSFERRING, RECEIVING MONEY, CASHIERS CHECK OR OTHER MEANS OF PAYMENT INCLUDING ALL OF THE PUBLIC OR PRIVATE COMPANY 'S CEOS AND STAFF RUNNING THIS SCAM ON THE INTERNET WIRE AND MAIL FRAUD AND SHERIFF AND POLICE OR HIRED MERCENARIES PAID OFF TAKING A BRIBE AIDING AND ABETTING TO THE CRIMES AGAINST ME OR ANYTHING OR ANYONE ASSOCIATED. YOU HAVE BEEN WARNED! I FIRED THE SHERRIF AN POLICE DEPT THIS WEEK AND THEY WERE SERVED. ALL AGENCIES HAVE BEEN WARNED AND SERVED PER REGISTERED MAIL WITH WARRANTS AND THE DEFAULTED BILL THAT YOU NOW OWE AND MORE ... WRIT OF POSSESSION IS IN ANOTHER PROCESS ATTACHED WITH A BILL AND LEVY AGAINST ANY ONE OR IN THE COMPANIES PERPETRATED AGAINST ME ETC. INCLUDING ALL BAR MEMBERS OR OTHERWISE. MY TITLES IS OF THE HIGHEST ON THE LAND IF NOT THE WORLD. YOU SHALL SEE. CROWN .... TITLE THERE IS NO XXXX XXXX XXXX THEY WENT OUT OF BUSINESS IN 2007- AND I HAVE NO CONTRACT WITH THEIR PARENT COMPANY. PERIOD XXXX XXXX  XXXX THERE ARE ARREST WARRANTS FOR 42 OF YOU ALL AND DEBT LEVY.
Consumer complaint received 2021-07-04
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. (GA)

The following accounts are being disputed due to the fact that they are unauthorized and unknown by me. Therefore, I'm requesting a Method of Verification from the credit reporting agencies., and/ or remove these unauthorized accounts immediately. 

1. US Dept EDU 2. XXXX XXXX 3. XXXX 4. XXXX
Consumer complaint received 2021-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (MI)

XXXX {$500.00} $ I did dispute from last year these charges theyre sprite transactions but the same merchant and they did not accept to refund me the amount And theyre from XXXX XXXX, because i cancel the service thats why and thank you
Consumer complaint received 2021-04-02
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. (NJ)

I have contacted XXXX XXXX Several most recent XX/XX/XXXX she opened the new account. XXXX and have attached the documents. I was a victim of fraud and this account was impacted they notified me they stopped the charges. yet never flagged my account correctly on my report. Did report it as a charge off. Then when I contacted them again and tried to resolved again they reported the charge off account as derogatory on my credit that they weren't reporting too. They have made major violations and caused me further harm. 
I have been trying to heal from the personal Identity theft that has occurred and even offered to pay them something to have them clear my credit report due to the nature and crime they refuse. On top of that in in XX/XX/XXXX I tried again this ie when they changed my last Date of Activity on my part was XX/XX/XXXX Because I recall being I was hospitalized XX/XX/XXXX from these events.
Consumer complaint received 2021-07-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Amscot Corporation (FL)

Good afternoon, Recently, I applied for a loan, and I was denied. I inquired as to why this happened, and I was told I have an outstanding XXXX XXXX with Amscot. I have not taken out a cash advance with amscot in well over XXXX years. It is effecting my credit, and it is preventing me from getting loans and credit cards anywhere. Can you please assist me in correcting this issue? 

Thanks, XXXX XXXX
Consumer complaint received 2022-08-12
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. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX  XXXX
Consumer complaint received 2021-09-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (AL)

Carrington is saying that I'm {$2500.00} past due. I know this isn't true I have been under bankruptcy protection for 51 months and I have never missed a payment. From reading the complaints on their XXXX  record other homeowners say keep your payment receipts and bank statements. I have done all that since Carrington took over my home lown. My payment has changed to {$560.00} and I just paid that and they are showing that payment on my mortgage statement. I keep all mortgage statements and bank statements so they can't say I'm not paying my payment. I am worried when my bankruptcy ends they will try to foreclose on my own even though I am making my payments. I was making my payments with XXXX  XXXX XXXX had my loan but they weren't applying the payments because they wanted to wrongfully foreclose on my own and were in the process of foreclosing on my home even though I was making my payments. Which Is why I had to file bankruptcy to save my home.
Consumer complaint received 2021-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

I have contacted XXXX XXXX Several most recent XX/XX/XXXX she opened the new account. XXXX and have attached the documents. I was a victim of fraud and this account was impacted they notified me they stopped the charges. yet never flagged my account correctly on my report. Did report it as a charge off. Then when I contacted them again and tried to resolved again they reported the charge off account as derogatory on my credit that they weren't reporting too. They have made major violations and caused me further harm. 
I have been trying to heal from the personal Identity theft that has occurred and even offered to pay them something to have them clear my credit report due to the nature and crime they refuse. On top of that in in XX/XX/XXXX I tried again this ie when they changed my last Date of Activity on my part was XX/XX/XXXX Because I recall being I was hospitalized XX/XX/XXXX from these events.
Consumer complaint received 2021-04-02
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: Santander Consumer USA Holdings Inc. (TN)

I never gave Santander Consumer USA Authorization to put anything on my report. They reported to XXXX and XXXX. 15 US Code 1681 2 Exclusions ( B ) any authorization or approval of a specific extension of credit direct or indirectly by the issuer or a credit card or similar device. 15 US Code 1602 ( L ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

15 U.S Code 1681 Accuracy and Fairness of Credit Reporting : ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect of the consumers right to Privacy.

I have told santander to stop contacting me and they continued to contact me. Santander is also involved in a Car Loan Class Action Lawsuit. This is involved with litigation. I demand the accounts be removed from my report.
Consumer complaint received 2017-09-15
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. (TN)

I paid my balance on my XXXX XXXX credit card under the agreement that they would both close the account under my name and remove it from my credit report. They agreed to do so when they received the final payment on XX/XX/2016. I left the matter alone and was notified with my credit report later that the account had not been removed as promised. I 've disputed the claim with transunion and XXXX 4-5 times with each company. Each time the dispute comes back as 'verified as accurate '. This was not the agreement I had made when completing my payments and my credit reports need to reflect that accurately.
Consumer complaint received 2021-09-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (VA)

I was trying to buy a puppy and used zelle to send the money to the person Zelle got the money by bank confirmed it. I later found out the whole thing was a scam but my bank XXXX XXXX said they couldnt do anything because zelle has the money so I called zelle so that I can cancel and get my money back but they said the scammer already has the money and theres nothing they could do.
Consumer complaint received 2021-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: The CMI Group, Inc. (AL)

Ive asked for verification of the account. Ive asked for an actual bill showing that I owe this. I asked for the exact date. Ive never been sent anything showing me that this is my account. The amount listed on my credit report is {$1400.00} and it said collection was opened in XX/XX/2017. Ive disputed this with the credit agency but it didnt do any good.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-11
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. (OH)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

My account was put on hold on XX/XX/XXXX. I called every day asking to speak to someone on why theres a hold on my account no one speaks to me. I was given a number for an investigator of bank of America XXXX XXXX. I called him left numerous voicemails and he never returned any of my calls. I have bills that have been due for the past two weeks that are accumulating interest day by day. Everytime I call everyone Ive spoken to says they cant do anything and I am transferred to another line where Im supposed to speak with someone and every time I get transferred Im always on hold for hours without speaking to anyone this has been happening for the past two weeks and Ive called back many times to tell them about my problem but its still the same thing over and over. Me calling customer service, after that Im transferred to another line where Im hold for hours with nobody to speak to. I went to a nearest branch and still the banker I spoke told me the same thing. Prior to my account being on hold I was never contacted or told why my account was on hold or was never told the reason an hold will be on my account
Consumer complaint received 2017-09-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC. (VA)

Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint regarding the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). 

The lender was provided all docs needed for the loan mod review to be completed and are refusing to complete the review - the lender has also not allowed the time needed to appeal any decision of the review that is required by REG X
Consumer complaint received 2018-01-01
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)

I asked that the credit reporting bearu verify the errors reported on my credit report and send me the results with all original documents supporting their findings per section 609 of the FCRA, I havent received any documentation and still theyre reporting numerous thats causing hardship in obtaining housing, credit, and employment.
Consumer complaint received 2023-01-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I have a checking account with Capital One online bank. I deposited a check for {$5000.00} on XX/XX/XXXX. The check was a XXXX gift from my father. Afterwards, my online account was frozen. I resolve this issue with the bank and was able to access my online account on XX/XX/XXXX. After which, I received a message that I need to call the bank about the status of my checking account and that funds were unavailable. They provided a number to call, which direct me to an answering machine. Ive left my number with them several times, but have not received a callback about the status of my account. On XX/XX/XXXX, I visited a Capital One XXXX in XXXX. A representative at the XXXX was able to put me in touch with someone from the bank via phone. The person told me my account had been closed and my money would be re-distributed at some point in the future. They did not tell me why my account was closed nor did they tell me when my money would be sent to me. I asked if they could call me back. They said they would contact me with more explanation but they have not done so. I have called them twice since Ive visited the XXXX, but Im redirected to the answering machine I was before. My money appears to be in the account when I look online, but Im not sure when it will be returned to me and have received no communication from the bank. This is deeply frustrating because my money is affectively being held hostage while I wait for the bank to send me a check.
Consumer complaint received 2019-11-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates (FL)

A debt was posted by XXXX XXXX XXXXXXXX XXXX also known as Mitchell D. Bluhm & Associates , LLC. This collection was posted on my credit score in XXXX for a bill that had been previously dropped by another creditor almost 5 years ago. This collection agency placed a brand new remark on my credit score without notifying me previously via any written communication. I had no idea the debt was still owed or my course of actions that needed to be taken to resolve the matter, no mail or email was sent or received by me which included this information along with the information about possibly disputing the debt itself.
Consumer complaint received 2021-07-04
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

On Saturday XXXX XXXX at XXXX XXXX a Check was A check was deposited for {$2800.00} a receipt came out and said please contact your financial institution from the ATM machine in XXXX NY without any further explanation from Citizens Bank nor any other employees the check is missing and not credited properly to the account. 


On XXXX XXXX : Then on XX/XX/2021, all of our utilities were do water bill electric bill Wi-Fi bill which is cable roughly $ XXXXWe pay all of are utilities in one package and now they are all late! {$75.00} late payment fee! 

so far, it's XX/XX/2021 and the check is still not in the account we've been getting the runaround several phone calls have you even talked to the manager at the bank at XXXX Citizens Bank which is located just South of XXXX NY absolutely nobody 's done the darn thing! 
My company name is XXXX XXXX XXXX edit My Profile Last logged in on XX/XX/2021 at XXXX XXXX 

Made another Phone call on XXXX XXXX and they said sorry we can not do a thong! 
statements Unavailable Please be aware we are currently experiencing technical difficulties with eStatements. Technology teams are working to recover services as quick as possible. We apologize for any inconvenience this may cause.
Consumer complaint received 2020-11-28
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. (PA)

I want these items removed i sent a attached a police report XX/XX/XXXX for identity theft this inquires still remain its stopping me from obtaining employment the head of the household please remove inaccurate info Inquiry details XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  XXXX Inquiry from XX/XX/XXXX + Personal Services ( Non-Medical ) XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel