davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

Amount : XXXX USD Payment ID : XXXX Description : Credit balance refund Reason for Refund : Credit balance refund Refund From : Chase Card Services This is the result of an ongoing CFPB case. 
This was the result of null and voiding a check sent to an address i can not access. They are trying again because this email that is meant to confirm the ACH deposit, or else a check will be sent is requiring me to make a new account. The email sent is the second attempt according to chase, and it arrived finally at XXXX this morning. This was the first as far as im concerned. The account creation is the new problem. No matter how i refine my desired password, the system wont accept it, and i can not move to the next step toward collecting my negative balance. Please punish chase ... this is upsetting, and now taking over a month, even with your help.
Consumer complaint received 2020-06-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NC)

On XX/XX/XXXX I used MoneyGrams online transfer services to transfer money from my XXXX XXXX account to my regular checking account via my debit card the service state quick secure transfers to this date today XX/XX/XXXX my money is in transit. I have contacted both MoneyGram and my bank the amount I was transferring was XXXX dollars which I found out from my banks cards services department on XX/XX/XXXX that the have a limit on the amount I can transfer onto my debit card which is XXXX my bank has been amazing they raised my limit to XXXX for the money transfer to happen of course MoneyGram is stating that its moved up to their upper management level to be investigated as to why my transfer failed. I have contacted them ever day to get an update on my money if I found out myself what occurred why it failed then it should not take MoneyGram to find out what occurred but each time I speak to them they tell me it could take up to 120 days to return my money to me. Back in XXXX my checking account had been compromised and had to be closed immediately so I had all my money put on a XXXX XXXX  card until my new account was opened and safe, so now my money is stuck in moneygrams system and with everything going on money is tight and this was the last thing my family needed to happen. I hoe you can find out more then I can and hopefully everyone who reads this will read the fine print encoded with MoneyGram services Thank you and good luckb
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NM)

Equifax ; XXXX and XXXX should not be reporting a collection/chargeoff in the amount of {$1300.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full XX/XX/2020. I have attached a copy of the transaction receipt. This account needs to report a {$0.00} balance and not reporting as a collection/chargeoff. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to fix this however, I have not been successful.
Consumer complaint received 2020-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX I sent out debt validation letters to XXXX, TRANSUNION, XXXX XXXX and XXXX  requesting validation on a reported bankruptcy on my credit report. I received a follow up letter stating the bankruptcy was verified, in return I followed up with a second letter requesting documents/proof used to validate the bankruptcy. The credit bureaus never responded to my second letter. However, I have submitted proof that they have violated the FAIR CREDIT REPORT ACT. XXXX, TransUnion and XXXX  uses XXXX XXXX to obtain information pertaining to public records, but the Bankruptcy Courts do not provide information to resort reporting agencies and my XXXX XXXX file has been frozen since XX/XX/XXXX.
Consumer complaint received 2020-04-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (GA)

Suntrust processed an ACH debit on our acct in error. The Suntrust representative confirmed our account name was not on the ACH transaction and connected me to account security to file a claim. Fast forward one day, Suntrust ( Truist ) has now closed two of our personal accounts and a business account. They gave no reason and said we don't have access to our funds for 15 days while the acct is under review. We have near perfect credit, never bounced a check and run a standard bank account. There should be no reason to close our accounts and hold our money. We have bills that are due and can't pay them now because we have no money. They also will not allow any debits or pending checks to be processed which means these pending payments will be returned. We are very concerned the returned checks will affect our credit as we have always paid on time. We are shocked at the way this is being handled especially during these difficult times. Any help would be greatly appreciated.
Consumer complaint received 2021-03-04
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)

I recently checked my Credit Score and noticed it was a lot lower than I thought, upon reviewing my Credit Report, I noticed there were items reporting to my Credit that I did not open myself and that there was incorrect information reporting as mine. I sent in proof of my identity, I have made calls, I even filed a report for identity theft. The items still haven't been removed.
Consumer complaint received 2018-07-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVA Holdings, LLC (GA)

I am currently paying on a loan from XXXX XXXX XXXX. I had unexpected expense. I reached out to them for a loan to pay some bills. I did use them in the past and paid off under flex pay which loan amount was divided up in a few payments and paid off the loan. Since the time I have gotten the loan I have been struggling to pay it off due to enormous interest rate and the length of the loan. Loan amount {$600.00} interest rate 529.28 % which is illegal in Georgia ( GA ) total payoff if goes full 20 payments a {$2600.00}. This loan started XX/XX/XXXX according to my bank records, I was paying {$130.00} Simi annual. I didn't realized I pay them 8 payments 2 a month to date {$1000.00} $ for a {$600.00} which I over paid them {$460.00} I would like back the difference I over paid XXXX XXXX XXXX, and I would like paid in full as agreed. The other day I called and requested a copy of my contract they give me information on the loan. However, I didn't see my signature on the contract. I spoke to a women that work for XXXX XXXX XXXX and I was shock to see that I over paid them over XXXX dollars. I asked her that I should have been on there flex pay which in the past my payments was broken out for short time and it was paid back. She told me that they were not doing it anymore. I never received any information about it. I asked her to send me copy of the XXXXXXXX XXXX policy change. she said she would send it. I never received it just email copy of contract with the money stated that I browed. " In the state of Georgia payday lending is prohibited. In fact, there is a ban on payday lenders restricting their operation in the territory of the state according to the Industrial loan act ( Ga. Code Ann . 7-3-14. Ga. Comp. R. & Regs. r. 80 3-1.02 ( 7 ) and O. C.G.A. Section 16-17-1 et seq. ).  Payday loans go under a title of small loans, generally ; the minimal amount is { {$3000.00} }, according to the 16-17-2 of the Georgia Code. Certain businesses and companies have a legal right to give such loans but in terms that all their operations are regulated by the Credit Card and Credit Card Banking Act. All the lenders wishing to operate in the state should adhere to 16 % small loan rate cap APR ( and 10 % per year discounted plus fees ) as well as 60 % per year criminal usury cap. The Georgia Industrial Loan Act of 1955 essentially made payday lending illegal by requiring state licensing and registration and by imposing strict usury limits on small loans. In XXXX, the Georgia General Assembly increased the fines and criminal penalties for people making small loans at illegal rates of interest. The law went into effect in XX/XX/XXXX XXXX, and has survived challenges in federal court. Referred to as the Payday Lending Act of XXXX, this law authorizes misdemeanor charges against violators, as well as fines of up to { {$5000.00} } per violation and a possible jail sentence of 1 year ''
Consumer complaint received 2023-01-28
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: Experian Information Solutions Inc. (VA)

Experian is reporting inaccuracies on my credit report regarding a fraudulent address ( XXXX XXXX XXXX, XXXX, Va ) and a fraudulent XXXX XXXX account number : XXXX. Experian has failed to delete these inaccuracies. I have proof from XXXX that this a fraudulent account.
Consumer complaint received 2020-09-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Accounts & Advisers, Inc. (MN)

This company is reporting an account on my credit report with incomplete information. I had to contact the bureaus to find out who was reporting it since there was no creditor name or payment details. I then contacted American Accounts Advisors to have the validate this account and they have yet to respond. By law they're supposed to update the account as " disputed by consumer '' on my credit report which they have not done either.
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Sebrite Financial Corporation (NC)

I contacted companies to remove inquiries with no response back I disputed on report. I also had a identical theft on my credit. I have since tried to repair. I have asked for documentation as to these inquiries.
Consumer complaint received 2020-09-14
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/2019, we closed on the sale of our property. XXXX XXXX XXXX XXXX received the pay off documents from 5/3rd Bank and proceeded with the closing on the sale of the house based on the closing packet 5/3rd Bank provided. XXXX XXXX XXXX XXXX wire transferred the funds requested for the payoff of the property. 5/3rd Bank has stated the mortgage is satisfied, but my husband and I have received numerous letters from HUD stating they are still owed money. XXXX XXXX XXXX XXXX has been very helpful on trying to get 5/3rd Bank to pay HUD as the funds were included in the payoff to 5/3rd Bank ( as directed in the payoff information provided by 5/3rd Bank ). 5/3rd Bank will not provide us with any information. The branch XXXX has been informed to tell us to call HUD and be done with trying to help us get this resolved. We have asked 5/3rd Bank for all of our records on the mortgage, but they refuse to provide them to us. At this point, it has been almost a year after we closed on the property and continue to go in a circle with trying to get this resolved. HUD has sent the loan to the creditors ( there are three credit hits for this one loan ) and also have sent letters to have my income garnished. Since the HUD loan was never sent the payoff funds, it has also accrued fees. We have done everything asked correctly to have the closing of the sale of this property successful. This is cause a major headache for my family financially and emotionally.
Consumer complaint received 2020-09-14
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. (FL)

I do NOT owe anything on this XXXX XXXX  account and it still is listed that I do hurting my credit scores. This information needs to be resolved ASAP. 

XXXX/XXXX  XXXX
Consumer complaint received 2021-03-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (WI)

Hunter Warfield Inc. Has been trying to collect a debt from me for almost a year now in the amount of {$430.00}. This claim has already been disputed through XXXX  and XXXX and determined to be fraudulent and inaccurate. It has been removed from my credit report however I still get calls from this company everyday and now they are emailing me claiming I gave permission to communicate via email which is false.
Consumer complaint received 2020-09-14
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE SOLUTIONS OF COLORADO (FL)

In XXXX, I noticed that a payment was made from my escrow account to my flood insurance company. However, I had previously paid the premium since it was due while we were still going through the refinance process and I was concerned it could/would get lost in the bureaucracy and my insurance would lapse ( I live on the water in Florida so one can imagine how important it is to maintain flood and hurricane insurance ). I contacted the mortgage company and after some investigation they determined that On XXXX XX/XX/2020, they did in fact receive a return as overpayment the {$2500.00} and it was being processed. 
Move forward to my XXXX statement and no return of the funds to my escrow account. When I explained the situation, customer care sent me to the insurance side of the company since it dealt with insurance. Insurance said they can not see my account at the level needed and said I needed to speak to customer care. I informed them that it was customer care who sent me to insurance. The representative said not to mention the insurance aspect when discussing the escrow refund. Customer care ultimately sent me back to insurance. Tried as I XXXX, I just could not get my point across without giving the story some context that it dealt with an insurance payment. So, after two hours of discussion between the two offices, the line was severed or ... 
I have since sent two e-mails to them and received no response. I really do not know if this rises to level of a complaint but I am at my wits end concerning what I have available to get relief- other than some civil action requiring a lawyer and likely to cost more than my r efund. Bottom Line - my escrow is shy {$2500.00} And it appears my mortgage company - Mortgage Solutions Financial refuses to or is incapable of refunding the returned amount.
Consumer complaint received 2022-04-05
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. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please DELETE the accounts in my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2022-04-05
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: EQUIFAX, INC. (NJ)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Consumer complaint received 2020-01-27
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)

I have disputed this collection account multiple times thru mail disputes as well as online disputes with no success to have this account removed or deleted from my report with XXXX  and equifax.
Consumer complaint received 2021-03-04
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. (FL)

Good morning, I recently pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I did some research and come to find out, they are indeed 100 % unauthorized. On XX/XX/XXXX, I contacted the 3 credit bureaus regarding these accounts and they were no help at all. This is very frustrating because I keep on calling and calling and still nothing. I feel like I am getting the run-around. I have also called these companies where the fraud happen and they could not verify my information. I immediately contact the FTC and explained what happen. I have attached the FTC report below along with my driver 's license.
Consumer complaint received 2017-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have contacted Bank of America and made them aware that they opened an XXXX XXXX credit card in my name fraudulently, but they have done nothing about it. I have sent them a fraud package and they have ignored it. They continue to threaten me that if I do n't pay the balance on the account that they allowed to be opened in my name fraudulently that they would ruin my credit and send the account to a collector. I was the victim of identity theft and accounts were opened in my name using my correct personal information that was obtained as a result of the identity theft. When I have told this to the representatives at Bank of America they have told me that they did not care and that I was still required the fraudulent account. They are violating my rights, defaming my character and harassing me relentlessly. I did not open this or any other account with Bank of America, but they continue to verbally abuse me and threaten me.
I have also disputed this with XXXX and the representative that I spoke to at XXXX cussed me out and called me a liar and told me that I was a XXXX XXXX XXXX XXXX I am tired of all of this abuse and defamation of my character and I want this stopped immediately, both of these companies are acting like vigilantes about a credit card they allowed to be opened fraudulently Partial Account Number XXXXXXXX
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

This complaint is directed against XXXX companies listed below, - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Equifax - XXXX Both of my credit reports with XXXX and Equifax currently include a personal loan with XXXX. In both cases, the last update was received in XX/XX/XXXX. The account shows in both cases as paid on time and open. This is incorrect in XXXX ways. Firstly, payments were made on time in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX has not reported those payments to any credit bureau as of XX/XX/XXXX. Secondly, on XX/XX/XXXX, XXXX sent me an email detailing that servicing would be transferred to XXXX XXXX on XX/XX/XXXX. This email is attached. 

In XX/XX/XXXX, I began making payments to XXXX XXXX and that company has correctly reported those payments XXXX and Equifax ( not XXXX ). As a result, my Equifax report incorrectly shows me as having an open personal loan with XXXX and an open personal loan with XXXX XXXX. My XXXX report shows me as having an open loan with XXXX. 

In XX/XX/XXXX, I opened disputes with both XXXX and Equifax, detailing the above information. Both companies claimed to have conducted investigations and both found that my dispute was not merited. They both certified that my credit reports are accurate and that XXXX had verified that the information is correct. This is simply not true and contradicts the email that XXXX sent me in XX/XX/XXXX. 

It is the case that either XXXX has not provided a truthful response to XXXX and Equifax and/or that both of these credit bureaus did not conduct a bona fide investigation. In particular, how could either of these XXXX credit bureaus be satisfied that the information is accurate? If indeed my account with XXXX is open and paid on time, how could it concurrently be the case that no payments have been reported since XX/XX/XXXX? This is contradictory and suggests that Equifax and XXXX did not perform a good-faith investigation.