davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: JPMORGAN CHASE & CO. (CA)

I opened a prepaid accou t with chase on or around theXX/XX/2018. And deposited approx {$1000.00} of my pay check. I made two transactions and the account was frozen by the bank almost immediately after I responded to a fraud warning when I was trying to use it that same evening. Since that moment Chase employees have lied to me at every turn. Clearley not mistakes willful and spite filled lies about the amount location and projected payment date of the few hundered dollar balance. Today alone the status of the account I was told on Monday would be closed Wednsday was said to closed then I was told open and suspemded before they settled on it being closed and the check procceced as reason that I could not come to a branch and simply withdraw the funds. I have been told the entire time this was not possable but today apperently it is. I don't trust banks clearly and know full well they serve no legitimate function but still feel their unique status and the public allowances granted them to circumvent trust laws and sound bussiness practices complells them to some degree of honestly. Or at least have some law that prevents attempts to insight violence with hired thug security or telling abject lies to the faces of their customers. How long must I wait before I can charge late fees and interest compounded as they do us? Or is this a totally one sided government forces exploitation bank XXXX XXXX XXXX
Consumer complaint received 2021-09-10
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: Santander Consumer USA Holdings Inc. (OH)

On XX/XX/XXXX, I called Capital Chrysler to ask if Capital Chrysler has received my pay off amount for my car loan. The gentleman indicated that I had a refund due back to me for overpayment of {$390.00}. The gentleman indicated that I needed to send a picture of my social security card in an email to help XXXX to receive the refund. He indicated that if I didn't send the email, I would receive my refund check the first week of XXXX. Then I called Capital Chrysler on XX/XX/2021 asking for the status of my refund check. The gentleman indicated that a check was sent on XX/XX/2021. Then I asked to speak to the manager because of the conflicting stories. So then I spoke with gentleman, badge # XXXX who indicated that a check was mailed out on XX/XX/2021 so this is another conflicting date as to when the check was sent. I would like this to be resolved so that I can receive my refund of {$390.00}. 

Thank you
Consumer complaint received 2018-06-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (AZ)

I receive over 5 calls a day from various numbers that all go back to XXXX XXXX. They are now starting to call my place of employment multiple times a day. They have been asked to not call. They continue to call. When people to speak on the phone they are harassing and rude and scare me.
Consumer complaint received 2022-10-05
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of Equifax to retain disregard a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account saying that the information they gave is precise, with which I seriously disagree. I am submitting this complaint to you today to request that Equifax run me copies of documents bearing my signature to prove the status of the disputed account. If they are unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected XXXX : XXXX XXXX  XXXX XXXX
Consumer complaint received 2017-10-02
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. (VA)

I submitted an investigation dispute with Equifax on XXXX/XXXX/XXXX and as of today XXXX XXXX, XXXX the dispute is listed as pending. They have date of completion listed for XXXX/XXXX/XXXX. They have passed the 30 investigation limit.
Consumer complaint received 2020-06-23
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)

I pulled my credit report to find a XXXX account reporting that I never had. I contacted all 3 bureaus who's reporting this information, and i contacted verizon themselves. All 4 entities advised me that this account has been verified as accurate. The part that bothers me is that the account was opened in XX/XX/XXXX in which at that I was only XXXX years old as I am only XXXX right now. My birthdate is XX/XX/XXXX so there is no way possible I opened a XXXX Account at XXXX years old.. Is that even legal? 

There were also some other inaccuracies I noticed ... Can you please help me with this? ( Screenshot attached )
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2018-06-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vengroff Williams, Inc (NH)

A prepaid car rental reservation totalling XXXX  euros was made on XX/XX/XXXX via the Merchant 's website, XXXX. After the rental period, which was from XX/XX/XXXX -XX/XX/XXXX, a refund of XXXX euros was due as the total rental charges were only XXXX euros. At the time of the vehicle 's return, rental agents informed me that they were unauthorized to issue the refund being that it was a prepaid rental, therefore, a dispute/investigation was launched via XXXX XXXX ( the method of prepayment ) to obtain said refund. After four ( 4 ) disputes, XXXX XXXX  resolved the issue in my favor, as the Merchant purposely submitted erroneous invoices for the aforementioned disputes and was unable to substantiate its claims. Instead of issuing the refund of XXXX euros, the Merchant referred the matter to their internal collections department for non-payment and have engaged in a harassing dunning campaign for non-payment of a fictitious " debt '' by sending collections letters dated XX/XX/XXXX and XX/XX/XXXX The Merchant has been contacted on numerous occasions via email and telephone and has engaged in ghosting and does not respond to email or telephone inquiries. On XX/XX/XXXX, case # XXXX was opened up by the Merchant to internally investigate the matter, however the Merchant has failed to provide any outcome or resolution to said case and has failed to respond to numerous follow-up email inquiries. The most recent contact with the Merchant was via telephone ( XXXX ) XXXX onXX/XX/XXXX at XXXX in response to their latest collections letter dated XX/XX/XXXX.  After six ( 6 ) minutes with representative " XXXX '' during which the entire situation was explained, the representative put the call on hold and then hung up on the call. Three ( 3 ) callback attempts were made to reach the representative again. The expectation is that the Merchant immediately cease and desist this fraudulent dunning campaign. Failure to cease and desist will result in further legal action being taken against the Company ( XXXX XXXX XXXX ) and/or its representatives. On XX/XX/XXXX, the Merchant informed me that the falsified " debt '' had been removed from the account and that the account balance was XXXX and reinstated rental priviledges, however, the Merchant had already contacted third party collection agency, Vengroff Williams ( www.vwinc.com ) to pursue collection activities. Merchant stated they informed Vengroff Williams that the " debt '' was invalid and cleared, but has not provided documentation supporting this claim.

This complaint has also been filed with the Federal Trade Commission on XX/XX/XXXX, Case XXXX / XXXX XXXX XXXX / XXXX  Internal Investigation Case # XXXX
Consumer complaint received 2017-10-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. ()

I have made repeated efforts to speak to coinbase about the fact that they wo n't let me withdraw funds. I have been waiting nearly 3 months for a solution for this and they wo n't return any of my messages or emails. I have done everything that all their forums suggest, yet I still ca n't access my money.
Consumer complaint received 2021-09-10
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: ENCORE CAPITAL GROUP INC. (NY)

There are 2 fraud accounts on my credit. The first account is Midland Credit and the second account is XXXX XXXX XXXX. I didnt open either of those accounts and I am requesting these accounts to be removed from my credit. Upon contacting Midland, they have some one else information linked to my name and social. 
In reference to XXXX XXXX XXXX, they informed me that someone opened an internet account in my name. 
I am not responsible for these accounts.
Consumer complaint received 2020-06-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated (GA)

Did not receive Way2Go Debit card. Need information to get a replacement card. Company automated service is not allowing the completion of process to request a new card. When placed on hold the call is dropped.
Consumer complaint received 2021-07-10
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. (GA)

Attached Screenshot proves XXXX reported to XXXX {$0.00} balance due but they will not update my credit score, I need to help family get loan for medical, Please ask them to update my credit score
Consumer complaint received 2018-02-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NJ)

My FHA loan was previously owned/serviced by XXXX, and has been sold to LoanCare. I am a XXXX years old, XXXX, female that has applied for a loan modification with XXXX ( of which I am quite concerned there may be unauthorized default rates and charges ), which did not transfer over, I then had to re-apply again for a loan modification with LoanCare. I have diligently supplied all my financial documentation along with all of my daughter 's ( non-borrower contributor ) financial information, however LoanCare has denied my modification application with no explanation, figures or breakdown. I believe they are deceptive, and cut many corners. I have attached their response to my application, where there is no reason stated for my denial. How do I know they have calculated our income and expenses property. I have an FHA loan, there are certain guidelines they must follow, ( which I have researched extensively ) there is no way to see if they have accurately processed the application, because they did not supply a figure breakdown. This is outrageous, I have owned this property since 2001 and am a senior citizen XXXX female. I do not  want to lose my home. I have done the calculations and I DO qualify. LoanCare has failed to provide accurate calculation of ineligibility. I believe they are acting in BAD FAITH and have IMPROPERLY denied my application for a loan modification.
Consumer complaint received 2017-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello, I am sorry I had to come to this point, but I have been disputing inquiries with XXXX for some time now from companies that I never authorized to use my information. What is killing me now is their website is telling me that my information was compromised in their data breach and I 'm devastated because I have been telling them forever that there is a bunch of inquiries that I did not authorize anyone to do. A few months ago I had got a email notification from a monitoring service that I use that someone has logged in my account which was not myself or my wife because we were together. I hurried up and change the passwords to all of our accounts immediately. It 's so scary not knowing who has my info and is using my info to try to get themselves a car and cell phones and I guess what seems to be a new mortgage. 
*XXXX XXXX Inquiry from XX/XX/XXXX *XXXX Inquiry from XX/XX/XXXX *XXXX XXXX Inquiry from XX/XX/XXXX *XXXX Inquiry from XX/XX/XXXX *XXXX XXXX Inquiry from XX/XX/XXXX*XXXX XXXX Inquiry from XX/XX/XXXX *XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX *VXXXX XXXX Inquiry from XX/XX/XXXX *XXXX XXXX XXXX XXXX XXXX 
Inquiry from XX/XX/XXXX TRANSUNION- Removed all but one of the inquiries that I did not authorize.
*XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2018-06-07
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. (VA)

On several occassions, I have disputed a XXXX XXXX XXXX  / XXXX XXXX XXXX   account that was paid in full to the creditor on XX/XX/2018. I have sent the documentation that I received from XXXX  to Equifax and XXXX that the credit card was paid off and was reflecting a XXXX balance. The dispute continues to come back verified and the account still remains with a balance on my two credit report. I have contacted XXXX and they advised I contact the two credit bureaus ( Equifax and XXXX ) and have them call XXXX  with my authorization to verify the status and balance of the XXXX account. I have called Equifax and they refuse to call XXXX  and have let me know it is not a policy of theirs to do so. I am beyond frustrated and hate going around in circles. I am trying to obtain an updated credit report so that I may apply for a mortgage and this is preventing me from doing so.
Consumer complaint received 2018-06-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

My tax refund was deposited into someone else 's account, I contacted the IRS they said if the account does not have my name on it the bank is supposed to return the deposit however that was not done. IRS said the bank will need to return the deposit. Chase bank stated that my name is on the deposit however they can not return the deposit because it went into an open and active checking account. It has now been two months, Chase still says there is nothing they can do. The IRS stated they submitted a reclamation however Chase has not returned the funds. I've had a few NSF charges due to my missing deposit but Chase will not assist in any form or manner.
Consumer complaint received 2016-04-27
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (IN)

I was offered a HAMP T2 modification XX/XX/XXXX. My trial payements due XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX in the amount of {$210.00} with interest rate of 3.375 - 30yr term. All payments were made up until XX/XX/2015. I was told that I had completed all of the trial payments, when the lender stated that I needed flood insurance. I paid {$380.00} for flood insurance and faxed the documents to my lender. They later stated that I did not comply with sending a notice to borrower disclosure which was faxed with my proof of insurance. I have now reapplied however, the new offer is not affordable. The proposed payment is XXXX. This is unaffordable for me. My income is only XXXX/month.
Consumer complaint received 2021-07-10
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)

Attached Screenshot proves XXXX  reported to XXXX {$0.00} balance due but they will not update my credit score, I need to help family get loan for medical, Please ask them to update my credit score
Consumer complaint received 2018-02-08
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: Phoenix Financial Services LLC (TX)

On XX/XX/2017 I sent a certified letter to XXXX and XXXX asking for the information used to Validate the following debuts : PHOENIX FINANCIAL SERVICES. In addition to the credit reporting agency I wrote XXXX XXXX. I have not received the information used to validate these dates. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. I am also attaching an opinion letter from the FTC on the illegal practice of continuing to report these collections on my credit report without proper validation ( Review the FTC Lefevre-Cass letter ).
Consumer complaint received 2021-09-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (DE)

transworld systems inc. XXXX  XXXX  XXXX  XXXX  de. 19850 ( XXXX ) XXXX assigned date XX/XX/2020 has been sending me collection notices in the amount of {$50.00} the collection has been repoted as past due balance, i do not know this company. i have never done any business with this company. This company does not have a contract with my signature. i have not suppied proof under doctrine of estoppel by silence. engel v gravens ( mo ) 281 w 715, 719 i presume thst no proof of the alleged debt nor therfore any such debt in fact exists,
Consumer complaint received 2022-02-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

In XXXX of XXXX, my checking account was frozen due to my banks inability to verify unemployment checks. Then after speaking with the bank I was told that the only way I could have my account reopened would be to have the issuer Employment Development Department come with me to my nearest bank with two forms of identification to verify my checks or it would be closesd. A bank manager at the XXXX XXXX XXXX, California branch then attempted to help me by speaking with corporate to no avail. Two weeks after my account was frozen I was then informed that my account would be closed. I then was informed by the bank that my account was closed as of the XXXX of XXXX, XXXX  and i would receive my funds with 10 business days. It is now the XXXX of XXXX, XXXX and I have still not received my funds. I have incurred late payment fees, I have had credit card accounts closed, and I have not been able pay my bills because all of my funds within my account are missing and unaccessible.
Consumer complaint received 2018-06-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: First Credit Services Inc. (OK)

First Credit Services XXXX  This company calls me multiple times a day and it's always a foreigner making the call which leads me to believe it's a scam even though the number is out of XXXX, TX.
Consumer complaint received 2022-01-06
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: I.C. System, Inc. (NC)

On XX/XX/XXXX am XXXX XXXX account was open fraudulently. I am not aware of this account and it now has an outstanding balance of {$560.00}. It has effected me with an derogatory mark on my credit report. I reached out to XXXX XXXX and they can not locate the account and is forwarded over to a collection company I C SYSTEM on XX/XX/XXXX.
Consumer complaint received 2021-09-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PA)

Select Portfolio Servicing told us on XX/XX/2021 to submit an application for modification. 

On the SAME DAY, XX/XX/2021, they scheduled the house for a foreclosure sale date so it appears that there was NEVER going to be a review of the modification application. 

Called and spoke to XXXX on XX/XX/2021 and she could not answer the question as to why we were told to submit modification application and house was scheduled for sale on the same day.
Consumer complaint received 2021-09-10
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. (NJ)

This account has been disputed several times with XXXX as well as the credit bureaus. XXXX has it in their system that it is XXXX balance and settled in full. None of the 3 credit bureaus seem to reach out to XXXX to investigate no matter how many times I dispute this.