davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2023 i deposited my check in the amount of XXXX into a third parties ( ( XXXX XXXX ) chase account ( XXXX ) the check was put on a XXXX  day hold in which the check cleared. The account was restricted and i was unable to retrieve my funds nor check from XXXX XXXX account. I was told the check had to be verified by me ( XXXX XXXX ) as well as the maker which is XXXX XXXX. Chase asked for a phone number to verify the check i then proceeded to give Chase XXXX customer support phone number ( XXXX ) only but for Chase to inform me that the number i provided wasnt in their XXXX XXXX risk management system. I called XXXX and they informed me thats the only number they have for the business so at this point Im stuck. XXXX informs me they cant cancel or reverse the check because technically its been cashed and Chase says the same thing so my money is just sitting in someones account until i can provide a phone number thats in their system. This has been going on for XXXX months now. Please help
Consumer complaint received 2017-10-06
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: EQUIFAX, INC. (NC)

My purse was stolen out of my car in a XXXX parking lot ( XXXX, NC ). I did not do a police report at that time. After recently pulling a copy of my credit report I have noticed that there are quite a number of medical debts that are n't mine. I immediately contacted the collection company who did not help me and I then contacted the credit bureaus ( Equifax, XXXX, and XXXX ) and let them know about the problem. I disputed all items asking that signed documents be shown as proof that these charges belong to me. I have not received any original signed contracts to prove that these accounts are mine because there are none. I was told to get a police report but the years in between now and then of coarse that was impossible. I understand that each bureau reports differently however truthfully these accounts do n't belong on any of these bureaus credit report for me. I have attached my FTC Identity Theft Report Letter as well as the letter that I sent to Equifax XX/XX/2017. These accounts are making my credit score bad and its hurting my credit credibility. I have been trying to have these accounts removed for about three months now. This is unfair to me and I really need it to be fixed.
Consumer complaint received 2017-11-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

Navient misled me numerous times. My repayment amount was supposed to be $ XXXXmo, but now it 's up to almost {$300.00} and it appears to be some type of interest only loan. I started with XXXX XXXX and Navient bought the loans somehow. So now I deal with Navient who misleads and bullies me every time I talk to them, so I stopped dealing with them. They also robo call me about 5 times a day, despite me applying to get off the robo dial list. They also stalked me at work -- somehow got my work number and hassle me there now too. I had asked for my loan agreement ( which I have never signed or agreed to anything with Navient ) and payment history, and they  always say yes, but then do n't send me anything. I am currently in strong-arm collections for over {$1000.00} past due, but as a struggling XXXX single dad, I need to restructure my loan to get it back to the original type of loan I signed and agreed to and can afford, NOT an interest only type of loan that I will never pay off.
Consumer complaint received 2021-07-12
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. (LA)

I've been disputing XXXX XXXX account along with other inaccuracies with XXXX, Experian and XXXX  to correct the errors found on my credit file that they disseminate. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts ... .. I have also reached out to XXXX XXXX myself in a local office and by phone. I do not understand why this account can't be updated accurately when I am paying on this account monthly. This account should be reporting in good standing. See attached documents for inaccuracies recorded by XXXX, Experian, XXXX, and XXXX XXXX.
Consumer complaint received 2017-10-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Collections-I, LLC (AZ)

Health care collections i attempting to collect on debt that is over two years old. They removed it from my credit reports and now are trying to re attempt to collect it. There are two things wrong this, one i had insurance that was never billed, two you can only attempt to collect on a debt for XXXX  and medical debt and only report for three years in the state of az! This is again the FCRA and i want this item removed i have also sent a cease and desist letters and this complany is still contacting me. Not only did the bill inaccuratly now they are trying re report
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This account is inaccurate XXXX XXXX # XXXX. The Last date of Activity, Payment Status, Payment History, Account Type - Detail shows " REVOLVING '' but in XXXX appears " CREDIT CARD '' and an FCRA violation. Please remove this inaccurate account from my credit report.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (TX)

In late XX/XX/2024 I opened an account with Citibank and deposited in person two cashier 's checks from XXXX XXXX to seed the money with funds in the low 5 figures USD. 
On XX/XX/2024 I transferred XXXX USD from a checking account at another domestic bank to Citibank so that I could use the Citibank account to pay bills. 
On XX/XX/2024 I attempted to access my Citibank account online and received a notice that my account was on hold. Upon calling Citibank customer service, I was given a number within their fraud department. Upon calling their fraud department, I was told that my account was being closed, that no credits or debits could be made to or from this account, and that my funds would be returned to me in 30-60 days. The fraud department stonewalled any attempts to gain more information regarding the reasons for their actions or obtaining access to my funds. 

My complaints are : Citibank froze access to my funds and closed my account without notifying me. I learned of this information only through my own actions. 
Citibank is withholding my funds from me and depriving me of the time-value of my money. 
Citibank has performed these actions while withholding all reason or rationale for their actions.
Consumer complaint received 2017-10-06
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: SUNTRUST BANKS, INC. (MN)

XXXX was advertised on XXXX XXXX based on my credit scores as a place to apply for an auto loan. My XXXX XXXX is well above good. I filled out the various pages on XXXX 's page to apply for a pre-approval. In a matter of seconds, they responded with a rejection and placed a link to XXXX for this loan. It is my view XXXX is a phishing link for XXXX, they had NO intention to approve a loan based on the instant rejection. I have not been rejected by other lenders, rather I get offers each day for auto loans. Their web-site has no phone number to call either, no one to speak to. It is not a credible loan servicing company in my view based on my experience with other lenders.
Consumer complaint received 2017-02-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (HI)

When the loan was purchased from XXXX to Freedom Mortgage all contact information was incorrect. Thus I was never notified of the sale. In spite of making on time payments a cascade of various late fees and negative credit reports were issued. Once I was aware of the situation it took months to resolve. Now I 'm being hit with another {$110.00} late fee again even though I had made my XXXX payment on time. Their excuse is that they had adjusted my monthly payment amount an additional {$20.00}, and that they 've waived enough payments for me in the past ( even though those waivers were their fault ). I feel harassed by an agency I have no say in and no recourse to take my business else wheres without paying huge refinancing fees.
Consumer complaint received 2024-03-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NY)

Ive been paying my rent through an app called XXXX since XXXX using my chime card so they can see several transactions to XXXX from my account on XX/XX/XXXX. XXXX had a nationwide glitch and they double charged. Everybody so then returned the second charge so they put the deposit back into my account And chime is saying its suspicious activity. You can clearly see on my statements that Ive been dealing with ZRent several times so Im not understanding what the issue is they wont give me my money back they wont help me. I have sent proof who I am I have sent proof showing them that you had a glitch. I have sent text messages between me and my landlord that verified that there was an issue. They double charged him too. I dont understand how and why they can get away with this, its outrageous
Consumer complaint received 2017-10-06
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: Diversified Consultants, Inc. (GA)

On XXXX, XXXX XXXX appeared on my credit file. I disputed this collection account with Equifax on XXXX and XXXX I have contacted Equifax in reference to a collection from XXXX XXXX collection account reporting inaccurate information on my credit file. The original account was a result of identity theft and I have submitted identity theft affidavit as well as police report on these items. I currently have service with the " original creditor '' that is supposed to be collecting for the debt. I do not owe the original creditor.as I would not currently service with them. I have contacted XXXX XXXX on several occasions as well to validate this debt was mine. I have received nothing from XXXX XXXX except excessive harassing phone calls on a daily basis to my cellular phone. Equifax keeps stating that this debt has been verified however, I am unsure how this could be when Equifax has incorrect information listed in my credit file for my date of birth. The XXXX XXXX collection account is NOT my account and I request that it be deleted from my credit file.
Consumer complaint received 2017-10-06
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: STERLING JEWELERS, INC. (HI)

Alleged company use scare tactics to threaten me to pay. Funny thing is it used a fake social number and name that not even mine yet still claim I MUST pay. That 's clearly identity theft written out. Name spelt way off and Ssn number used is off. That 's clear identity theft. They ripping off me.
Consumer complaint received 2024-03-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IL)

Jefferson first reached out to me in XXXX about this debt. I let them know that this debt does not belong to me. While I did work at XXXX in XXXX, I have always had XXXX as a provider. My mother also has the same name as me. I also reached out to them in XXXX when it popped up on my credit again. We are now 7 years later and they continue to report a debt that I let them know I am not responsible for. They have ignored my requests for any documentation and they lie to transunion about this being a new debt every few years. Their processes are unethical.
Consumer complaint received 2017-10-06
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: JH Portfolio Debt Equities, LLC (GA)

On XX/XX/XXXX, JH Portfolio collection appeared on my XXXX credit report for the first time. I have disputed with XXXX on XX/XX/XXXX and XX/XX/XXXX and informed this collection from JH Portfolio collection account was reporting inaccurate information on my credit file. The original account was a result of identity theft and I have submitted identity theft affidavit as well as police report on these items. The original creditor deleted the account from my report. However, now JH Portfolio is now reporting. How is this legal to report inaccurate information when the original creditor deleted the incorrect information? On my police report I have even listed JH Portfolio as they are the company that is showing on my credit report. I have contacted JH Portfolio on several occasions as well to validate this debt was mine. I have received nothing from JH Portfolio except excessive harassing phone calls on a daily basis to my cellular phone. JH Portfolio has also aged the account to XX/XX/XXXX on my file for a date prior than when it originally appeared on my credit file. The J/H Portfolio collection account is NOT my account and I request that it be deleted from my credit file.
Consumer complaint received 2015-03-26
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: National Principal Group, LLC (CA)

XXXX XXXX of Lakefront Processing Solutions called and left a voicemail on my phone saying there 's a claim against me and referenced claim number XXXX. She called from XXXX ( a spoofed fake phone number ). She wants to verify my address to present me with my formal claim at my residence and place of employment. She goes on to say at this point I have an opportunity to call the firm handling this claim to discuss the matter at XXXX. She then ended the call saying I was officially notified. I do have this message saved on my voicemail so I do have proof of this call.
Consumer complaint received 2017-10-06
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: EQUIFAX, INC. (MI)

I sent a certified letter demanding the following accounts be verified or removed immediately. I received no response from Equifax. But I sent this request certified mail and it was received by them. I have waited the time allowed for a response. I now demand that the following accounts be deleted and removed from my Equifax credit report : XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2020-10-06
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. (TN)

The credit card company is showing my account as 30 and 60 days late payment it is showing during a time when my account was showing as not being reported.

I was never late with my payments. I tried contacting the company but they did not do anything to resolve the issue. My account number is not showing on the account and they said they can't give it to me because of confidential reasons so I don't have the account number and it is not showing up on the report. The account is closed because I have not been using this account.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

My credit information has been compromised through two companies : The XXXX XXXX XXXX XXXX XXXX KY and XXXX. I was advised by my bank to contact Trans Union to find out my credit score, install a credit alert system, and freeze my information. I had to sign up to pay {$19.00} for a monitoring service through Trans Union to access my credit score, and once I did that, I still could n't learn my credit score or freeze my information. I do n't know what else to do to protect myself or to learn my credit score. It 's possible that I have misunderstood some portion of this process.
Consumer complaint received 2020-11-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (PA)

I was notified by XXXX  that there was a change in my credit report on XX/XX/XXXX in which I reviewed and submitted a dispute. Consumer Adjustment Co has repeatedly ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) reported delinquency on my credit report in which I have no idea who they are or what debt they are reporting delinquent, as I have not received any statements or written communication as to what this debt is nor was I given the required ability to dispute or request validity of implied debt, therefore a clear violation of regulatory requirements as well as conducting abusive and deceptive collection practice, causing unavoidable harm as my credit score has significantly been impacted.
Consumer complaint received 2017-10-06
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: JH Portfolio Debt Equities, LLC (GA)

On several occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I have contacted XXXX in reference to a collection from JH Portfolio collection account reporting inaccurate information on my credit file. The original account was a result of identity theft and I have submitted identity theft affidavit as well as police report on these items. The original creditor deleted the account from my report. However, now JH Portfolio is now reporting. How is this legal to report inaccurate information when the original creditor deleted the incorrect information? On my police report I have even listed JH Portfolio as they are the company that is showing on my credit report. I have contacted JH Portfolio on several occasions as well to validate this debt was mine. I have received nothing from JH Portfolio except excessive harassing phone calls on a daily basis to my cellular phone. XXXX keeps stating that this debt has been verified however, I am unsure how this could be when XXXX has incorrect information listed in my credit file for my date of birth. JH Portfolio has also aged the account on my credit file for a date prior than when it originally appeared on my credit file. The JH Portfolio collection account is NOT my account and I request that it be deleted from my credit file.
Consumer complaint received 2015-07-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Trident Asset Management, L.L.C. (DE)

In XXXX of 2012 I contacted XXXX to purchase internet service for my apartment. Since I was never able to actually connect the services, I contacted XXXX and cancelled my service. The account representative informed me that there would be no balance due. To date, I have received numerous collection notices for this XXXX account. I have disputed the validity of the debt with each collection agency and have never gotten a response from any. I still continue to receive negative marks on my credit as a result of this account.
Consumer complaint received 2021-07-05
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I am very upset over the credit report I recently received! This is totally out of control. I am amazed that the government allows Credit Bureau to make such obvious errors that damage people so badly. I am willing to do whatever it takes to make you responsible for poor reporting practices if you do not respond quickly and accurately to this letter. I dont know where you got the following accounts from. I been sending dispute to Credit Bureau but they won't reply, they sent me response once by saying it has been verified. After that I mailed dispute two times, no response. Please proof of mail. 

1. The status is incorrect for the following account : account is open. Wrong balance is being report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 


Please remove correct this with all haste. Thank you for your attention. I apologize for being so angry.
Consumer complaint received 2017-10-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NE)

Early XXXX 2008 talked with XXXX XXXX at Wells Fargo Bank XXXX XXXX, XXXX NE and gave a debit card deposit of {$490.00} to " Lock in the rates ''. A few days later we told him we were going wit another bank and asked for a refund. The refund was denied as it was to be for appraisal and credit report, of which neither was done. 
We are retired and live on social security and can not afford to loose the {$400.00}. We believe Wells Fargo deceived into thinking the deposit was to " Lock In The Rate '' for a period of time, as XXXX XXXX said, " The rates are fluctuating every day. ''
Consumer complaint received 2024-03-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (OR)

The company continued to charge me after I asked them to stop and close my account and I was charge4d an additional XXXX in fees that they have not refunded nor have they responded. My account with them is in XXXX and I have had to absorb the additional XXXX conitnued to be charged to me because they kept submitting the same request after I asked them to stop and cancel my card. They will not cancel my card because of the negative balance and they continue to try and charge my account. They owe me an additional {$90.00} and if they would correct that I would c consider being a customer of theirs. 

They did refund the last complaint BUT they split it between my linked checking account and the negative balance on the PayPal debit card.