davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

There are hard inquiries on my account that are reflecting inaccurately. 

XXXX XXXX ( Finance ) XX/XX/2XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 Please assist with removing the above hard inquiries. 

Thank you
Consumer complaint received 2020-12-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I have 90 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2021-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

Good morning, On XX/XX/2021, I visited a Chase Bank branch in XXXX XXXX to initiate a wire transfer of XXXX USD to my USD Brother 's account in XXXX. As per Chase 's policy, I was supposed to be charged {$50.00} for the wire transfer. Therefore, the transfer is actually from USD account in the USA to another USD account in XXXX. 

The funds were supposed to be available on XX/XX/2021 in my brother 's account in XXXX. Nevertheless, it was delayed for unexplained reasons. 

Around XX/XX/2021, I received an email and a call from the banker in XXXX XXXX asking me for additional information. I provided everything as required. 

On XX/XX/2021, I received an email informing me that the wire transfer has been executed. 

On XX/XX/2021, it was confirmed by my brother in XXXX that he received the money, HOWEVER, NOT THE FULL AMOUNT. 

He only received {$9500.00}. Obviously the XXXX bank also deducted {$17.00} of incoming wire fees ( which is totally okay ), but why did my brother receive a way less amount than what he should receive? 

He was supposed to received {$10000.00}. He only received {$9500.00}. There is a shortage of {$450.00}. 

It does seem that Chase did a conversion to XXXX Dollars before sending out the money and then the XXXX bank did another conversion to American Dollars in order to deposit it into my brother 's account. However, I NEVER ASKED THE BANKER OR THE WIRE DEPARTMENT AT CHASE TO DO THE TRANSFER IN THIS WAY. 

I asked Chase to transfer {$10000.00} ( Which is a USD account ) into my brother 's USD account in XXXX. He should receive {$10000.00}, and not {$9500.00}. 

I require a full investigation in this wire transfer. I've already contacted the banker responsible for that, but it does seem that Chase doesn't want to resolve that issue. Therefore, I am reaching out to the feds to help me resolve this issue and protect my rights and my money as a consumer and a law abiding citizen.
Consumer complaint received 2020-09-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (TX)

On XX/XX/2020 i found i was in a forbearance status with Dovenmuehle Mortgage. i immediately called them and caught all my payments up. In XX/XX/2020, They were dishonest in the manner in which they put me into forbearance and actively called me to ask if i want to suspend payments for 90 days with no penatly. They never mentioned a forbearance status or anything of the sort. I am trying to refiaqnce with another lender and can not do so, because of the forbearance status placed by Dovenmuehle. 
I paid my payments, i am 100 % current, any have left 4 messages with their representatives for a supervisor to call me, I have also logged into their website and left 4 emails, all since XX/XX/2020 and no one will respond. I have been on hold for hours, no one answers. 
It is my impression they have abused the forbearance rules recently enacted and now are willingly neglecting responding or removing me from such a status or program, despite my repeated attempts. 
I have called XXXX and can not get through to them.
Consumer complaint received 2017-12-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Linebarger Goggan Blair & Sampson LLP (NJ)

Basically, I used to have an active XXXX XXXX account with a credit card attached for billing purposes. When that credit card was rendered inactive due to being maxed out, I forgot about it multiple times and continued going through XXXX XXXX  toll lanes ( in NY state ), which led to outstanding toll violations and fines. 

Upon my own fault, I kept forgetting to settle the outstanding amount I owed XXXX XXXX. Because of that, XXXX XXXX rightfully referred my debt to Linebarger, Goggan, Blair, and Sampson. I then realized this had to be paid as soon as possible, so I contacted them to pay any outstanding debt. 

I 've already paid several hundred dollars for debt that I owed from XXXX XXXX ( including fines attached ). However, here 's where it all started to go wrong. I was told more than once that I could " settle '' for less than the amount owed if I paid by a certain date, which I did. Upon calling back to confirm such payment has been settled, I was told that there was no record of a settlement and that I still owed more money ( with additional fines attached ). Credit card statements DID show that this collection agency charged the full amount discussed and was paid. At one point, I had several different customer services representatives on the phone, as well as a supervisor. They all gave me different amounts ranging from a total of {$50.00} to a total of over {$600.00} for the exact same debt violation ( s ). I became so confused at this point that I did n't know what I owed anymore, not to mention I was told on multiple occasions that a certain outstanding debt was still owed when I had paid it several weeks prior. 

I have been making multiple attempts to pay this agency the amount that I rightfully owe them, but it 's become impossible. I 've decided that it 's time to involve the CFPB since each and every individual that I 've spoken to has contradicted each other in regards to what has already been paid and what is still owed ( including the amount itself ). 

I have legitimate reason to believe that Linebarger, Goggan, Blair, and Sampson are intentionally using deceptive practices to defraud me as a target of their agency, and that they will continue to do so unless the CFPB becomes involved. I advise any and all individuals falling under the jurisdiction of Linebarger, Goggan, Blair, and Sampson to  notify the CFPB at the very first sign of potential fraudulent practices ( as opposed to making the same mistake that I did by delaying my opportunity to file a complaint ). I also advise individuals NOT to assume that any mistake regarding outstanding debt amounts on behalf of Linebarger, Goggan, Blair, and Sampson are accidental. I repeat, DO NOT assume that such mistakes are accidentally caused.
Consumer complaint received 2021-10-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (NJ)

Bought a vehicle back in XXXX under XXXX who recently has a class action lawsuit. The vehicle was repossessed in XXXX  and I have been trying to dispute this off my credit because it has been sold to different collection agencies. This bank was taken to court and under the class action lawsuit even though the vehicle was sold they are supposed to take care the deficiency of the balance to XXXX $ I demand this be taken off my credit report attached is proof its supposed to be off my credit. I am being over charged with fees seems every week or month!
Consumer complaint received 2021-04-10
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: LEXISNEXIS (NJ)

XXXX  continues to show an inaccurate public record - Chap XXXX Bankruptcy on my credit report. XXXX claims they are getting this data from Lexis Nexis and asked me to contact them. I did and after investigation, Lexis Nexis removed this entry from my file. However, XXXX  continues to report this entry despite numerous disputes. I have contacted Lexis Nexis and they informed me that they have notified XXXX  regarding the update to my file but that they can not control what is being shown by XXXX.
Consumer complaint received 2020-12-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

Chase Bank has closed my account with know explanation or notice. 
I went to log in online and it stated : " We locked you out of your account, please call XXXX. 
After calling the number they stated they have closed my account. I asked to speak with a manager. The manger told me after review of my account they choose to terminated my account. They would not give a reason when asked and told me know one at any level would tell me and it's in their contract that they can do this at anytime without cause. 
I then went to the bank in person ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ. ) to get my balance of {$1000.00} plus what is on my Chase credit card and was denied. They refused to give me my money. I think it is illegal to do this. I asked again for a reason and was denied. I am now worried about identity theft? I asked for my past 4 months of bank statements and was given copies since I can not accesses my account anymore because they locked me out. Those statements give no reason for termination to my account. 

Complaint is as follows : 1. No notice ( an email the same day is attached for you to review ) 2. No explanation or any suspicious activity ( 2 resent months of statements is attached ).

3. Denied my funds at the bank. ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AZ ) 4. Have filed several high level complaints with the bank-no response.XX/XX/XXXX 5. I am also the power of attorney for my mother and our accounts are linked so that I can pay her bills if she needs me to. She has XXXX XXXX and that is why we set this in place with Chase. Now I can also not take care of my mother because of this. 

How a bank could do this to someone is unheard of. I understand if there was a legitimate reason as I understand that is how they can keep criminal activity shut down. I am an upstanding member of the community. Never been arrested. 
I now have no money for food or gas, how is something like this possible? 
I am a XXXX XXXX XXXX and can now not drive my buyers to show homes and perform other duties. 

I have documentation that I will attached for bank statement for the past two months along with other documentation. 


Please Help, XXXX I XXXX XXXX XXXX
Consumer complaint received 2022-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MS)

I have sent several letters to Experian to remove inaccurate addresses from my credit report, and they have not removed the inaccurate addresses oon my credit report. 
The following addresses are inaccurate and need to be removed. My proof of address and drivers license is attached. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TN XXXX
Consumer complaint received 2017-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I want CapitalOne to enable me to share my financial data with 3rd party applications and affiliates such as XXXX. These programs help me monitor spending, budgets, transaction and theft alerts. I should have easier access to this information through the choice of who I share this information with.
Consumer complaint received 2024-08-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

For the second month in a row, MOHELA has failed to apply my employers $ XXXX  monthly payment in a timely manner. The payment was sent on XX/XX/XXXX and as of today XX/XX/XXXX, there is no record of payment on the account.
Consumer complaint received 2020-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Transunion did not properly investigate my XXXX account on my credit profile. This is not my account and I have never had an account with them. 

Transunion did not properly investigate my XXXX account. It saying I was late. I was never late. 

Transunion did not properly investigate my XXXX Account. It is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX XXXX XXXX account. Its is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX XXXX XXXX  account. It is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX account. It is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX XXXX account. It is closed and still showing on my credit report. 

Transunion did not properly investigate my Dept ed/XXXX account. it is closed and still showing on my credit report with duplicate account Transunion did not properly investigate my XXXX XXXX account. It is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX  account. Its is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX XXXX. account. It is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX XXXX account. It is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX account. It is closed and still showing on my credit report. 

Transunion did not properly investigate my XXXX XXXX account. It is closed and still showing on my credit report duplicate. 

Transunion did not properly investigate my XXXX XXXX XXXX account. This is not my account. I never had a account with them. 

Transunion did not properly investigate my XXXX XXXX account. This is not my account. I never had a account with them. 

Transunion did not properly investigate my XXXX XXXX account. This is not my account. I never had a account with them. 

Transunion did not properly investigate my XXXX XXXX account. This is not my account. I never had a account with them. 

Transunion did not properly investigate my Chapter XXXX account. This is not my account I never had a Chapter XXXX account. 





Transunion did not properly investigate my XXXX
Consumer complaint received 2021-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC (CA)

I created a XXXX account on XX/XX/2021 and sent a copy of my drivers license for verification. It has been almost a month and I still have not been verified. I deposited {$500.00} in the account and they gladly took my money. However, when I tried to withdraw my money, Gemini wouldnt allow me to and I get a pending verification notification. I contacted their support on XX/XX/XXXX, and I got a response on XX/XX/XXXX saying they received my support request, but did not include any information of the status.
Consumer complaint received 2021-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mandarich Law Group, LLP (CA)

I received the letter dated XX/XX/XXXX, from Mandarich Law Group , LLP regarding my current Creditor XXXX XXXX XXXX in the amount of $ XXXX never have creditor XXXX XXXX, and the balance was a charge off on XX/XX/XXXX.
Consumer complaint received 2021-04-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Financial Resources, Inc. (MA)

First Financial resources is attempting to collect a debt not owed and is in violation of consumer debt collection market defined by 12 CFR 1090.105. 

I requested that the company validate the debt, which I do not owe. Instead they failed to validate the debt and continued with the debt collection. Instead of validating the debt, they sent, what appears to be a fake document, which in any instance does not validate any debt.
Consumer complaint received 2023-03-25
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. (MD)

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 3 credit bureaus to validate these accounts ( 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. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$430.00}
Consumer complaint received 2021-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (TX)

This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent information from my consumer report and from there internal data base.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (NJ)

In the last few weeks, Experian has dropped my credit score over 35 points for absolutely no reason whatsoever. I recently paid off my vehicle loan and 3 weeks later my score dropped from XXXX to XXXX. Approximately 1 to 2 weeks later it dropped again from XXXX to XXXX. During this period there were no inquiries into my credit, no late payments, no new accounts opened. This enormous credit score reduction has absolutely NO basis in actual credit usage. Additionally, I have tried repeatedly to reach the company by phone or email only to realize that there is NO WAY to reach a live person.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Allied Collection Services, Inc. (Nevada) (NV)

Account was placed with collection agency XXXX XXXX XXXX ( XXXX ) XXXX ) for {$750.00} by XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. This account was settled and paid in full directly to XXXX. XXXX XXXX merged/was sold to Allied Collection Services ( XXXX ) XXXX ) and Allied Collection Services now shows the erroneous/paid off debt while XXXX is reporting the same, duplicated account. Phoned XXXX ( which is now Allied Collection ). They stated they were aware of the duplication of accounts reported and they are working to correct. I asked them to remove their accounts as they were duplicates and because I have settled/paid in full direct with creditor.
Consumer complaint received 2020-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

These accounts on my credit are multiples and needs to be removed. XXXX was never an company i used, that would be considered identity theft. And for the last two, I was never late on my payments. I tried to rectify these and had no luck. Please assist me. Thank you Accounts XXXX XXXX XXXX This account is a duplicate, please remove. 
XXXX XXXX XXXX This account is a duplicate, please remove. 
XXXX XXXX XXXX I was never late making a payment on this account. 
XXXX Please correct immediately. 

XXXX XXXX I was never notified by the creditor that my XXXX payment was late. Please delete this late payment.
Consumer complaint received 2020-12-01
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. (GA)

These accounts on my credit are multiples and needs to be removed. XXXX was never an company i used, that would be considered identity theft. And for the last two, I was never late on my payments. I tried to rectify these and had no luck. Please assist me. Thank you Accounts Reason XXXX XXXX This account is a duplicate, please remove. 
XXXX XXXX XXXX This account is a duplicate, please remove. 
XXXX XXXX XXXX I was never late making a payment on this account. 
XXXX Please correct immediately. 

XXXX XXXX I was never notified by the creditor that my XXXX payment was late. Please delete this late payment.
Consumer complaint received 2021-04-10
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: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.