davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-24
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2023, I went into my local Chase branch near my home to do a international wire transfer of {$200.00} USD. There was no email or notification on the status on my international wire transfer. I called Chase on XX/XX/2023 to inquire about the status. Chase told me that the recipient bank XXXX rejected the transfer. I paid {$50.00} to Chase for this service. I got {$160.00} USD from the initial {$200.00} USD that was wired. I called Chase and Chase said it is not their problem. 
Chase wanted me to do the international wire transfer. I said no I can't afford to use their unreliable international wire transfer service. I instead used XXXX with the same info that I gave Chase and had no problem.
Consumer complaint received 2021-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I XXXX XXXX NATURAL PERSON WAS DENIED CREDIT WITH BANK OF AMERICA. I CALLED AND SPOKE TO A REPRESENATIVE AND THEY WERE VERY RUDE AND I WOULD MUCH RATHER BANK OF AMERICA OPEN THE CREDIT CARD ACCOUNT BECUASE I AM EXGTENDING MY CREDIT TO THEM MY SOCIAL IS XXXX NAME XXXX XXXX DOBXXXX XXXX THEY WILL BE ABLE TO LOOK LE UP IN THEIR SYSTEM I WOULD LIKE THE CREDIT CARD TO BE OPEND SO I CAN DO BUSINESS WITH THEM I AM REQUESTING A CREDIT LIMIT OF XXXX THAT I WILL USE RESPOSIBLY AND PAY ON TIME. THANK YOU
Consumer complaint received 2019-05-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Kashia Services (MO)

Originally applied for {$5000.00} was approved for {$900.00}. At that time we thought paying {$6000.00} for a {$900.00} loan was insane. So my wife and i decided against it. That was roughly around XX/XX/2019. XXXX XX/XX/2019 we decided to go through with the loan. My wife submitted the application was approved for the {$900.00} provided all information ssid banking etc and after they provided the payment breakdown she e signed the contract. Then they said she had to call a number to finish the process. During this call they re collected all her information then after a few minutes informed her she was now only being approved for {$270.00}. With the exact same payments and cycle as for the {$900.00}. When my wife challenged this discrepancy XXXX the supervisor hung up on her. So now they have all our banking information and personal information.
Consumer complaint received 2018-06-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Columbia Recovery Group LLC (GA)

I received a call from " XXXX XXXX '' with this number. Claimed to work for the county. Complete lie, threatening to arrest me etc. I recorded phone call and voicemail.
Consumer complaint received 2019-05-09
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: Fairway Independent Mortgage Corporation (AZ)

On XX/XX/XXXX I reached out to the XXXX branch to resolve a matter involving an inquiry reported on my credit report I do not recognize. This inquiry has the date listed of XX/XX/XXXX. They did not provide the third party, XXXX XXXX, whom they sent it to, proof that I authorized this. This meaning in accordance with the FCRA they must have my signature authorizing the credit pull.
Consumer complaint received 2020-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, DEPT OF EDUCATION/XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXY, Company Inquiries : XXXX   XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX. 
XXXX XXXX XXXX
Consumer complaint received 2020-07-14
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (TN)

Dealing with this horrible company is getting pretty ridiculous. I just received a letter from XXXX XXXX stating that I need a police report in order for them to cease all collection efforts. Instead of them PROPERLY verifying that I owe this debt, they now tell me I have to do something else. Money hungry immoral companies like this should be shut down.
Consumer complaint received 2020-06-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Coast to Coast Financial Solutions, Inc. (VA)

Upon randomly checking my credit report I discovered there was an account marked as collections from a company called COAST TO COAST FINANCIAL. I dont know anything about this company and surly never received a letter from them stating that the account will go in collections which would have given me a chance to dispute the account and further investigate the account. There have been two certified letters sent to COAST TO COAST FINANCIAL requesting legal proof that this account belongs to me and both times they have not sent anything. This account is fraudulent and they are breaking federal law. I want the account deleted immediately.
Consumer complaint received 2019-10-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (NY)

I have contacted Midland funding about 2 accounts I have settled and paid! They indicated on a recorded line that this would be removed from my credit report after paid and settled, according to credit report it should raise my score! Neither account have been removed! One is from XXXX paid in full and one from the beginning of XXXX! I have sent 2 emails and got notification they had been read and made one call where I was disrespected! Then they placed a derogatory remark on my credit report
Consumer complaint received 2020-07-14
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A. (MI)

On XX/XX/XXXX I opened up a Macy 's Credit Card. I was making my payments on time. In XX/XX/XXXX I filed for Chapter XXXX Bankruptcy and it was discharged.The credit Card was included in the bankruptcy. For some reason, the Macy 's credit card was still reporting on my credit report just recently and is affecting my credit score because it shows up as an inquiry/derogatory. 

I hired a 3rd party company to try and dispute this. They reached out to Macy 's but all 1st Macy 's did was update it rather than delete it off my credit report. I would like this removed off my credit report so that it does not report on my credit report anymore.
Consumer complaint received 2018-06-13
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: BMW Financial Services NA, LLC (NY)

I leased a XXXX XXXX BMW for 36 months, at the end of my lease I turned the car in. a few months later I received a bill for {$1100.00}. ( {$350.00} deposition fee, {$150.00} for lost key, and {$600.00} for crack in windshield ). my problem is the {$600.00} for the windshield. When I returned the car I took a video of the car while the employee was taking my plates off. There was no damage to the windshield. I tried to explain to the collection employees who continue to call me. I told them about the video that I had, both employees said it didn't matter. I asked how could a video not be proof? Can you please look into this matter.
Consumer complaint received 2023-01-26
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

I was unaware there was a balance due for my previous insurance provider XXXX XXXX XXXX. I received communication from Credit Collection Services about the past due balance. I paid the debt in full & Credit Collection Services representative assured me 100 % that the account would be removed from my credit report. After the months and months the collection company refuses to honor their word.
Consumer complaint received 2018-06-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

XX/XX/XXXX we filed for a loss mitigation program through mortgage managements consultants. We were in a 3 month trial payment plan. We made all of those payments. In XX/XX/XXXX we had a notory come to the house and signed papers for the new payment. During this process mortgage management consultants sold our loan to carrington mortgage. We were told to not make a payment for XX/XX/XXXX. We made XX/XX/XXXX and XX/XX/XXXX payments to carrington even tho we were never sent final paperwork about our loan being sold. We were never given a new loan number from carrington. Also they were sending us mortgage statements saying that we owed them {$40000.00}. Then all of a sudden we got papers after XX/XX/XXXX saying that our home was going to auction. Then our house was sold at public auction. There was an investor who purchased it but it go into his name until XX/XX/XXXX. We are still living in the home and we shouldnt have to move. The mortgage company has had several complaints and problems filed against them. When I call our old mortgage co they said everything in our file has been completed.
Consumer complaint received 2022-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (CA)

This company continues to harm the consumer by knowingly reporting fraudulent information to XXXX ; when there in fact HAS NEVER BEEN A CONSENSUAL CONTRACT BETWEEN CONSUMER AND THIS COMPANY. Despite the requests for debt VALIDATION, this company continues to violate the consumer in numerous ways and XXXX accepts these fraudulent reports as accurate despite the multiple disputes
Consumer complaint received 2019-05-18
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Merchants and Medical Credit Corporation, Inc. (MI)

I had my automobile repaired at a collision shop after an accident. The collision shop agreed to provide me a free rental vehicle while the car was being repaired from XXXX XXXX located next door to the collision shop! XXXX asked for and I agreed to provide my Debit Card SOLELY if there was any damage done to the vehicle which I drove while the collision shop repaired my vehicle! The rental car was returned WITHOUT ANY DAMAGE, the collision shop paid for the rental but XXXX XXXX charged my Debit Card without my permission! They have now turned me over for collection with Merchant 's & Medical Credit for more than XXXX XXXX wants, {$210.00}
Consumer complaint received 2019-05-18
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. (TX)

Experian Credit Bureau have the following inaccurate Hard Inquiries on my Credit Report : XXXX XX/XX/XXXX and XXXX XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. XXXX and XXXX   have removed this damaging and inaccurate information from my Credit Report. I also contacted CFpb Consumer Protection Bureau for help. Thank you for you help. I am a XXXX XXXX XXXX. This is fradulant information on my Credit Report.
Consumer complaint received 2021-07-14
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. (FL)

i have dispute this account over and over and I never get no verification of any document sent to me for any account and these student loan where removed and the credit bureau aloud them to come back on after a year later what verification are the credit bureau even ask the creditor to provided to make sure these account are accurate I would love to know
Consumer complaint received 2019-05-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (FL)

Choice Recovery ignored my first letter for debt verification. I send a send letter for debt verification in which i received correspondence, however Choice Recovery still failed to validate the debts the allege I owe. Choice Recovery is violating FDCPA and FCRA.

Please see the attached letter sendt to Choice Recovery
Consumer complaint received 2019-05-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Enterprise Acquisitions (MI)

I had my automobile repaired @ a collision shop who agreed to provide me a free rental car from a car rental agency, next door, XXXX  XXXX. 
I was asked and did provide Enterprise my Debit Card, SOLELY to pay for any potential damage to the rented vehicle! The car was returned without damage, the collision shop paid the daily rental fee, now Enterprise, without my permission used my Debit Card and is harrasing, threatening me, and has put me into collection for an additional {$170.00}, I never agreed in writing or orally to pay!
Consumer complaint received 2019-10-02
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: EQUIFAX, INC. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2019-03-08
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: U.S. BANCORP (MA)

US Bank will not remove a late payment status from my account, from XX/XX/2017. I leased a car from US Bank ( never again, they are horrible ) and set up autopay with my bank. My bank ( XXXX XXXX ) did not release payment because they saw fraudulent activity on my account and stopped all payments to protect me. I tried to explain this to US Bank and I had the worst experience, being bounced around on the phone, put on hold for extended period of time, dropped or disconnected calls, telling me someone would call me back, etc. I could go on and on. My bank tried to protect me, they wrote a letter to US bank and US bank would not do anything. I apologized for the mistake which I wasn't aware of until after 30  days went by and then payment was 31 days late. US Bank then put a strike on my credit. If you look at my credit report I have never been late with a payment in my entire life. I do not carry credit card balances, I pay my mortgages off in full when I can. I had a credit score of XXXX and when US Bank did this to me my score dropped dramatically. It was a mistake which I apologized for and which I never made a mistake like that in my life spanning 40+ years of excellent credit, I think that they should correct it. Also, given the fact they my bank, XXXX XXXX, wrote them a letter explaining why they didn't release payment. Again, I set up autopay from my bank to US bank as soon as I leased the vehicle from them. I also had autopay set up from my previous lease with XXXX XXXX and never had a late payment. I am upset that a mistake was made, never intentional, and as soon as I was aware of the mistake I called US make and made three payments over the phone. Any help you can provide is appreciated. I have attached all of my documentation, letters to US bank, letter from my bank, proof of my on-time scheduled payment from XXXX XXXX to US Bank, and more.
Consumer complaint received 2018-06-13
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. (ME)

On XX/XX/2018 my husband and I filed chapter XXXX. I sent a copy to Transunion asking them to fix their errors. I get a copy of our reports and all our good credit that was paid long before this is marked as bankrupt even through they are paid. They removed the XXXX from my husbands report as chapter XXXX when it was reaffirmed with the company. They are idiots and I can not seem to get them to correct it even with the copy showing what was involved. There was no open loans. Only credit cards and collection items. They even screwed me on the one open account I had and they were not even mentioned in the chapter XXXX. HELP ... ... how do we get them to report it right?
Consumer complaint received 2015-12-21
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

When The President came out with the HARP program I called my bank to find out about to much time has elapsed and we need to start all over again. I also want to add that we the program. The bank told me that the program was not out yet. I asked them again XXXX years later to be told that I did n't qualify for the program. I was not asked for any financial information or to fill any paper work when I was told that. Right after that I was told that my XXXX and XXXX mortgage was in collections. We have never been late or missed a payment. After I complained about the mortgage going into collection they allowed me to file for a modification. I sent several pieces of information to them and after not hearing anything I called them. They told me my modification was closed because they never received the information they requested. I then advised them that I went to my local Bank of America and had them fax over the papers. I gave them the time and date it was sent then They said I was missing some of the paper work requested. No one ever called to advise us anything was missing or that they needed any additional information. This happen several times. They wait so long to get back to us with anything. When I hear from them again that are senior citizen with a lot of medical expenses they we did not have before.
Consumer complaint received 2016-07-29
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hi I have been banking with BankOfAmerica for the last 6 years and recently opened a new savings account last week Saturday over the phone with a banker. The banker requested my debit card number so she could make the initial {$25.00} deposit to open my account and the banker debited from my account twice which I have attached proof. I alerted her to the XXXX transactions and was told that it 's not processing on her end but it may show up in about 3 business days so I was told to wait until Wednesday which would of been the third business day until the transaction was processed and if not to call back in, we then went through the online e-banking process and she helped me to set up an online account. Tuesday of the following week I transferred {$250.00} to bring my account to a XXXX minimum so the {$5.00} monthly fee would be waved, by Wednesday I signed into my other checking account which was used to debit the XXXX charges of {$25.00} each and I noticed my account was credited {$50.00} back so I called my bank and was told that either BankOfAmerica cancelled, rejected or their could of have been a merchant error in processing the XXXX fees and bankofamerica did not receive any money. I then decided to transfer back XXXX from my bank to bankofamerica so I could bring my account to an even {$300.00}. A while later I checked my account to see if the money was received and while trying to login I was given an error message and a number to call. I called and reached a very rude and inconsiderate account risk customer representative and was told my account was closed and there is nothing I can do about it. I asked why and was told BOFA had the right to close my account without my permission and I am BANNED from life from ever opening an account with BOFA, it was a business choice and I am welcome to bank with another bank but it 's a business decision that we no longer want you to bank with us. I was appalled, shocked and hurt. I have been banking with you guys for the last 6 years because you guys are the closest branch to where I live. I went to the bank later that day and was told they could do nothing for me and my money would be sent out in a check to my home, at this point I do n't know who to reach at this point and everyone has continuously transferred me to the account risk department to be told the same thing but no one as actually cared or concerned themselves to help me resolve an issue and at this point no one is giving me a chance and I 'm just being kicked out of BankOfAmerica and forced to open up an account with a new bank. I would really appreciate any help please.