davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
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. (FL)

These fraud accounts are not mine XXXXXXXX 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 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MN)

I signed up for a checking account with US bank about four months ago.

$ 5000 monthly limit for external transfers, {$1000.00} daily trasnaciton limit. I am unable to make external transfers out of my account and need to be able to pay rent from my ( external ) XXXX checking account. US Bank won't let me withdraw my money to the XXXX account. 

When transferring, I get a message saying " The transfer amount you have entered exceeds the daily limit for XXXX XXXX XXXX XXXX. '' But I am not over the limit, which is $ 5000 monthly and {$1000.00} daily. 

I called the bank customer service line four times and they were unable to resolve my issue. First I was told the limit would not be raised, and that I could only do {$1000.00} a day. I bregrudingly accepted that and resolved to send {$1000.00} a day. The first {$1000.00} transfer was successful, and received in my external account, but I've been locked out of being able to make transfers since then when I sent that transfer request on XX/XX/XXXX. I cant even transfer in XXXX segments. After calling three times and the issue not being resolved, I filed a complaint and let the bank know on XX/XX/XXXX that a complaint has been made.
Consumer complaint received 2021-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I opened a chase account Monday XX/XX/21, I received my card XX/XX/21. I tried making a deposit in the chase atm on XX/XX/21 in the amount of {$2800.00}. The atm took my money, did not confirm the transaction and then returned a receipt with a telephone number to confirm my deposit went through. My account does not reflect the transaction, nor am I capable of talking to a representative due to its Sunday. This service is beyond terrible and unfair to the costumer who is in need of access to the money. It was cash, so there would be no need for clearance as it would for a check.
Consumer complaint received 2021-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sentry Credit, Inc. (FL)

I am a victim of identity theft. I recently learned that my personal information was used to open an account or lease a property with your company or the company you represent. I did not open or authorize this account or lease, and I therefore request that it be closed immediately. I also request that Sentry Credit Inc. absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2021-08-10
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. (TN)

Me and my son were lied to by XXXX XXXX back in XXXX of last year we were promised for rebates for signing up for their service only one of which we received and I said spent a obscene amount of time calling and emailing and even texting the representatives to have them correct the situation which was never done in addition to being charged nearly {$250.00} a month for the two lines when I was promised that the two liens would be {$50.00} per month I even had to takeoff of work to call them because it got so ridiculous and I filed a complaint with the XXXX XXXX XXXX and I have also already previously filed a complaint with your agency before they reporting to my credit bureaus which they just recently did and they need to take that off of there if they would like to take legal action against me they are welcome to do so aside from my credit report and I would be glad to show up for that with my son as a witness. They cost so much frustration in our lives during a time and which me and my son had a positive Covid test and were quarantine to our home and I was trying to do work from home with him home when as I told XXXX when I called them me and my son both have XXXX  and also XXXX which I have recently been diagnosed on that spectrum as having as well as the ADHD diagnosis and I told them of these medical concerns at that time when their representatives were unwilling to help me and also of our medical concerns pertaining to XXXX. I do not owe them the amount of money that they are claiming that I do in fact I should not owe them any money at all for the problems that they caused in my family life as during that frustration I ended up losing my job and have still been unable to obtain employment.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CT)

Greetings, Writing in regards of dispute that has not been resolved. My daughter purchased tickets for me by accident for the concert for XXXX XXXX I called the company XXXX and explained the situation, but was told that they cant help me and wont refund the money. Hence, I proceeded with dispute with my credit card company. My request was, also, denied.I was told that they cant help me and that I need to pay the charge. 
I never rendered the services and my daughter purchased this by a mistake/ fluke. I was under impression that credit card companies protect their clients in cases like mine. I dont feel I should be paying for something that I didnt use. 

My fear is that this will be proceeded to collection agency. I always pay my bills on time and dont have any debt, hence, dont want my credit be affected.
Consumer complaint received 2023-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i am the ongoing victim of XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, bank fraud these companies were listed on my transunion credit report ( i have never heard of these, never applied, or gave my ssn, or recieved, they are all fraudulent ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX says there is a credit freeze my ssn is XXXX, i have tried to unfreeze it, it wont work, i can not access money or employment to survive
Consumer complaint received 2021-09-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (CA)

I spoke to XXXX at Fay Servicing on XX/XX/XXXX. I asked her for information about an escrow refund check that I was sent. On XX/XX/XXXX I received a check from Fay Servicing in the amount of {$10000.00} which I received on XXXX and promptly deposited into my savings account. I received a letter from my bank yesterday letting me know that this check had been " Payment Stopped '' for which I was charged {$12.00}. XXXX could not give me any information about why that check had been stopped ( I can guess it was because the mortgage had been paid off in full on XX/XX/XXXX ). XXXX said she had requested a new Escrow Analysis which should take 7-10 days. While I was on hold for 20 minutes with XXXX, I was able to open an online account with Fay Servicing and get an Escrow Analysis which was dated XX/XX/XXXX. This shows that I have a {$20000.00} balance in my escrow account that is due to me. We have been waiting almost five weeks for this check. To be clear, the account was closed on XX/XX/XXXX and we have not been given any closing information from Fay Servicing. I assumed the check for {$10000.00} was a partial reimbursement for my escrow account which then cost me {$12.00} in fees because Fay Servicing is so delayed in their processes. I am due a check for {$20000.00} according to the statements that I had to find on my own.
Consumer complaint received 2021-02-23
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: ACIMA CREDIT, LLC (MA)

ACIMA CREDIT : ACCOUNT NUMBER : XXXX IS REPORTING 60 DAYS LATE ON XX/XX/2018 AND 30 DAYS LATE XX/XX/2018. THIS ACCOUNT WAS NEVER LATE AND THE COMMENTS ON REPORTS ARE NOT ACCURATE. THIS COMPANY HAS NOT FURNISHED PROOF THAT THEIR STATEMENTS ARE CORRECT AFTER MULTIPLE ATTEMPTS
Consumer complaint received 2021-04-25
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc. (VT)

Received numerous cell phone calls to XXXX relative to a debt? Caller, XXXX # XXXX from Commenity Bank. XXXX refused to answer questions relative to debt and continues to harrass my wife. Also refused to give information about alleged debt and refused to give me an address to deal with this. I also taped the call.
Consumer complaint received 2018-04-03
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: The Outsource Group, Inc (SC)

I have applied for 2 Mortgages and I have got denied on both due to remarks on my credit report XXXX XXXX and XXXX! I had a medical collection account sold to XXXX XXXX XXXX for 2 of the medical bills I am not disputing I owed this bill I am disputing in the notes on my Credit report it states Included in Receivership and included in bankruptcy! 2 account on XXXX  and 1 on XXXX XXXX! I have spent the last 6 months disputing and re disputing and the keep coming back saying accurate! The remarks and notes are inaccurate I have never had a bankruptcy and these notes are causing my financial harm.
Consumer complaint received 2023-01-28
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: Experian Information Solutions Inc. (OR)

I have reported several time to Experian credit reporting agency and XXXX XXXX XXXX XXXX that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
This account has been reported as part of BANRUPTCY FILLING AND/OR DISCHARGE in court case XXXX XXXX XXXX  It is Required by STATE LAW that not payments should be required at any time. 

Experian credit reporting agency and XXXX XXXX XXXX XXXX have Violated the State Law and 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.by reporting in my credit file that I own Such a debt. 

XXXX XXXX creditor has communicated with the above credit bureau about this issues with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
But the XXXX XXXX XXXX Ignores the Law by negligence and continues reporting negative inaccurate information on my credit file. 

Violating my consumer rights 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX has admit that I'm a victim of identity theft I had contacted the creditor multiple times at XXXX and they agreed to remove the Account XXXX XXXX XXXX XXXX from my credit file
Consumer complaint received 2022-01-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OR)

Chase Bank XXXX. XXXX Not being able to access Online Banking Keep locking out even I have cleared security lock with representatives with Fraud Department more than several to dozens times. 

Keep cancelled wire money request to send money to my daughter with XXXX XXXX XXXX XXXX for several times 1000 dollars XXXX. XXXX. XXXX. XXXX. 
700 dollars XXXX Other canceled wire money notification by email received to XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX dollars with 20 dollars fee. XXXX XXXX several times. 
Not being able send Takes more than an hour to contact Fraud Department in XXXX and possibly an XXXX. 
takes more than 30 min. If calls fails takes another an hour plus 30 min. 
Even they unlock Online banking, it keeps locking out due to consider suspicious activity no matter what Fraud department clears. Automatically or after some one manually locks out? Even after I cleared security process. 

Personal financial information has release to foreign countries by recount my calls to overseas. 

Cost of an international calls- more than 25 dollars spend. 

Checking account I plan to move my all of the money to another bank. no future direct deposit. 

I have to move all of my money to another investments to another investment banking. 

I believe to be this is an interferences with my all of the transactions and holding my Money.
Consumer complaint received 2018-07-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NY)

1. XXXX XXXX has deferred my XXXX  school loans on four separate occasions without my permission because I was in school at XXXX University part-time, taking one course at a time. Doing so has raised my student loan interest rate by .25 percent. Prior to the faulty deferment I had a .25 reduction in my interest rate for using their direct debit service, and deferring my loans without my permission raises my interest rate again back up .25 percent. They claim that the Department of Education automatically defers my loans. I don't see how this is right or fair. 

Additionally, there is a form that I can fill out according to XXXX XXXX which will prevent this from happening. They said it would be available to my XXXX account last week so I can prevent future deferrals without my permission. I had to call about it and write to them multiple times since XX/XX/XXXX and I have still not received the form. On the latest call, they said that someone had made a mistake and asked me what my favorite color was to distract me. They eventually told me that in 24 -48 hours, after three weeks of calling, that my form would then be available. So I am still waiting. Meanwhile, my interest is higher and I am out of the direct debit option to reduce my payments. 

Lastly, I was not informed of this " form '' until the 4th time this automatic deferral has happened. 

I see this as a way XXXX XXXX can collect more money from borrowers unlawfully. 

2. A prior problem : I was on the Income Driven Repayment plan and the Public Service Loan Forgiveness Plan for the first two years of my repayment for my XXXX degree, and I can say the XXXX XXXX always took a very long time to process any paperwork, meaning my Income Driving Replayment plan status, etc., was not put in place when I requested it due to their lengthy processing time. 

I have since opted out of the Public Service Loan Forgiveness Plan due to the possibility of legislators getting rid of it, which would mean my payments would be even greater. My experience with this loan servicing provider has been terrible. I feel their negligence has cost me more money. 

Thank you for your time in reading my complaint. 

Kind regards, XXXX XXXX
Consumer complaint received 2022-01-07
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)

My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please FIX the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8800.00}
Consumer complaint received 2021-11-03
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I mailed dispute letters to experian, XXXX, and XXXX on XX/XX/21. It is now XX/XX/21 and I have yet to receive one response back. Per FCRA law, if the investigation takes over 30 days the credit bureaus are supposed to remove the disputed information. I am requesting that you enforce the 30 day rule and have experian, XXXX, and XXXX remove the accounts I disputed on XX/XX/21.
Consumer complaint received 2021-08-10
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: EQUIFAX, INC. (GA)

Hello : I would like to know why is my credit score so low on my Exqufax report vs the other 2, i have filed many complaints against this company about there reporting practices, i really don't trust the accuracy of Equifax reporting looking at the fact of how they botched so many people credit report a couple years back my credit score has never been consistent with the other two bureaus ever since I have been following my credit report my score never rises versus the other two credit bureaus is something very off with Equifax and I really don't trust them
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please FIX the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8900.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2018-07-13
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. (TX)

After reviewing my credit file I have come across information reported from Department of Education/XXXX that is incorrect. On XX/XX/XXXX I spoke with XXXX at XXXX Department of Education and was informed that all my accounts were current in the amount however an account in the amount XXXX and XXXX has never been late because it does mot exist.XXXX also stated that XXXX has not reported anything to either credit agency yet I have negative incorrect possible fraud accounts from there company listed.XXXX also informed me that it would be updated within 24 hours. On XX/XX/XXXX I spoke with XXXX and XXXX and they both informed me that these 2 account never existed however the ones that I do have are current and never been late. Yet all 3 credit reporting agencies are still reporting this inaccurate and based on XXXX and XXXX fraud info. I myself have never known about an account in the of XXXX and neither have I known of one in the amount {$6500.00} and I also know I HAVE NEVER EVER BEEN LATE ON ANY ACCOUNT THAT I MAY HAD. Please remove these accounts from my credit file immediately. As I have never ever been late on a student loan the loans I have are being paid on time and these loans do not exist or could be a result of identity theft as I have been a victim of.