davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

The complaint is about Chase bank. I was planning to close my XXXX XXXX savings account, so I needed to transfer the funds to my Chase checking account. Through the Chase website, I set up two electronic transfers, since there is a {$25000.00} daily limit. The first transfer on XXXX processed without issue. The second transfer on XXXX was pending review, and then I received a voicemail from the Chase fraud prevention department. When I called them back, they told me that I could no longer transfer funds from my XXXX XXXXXXXX account to my Chase account via ACH. I asked for an explanation, and they refused to provide one. They said I could do a wire transfer, probably so they could collect the associated fees.
Consumer complaint received 2017-09-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (WI)

American Express is in violation of 15 U.S.C 1693 ( f ) as well as FDIC 6000 - Consumer Protection ; TITLE VI - ELECTRONIC FUND TRANSFER 908 Error Resolution based on the facts of American Express 's failure to ; conduct a good faith investigation of alleged error and mail the results of said investigation within ten business days of XX/XX/XXXX, American Express did not provide a provisional recredit of my account in lieu of those requirements within ten business days of XX/XX/XXXX, American Express failed to mail any explanation of findings within 3 business days of the good faith investigation that should 've taken place within the first 10 business days of XX/XX/XXXX ( this did not take place ), American Express failed to mail any of the documents that were used to conclude that an error did not occur on my account, American Express concluded that my account was not in error when no such conclusion could not reasonably been drawn from the evidence available to your company at the time of its investigation, American Express failed to provide the verified, certified and complete transaction history that was requested, American Express did not have a reasonable basis for believing that my account was not in error. These are all direct violations of 15 U.S.C 1693 ( f ) as well as FDIC 6000 - Consumer Protection ; TITLE VI - ELECTRONIC FUND TRANSFER 908 Error Resolution. How this all took place is I submitted two payments to them in the amount of {$3200.00} one on XX/XX/XXXX and XX/XX/XXXX, American Express stated they did n't receive the funds. I requested an audit of transaction history and investigation as to where my funds went. They have failed to even attempt to reach me or comply with the stated statute. I stated in the request for the investigation and audit that failure to comply treble damages would apply. When they failed to make any good faith efforts in complying with the statute I sent a demand letter requesting the damages in the amount of {$19000.00} in which they still have failed to even reach out or try to settle this matter.
Consumer complaint received 2024-02-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (NJ)

This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifaxs responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( XXXX ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00}, XXXX XXXX Date Opened : XXXXBalance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$62000.00}, XXXX XXXX XXXX Date Opened:XXXX Balance : {$0.00}, and XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}. Please delete immediately.
Consumer complaint received 2017-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (TX)

I filed for Chapter XXXX Bankruptcy on XX/XX/XXXX. This company has consistently changed the bankruptcy file date when ever they submit an update to the credit reporting agencies. Attached is the most recent example today where they changed it from XX/XX/XXXX to XX/XX/XXXX. This continued action by them is negatively impacting my credit score. I have tried to resolve this with them but only receive critical letters and responses that they are reporting it correctly - making me to be the one being frivolous here when I am not. The credit reporting agencies say its the creditor and the creditor says its the credit reporting agency.
Consumer complaint received 2017-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TCF NATIONAL BANK (MI)

TCF bank has failed to honor their {$250.00} bonus for meeting their requirements. 
Based on a promotional flyer I opened a TCF " Free Checking '' account on XXXX XXXX 2017. 
The promotional code of XXXX was inputted by the customer support agent. 
The requirement to direct deposit {$500.00} was met on XX/XX/XXXX, within the 60 day window permitted to meet the {$250.00} bonus requirement. 
On XX/XX/XXXX I called the TCF customer support number, XXXX to inquire why I did n't receive the bonus since the requirements were met. At first the customer support agent did n't want to honor the bonus, but then he said he would, and that it would post on XX/XX/XXXX. The bonus never posted on XX/XX/XXXX. I called up the Customer Support again on XX/XX/XXXX and this time the agent said they would do research, and get back to me in a few days with whether or not they will bother to honor the marketing promotion bonus.
Consumer complaint received 2017-09-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OH)

I have been dealing with this for three years. I have paid three different companies to help me with my mortgage. I do n't remember the name of the first agency but the owner was charged with fraud and has been doing federal time. The second company was XXXX XXXX, and the third is XXXX XXXX. My mortgage has been sold three times. It was with XXXX, sold to XXXX XXXX, sold to a XXXX XXXX XXXX, then sold and currently with Rushmore. In XXXX 2017. The representative from Rushmore supposedly told my rep from XXXX XXXX, XXXX that they were not going to consider me for a modification because I had used up all my appeals and the investors where not going to consider me for a modification because they did not like my income ( I work a full time job and I have a small business that is from my family on XXXX XXXX. ) They did not like that my XXXX XXXX did not pay every month on time. I have provided my income, bank statements, tax information, and leases over and over and over again and explanations of how I got behind. Nothing was ever good enough. They told my rep in XX/XX/XXXX that they had a sale date of XXXX XXXX, 2017, that they canceled. My representative calls me every to weeks and tells me that I am still in active foreclosure but have no sale date. The bank has never filed foreclosure paperwork. I have gotten on line and done a search. I have never gotten any certified letters of foreclosures and there is nothing in the courts. She called me today and left the same message. The only time that I have any attempted resolution was with XXXX XXXX. Who told me that XXXX XXXX offered me a modification. Of which that time I was only six months behind, from trying to get assistance. Their idea of modification was that I pay two payments a month for three months. If I could n't make the regular payment I still do n't understand where they think I could get the money for two payments a month. I want to save my home, I have just asked for a payment that is more manageable. I am in the process of selling a property to help with the back payment. NOONE WILL HELP ME. I was told by the representative with XXXX XXXX that they could go to court and force Rushmore to assist me. I have been told that I qualified for the HARP program, but am now told I do n't. I have asked XXXX at XXXX for copies of very communications they have had with the mortgage company and you will see from the attached information. She sent me back everything that I supplied to her, nothing of the communications between her and the mortgage company. PLEASE HELP ME. I DO N'T WANT TO LOOSE MY HOME. I just need assistance with the payment and getting caught up.
Consumer complaint received 2021-10-04
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

Infiniti Financial Services took {$410.00} from my bank account on XX/XX/04 after my lease was ended and will not return it for at least 21 days. they are offering no internal escalations and indicated that no one there can redeposit the funds they wrongfully took from my account until " the system automatically reconciles ''.
Consumer complaint received 2017-07-05
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Convergent Resources, Inc. (PA)

This company - XXXX XXXX - has repeatedly called me from phone # XXXX, despite my telling them that my employer has a policy prohibiting personal calls. In addition, they not only call my direct line, but they press 0 to get transferred to the operator, then ask to be transferred back to me. The operator will always ask who is calling, so the name of their company is disclosed. They also never leave a message on my voice mail, requesting to be called back, they simply repeatedly call and call. <P/>I have also visited their website and submitted two separate DO NOT CALL forms, asking them to stop calling me, with no success. <P/>Called me at work : X/XX/17 @ XXXX XXXX & XXXX XXXX -- at XXXX I asked them not to contact me at work X/XX/17 @ XXXX XXXX X/XX/17 @ XXXX XXXX, XXXX XXXX, XXXX XXXX X/XX/17 @ XXXX XXXX X/XX/17 @ XXXX XXXX - asked them to no longer contact me at all X/X/17 @ XXXX XXXX
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I call transunion try to resolve an issue with my credit report and credit inquiry 's that I do not knowledge. The customer service was horrible I was getting cut off all the time when I wanted to ask or talk to the representive I after verifying my identity he instantly responded that he ca n't remove any inquiry 's or the collection on my report that I have not authorized. In addition the customer service did not want to help remove the inquiry 's and collection account
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY (CA)

Opened a Checking account because a {$300.00} bonus was offered. Met all the terms that were advertised. When the qualification period ended, the initial deposit requirement had somehow gone up from {$500.00} to {$1000.00}. I was told that I wouldnt receive the bonus because my initial deposit did not meet the requirements. 
I would not have opened an account if it werent for the deceiving bait and switch offer.
Consumer complaint received 2023-01-09
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. (WI)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX have ALL violated my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-09-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (IL)

Purchased a home with an FHA mortgage and a XXXX XXXX Homestyle Renovation loan. I am seeking to terminate the Renovation loan and have the loan balance applied to the principal balance of my mortgage and the company refuses to terminate the loan. Originally held by XXXX XXXX, the mortgage or renovation loan portion of the mortgage is currently administered by HomeBridge Financial Services.
HomeBridge had indicated that if I did not re-apply for an extension of the loan, the loan would be terminated. I did not apply for an extension, but they did not terminate the loan. 

I contacted HomeBridge and demanded the termination of the loan. HomeBridge has refused to terminate the loan. 

HomeBridge demanded an appraisal of the property, which I consented to, and an appraisal was conducted on XX/XX/XXXX. 

I have made numerous, almost daily, requests for a copy of the appraisal, and have always been told by several individuals at HomeBridge that they do n't have a copy of the appraisal and have never received a copy of the appraisal. I contacted the company that conducted the appraisal and they related the following : the appraisal was tendered to HomeBridge on XX/XX/XXXX ;  on XX/XX/XXXX, HomeBridge requested modifications to the appraisal ; on XX/XX/XXXX, a modified appraisal was tendered to HomeBridge. The appraisal company had also sent copies of the appraisal to a company called XXXX XXXX on XX/XX/XXXX. Representatives of XXXX XXXX informed me that they too sent a copy of the appriasal to HomeBridge on XX/XX/XXXX. The last time I contacted HomeBridge demanding a copy of the appraisal was XX/XX/XXXX. The HomeBridge representative at that time told me that HomeBridge never received a copy of the appraisal. 

I have requested the termination of my renovation loan, HomeBridge refuses. 
I have requested a copy of the original appraisal conducted on my property, HomeBridge has actively misrepresented to me that they never received an appraisal when in fact they received several copies of the appriasal and requested modifications to same ; I have requested a copy of the modified appraisal conducted on my property, again HomeBridge consistently states they never received a copy ; HomeBridge fails and refuses to respond to requests for information ; HomeBridge fails and refuses to produce information regarding my loan ; HomeBridge representatives have consistently given me divergent and conflicting information regarding my loan and the process for the termination of my loan. 

For more than one month I have been attempting to work this out with the company. Again, the company, rather than addressing the issue, either ignores me or lies to me.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2017-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

When moving out of my apartment, I received the attached move out form showing nothing was owed. The collection in discussion was filed mistakenly for breaking my lease early which I did not. Also attached is a handwritten letter from the property manager stating this was their mistake as well. I have been waiting for weeks now trying to get a more formal letter so that this can be corrected but they are no longer taking my calls.
Consumer complaint received 2020-08-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This account was open by an unknown person has has stolen my documentations.in 2013 my wallet got missing in a bus.in the missing wallet was my XXXX XXXX, social security card, drivers license, XXXX   id and my bank debit cards.i reported the missing documentations to the police and a police reports was issued.i mailed copy to the bank of America several times.i also followed up with calls but they refused to removed the item from my account.and this is affecting my credit report.
Consumer complaint received 2017-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NY)

I had my transmission go out on my car and could n't afford to get it fixed so i cancelled my insurance since the vehicle was XXXX XXXX able. The insurance company did n't record me cancelling my services on the phone call or refused to correct their mistake and are attempting to collect a debt that never should have been a debt to begin with by selling the debt to a collection company.
Consumer complaint received 2024-03-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (NV)

Pro Collect attempts to collect on debit. Id theft Violation of Federal Law. Debit not mine. Pro Collect keeps read inserting that not old violation of federal law. 

Pro Collect {$1200.00} XX/XX/year>XXXX XXXX
Consumer complaint received 2020-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

YOUR COMPLAINT There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from XXXX/XXXX. I cant say this more emphatically, I have never had a XXXX/XXXX  account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP
Consumer complaint received 2017-09-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital one has listed 2 ccrd account in the amount of {$2200.00} twice, reporting from XXXX. Only one account should be reporting, Please have them remove this erroneous, from my XXXX credit report.