davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/2023 I transfered {$20000.00} from my XXXX XXXX checking account to my Chase Military banking checking account. On XX/XX/2023 I transfer {$5000.00} from XXXX XXXX checking to my Chase Military checking account. I attempted to use my debit card and it was declined on XX/XX/2023. I went into the branch in. XXXX XXXX California and was informed that my account was frozen. I informed I needed to contact XXXX XXXX XXXX. I contacted XXXX XXXX XXXX, the representative from the fraud department told me that the transfers made from XXXX XXXX were being recalled because the check I deposited was returned. The representative stated they could not help me because the action was generated by the back office which they did not have access to. I received a letter during the month of XX/XX/2023 from Chase Bank stating my account was being investigate but I should be receiving money back. On XX/XX/2023 {$7600.00} was withdrawal from my Chase Military checking account and transfer to my XXXX XXXX checking account by Chase Bank. After the transfer {$4500.00} which was my Military retirement funds. I have made numerous calls to Chase to release my Military retirement funds with no success. It has created a hardship for me and my family. 
I spoke to a representative in the fraud department of XXXX XXXX they informed me they did not ask Chase to freeze my account. When I call Chase to resolve the issue they inform me only XXXX XXXX can unfreeze my. But XXXX XXXX stated that is not true. My complaint is by law Chase Bank can not freeze at least the last two months of Military retirement funds. The funds have been frozen for almost a year.
Consumer complaint received 2019-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: eCon Credit LP (WA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX. Is reporting on my credit report and I do not have an account with them. I called the number listed and tried to get information from the website. the phone numbers and website are both invalid.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-03-04
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. (CA)

Experian credit reporting agency refuses to put my home loan history or the existence of it on my credit report. 
My home loan has been in existence since XX/XX/XXXX, and the loan was placed in my chapter XXXX bankruptcy and when it was satisfied in XX/XX/XXXX, they wiped it off my credit report after the 7 year requirement to erase it. The home mortgage loan still has continued on to this day. And they refuse to place back on my credit report. 
Im still making my payments monthly and have never been late. 
I need help to get my loan back on my credit report
Consumer complaint received 2022-03-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

On dates, XX/XX/XXXX, and XXXX XXXX I made purchases of {$860.00} and {$1200.00}, respectively on XXXX XXXX XXXX I was given an estimate of about a month for the order to be completed and on XX/XX/XXXX, I made my first contact with the merchant to inquiry about the order. The merchant failed to respond. I then reached out again on XX/XX/XXXX, again the merchant failed to respond. Again I reached out on XX/XX/XXXX, this time the merchant responded but failed to provide an update on the order. Finally, on XX/XX/XXXX, I requested a refund from the merchant, which was approved. After two weeks on XX/XX/XXXX, I reached out to the merchant again due to issues with receiving my refund, we then agreed to escalate the issue to my bank. After that correspondence on XX/XX/XXXX, I have been dealing with my bank. On XX/XX/XXXX, I filed a dispute with Chime support for a failed refund. I spoke to an agent on the phone and explicitly stated that I received permission from my seller to accept a refund and that I had not received any goods/services. The dispute was filed and I waited until XX/XX/XXXX when I received an update that my claim was declined. I called my bank and spoke to an agent and they told me that they found in the investigation, evidence of the transaction and receipt of the goods. After hearing this, I got off the phone with them and called the original merchant, and he promised he did not do anything of the sort. I reached out to Chime for the documents they found in their investigation and was shocked to find they found no additional information, and their resolution was reached completely unfairly. On XX/XX/XXXX, I filed a complaint with XXXX XXXX XXXX against Chime, citing the wrongful handling of my dispute. I attached screenshots of my correspondences with the seller dating back to XX/XX/XXXX, but again they claimed the case was handled correctly but I could formally reopen my dispute. On XX/XX/XXXX, I moved again to reopen my dispute with Chime, but they quickly declined again on XX/XX/XXXX. Although I had additional evidence in my dispute, Chime again had no further evidence and rejected my claim with zero basis. I reached out again for the documents they used in their second investigation, but still to this day XX/XX/XXXX, they have failed to return my email.
Consumer complaint received 2019-03-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (FL)

OnXX/XX/2019I called the lender to inquire about a miscellaneous charge for {$21.00} on my XX/XX/2019 statement. The due date is on the XXXX. I pay extra towards principal every month. The company does not offer a grace period. Payments not received on the XXXX are assessed a late fee that approximates the fee in question. 

I made 2 payments that were reported on the statement in question. First payment for {$250.00} was received by the lender on XX/XX/2019. Second payment for {$240.00} posted on XX/XX/2019. On XX/XX/2019 there is a miscellaneous charge that the lender could not justify. Said they will request an audit and it will take 4 business days. 

I am current on my bill and have been for the majority of the time that I've had this account. My payment is {$420.00} and I pay at least {$500.00} per month. 

This company is a predator and were I not diligent about reviewing my bills, they would have gotten away with assessing this charge against a customer who pays as agreed.
Consumer complaint received 2021-09-08
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. (NC)

1. Please furnish a notarized, certified copy of the original contract redacting social security number to prevent identify theft and state under penalty of perjury that your client is the HOLDER IN DUE COURSE of the alleged note/contract for my own and a judges inspection should there be a trial to contest these matters. 
2. Please produce the account and general ledger statement, signed under penalty of perjury, showing the full accounting of the alleged obligation that you are now attempting to collect. 
3. Please identify, under penalty of perjury, by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 
4. Please verify under penalty of perjury, that as a debt collector, you have not purchased evidence of alleged debt and are proceeding with collection activity only in the name of the original contracting party. 
5. Please verify, under penalty of perjury, that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.
Consumer complaint received 2022-09-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Account Systems of Omaha, LLC (NE)

This company contacted me on numerous occasions to try to collect on an old debt. XXXX became very angry when I asked how old my debt was and also when I told her I refused to pay the fees of them trying to over charge my debt that was old. She was very aggressively told me we would go to court and I'll be sued. 

Back in XX/XX/2022 XXXX from the same company continuously harassed me on collecting. He made very rude judgements about me and commented on my life style and not being able to pay my bills. Was harassing me verbally and being verbally abusive. Threated I would get sued and learn my lesson when my wages get garnished. 

Not only am I having to deal with the rude debt collectors they are trying to collect on the debt of my old employer who I'm also getting harassed by because I left them at 5 years.
Consumer complaint received 2022-03-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

On XX/XX/XXXX I received an email starting there was a change in my Transunion XXXX XXXX. I processed to go to my credit report to find that someone used my name and inaccurate information putting my Excellent Transunion score to drop a XXXX points putting it in the fair score. On the report was a complaint to Transunion that I was behind XXXX payments on a loan. The lending Company known as XXXX XXXX XXXX loan someone a loan using my information stating I was behind by XXXX payments to the tune of {$3600.00}. I called Transunion on XX/XX/XXXX about the issue. They told me to call the company. I called XXXX XXXX XXXX about the issue and they told me to get a police report and send it to them. On XX/XX/XXXX I got a police report and sent it to XXXX own leasing company. After talking to a XXXX and going over all the information, the rep. Acknowledge the information was incorrect. I have freeze and fraud alerts on my third credit reporting agencies which didnt work for me. Come to find out their a company that doesnt use credit reports for a criteria to get a loan. So after XXXX missed payment they report it to Transunion which then harmed my credit standing. After not hearing anything I called XXXX XXXX XXXXXXXX on XX/XX/XXXX for a follow up. They told me they would email me everything and never did that. I want that to be removed from my credit report as they potentially could harm me if I needed a loan. It needs to be taken off immediately, not XX/XX/45 days later. Im ready to seek legal action against the company and Transunion. Can you help me?
Consumer complaint received 2024-03-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NJ)

This account has already been disputed in the past, and I have provided all necessary documentation to prove that this debt belongs to a XXXX XXXX in Virginia, not myself, XXXX XXXX XXXX of XXXX, NJ. I have submitted my ID, social security documentation information, lease, and recent hospital records to support my claim, and it has been verified that we are two different individuals with different social security numbers and DOB. 

It is imperative that you issue this collection to the correct person, as this is the second time I am having to dispute this debt. It is clear that there has been a mistake, and I should not be held accountable for a debt that is not mine. I kindly request that you cease all collection efforts regarding this debt and update your records accordingly. 

Thank you for your attention to this matter.
Consumer complaint received 2019-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

Equifax is reporting an old account on my report, via XXXX XXXX XXXX XXXX, as a charge off. This is inaccurate. This account has been closed and settled for years. I am not liable for any debt, there is no amount unsettled. I demand XXXX  XXXX XXXX XXXX provide evidence that I have not settled this account or that I am in any way still liable for any amount of money on this account. If any negative remarks are not removed from my report, I will file suit under the Fair Credit Reporting Act with both XXXX XXXX XXXX XXXX and Equifax. This is consumer harassment, and I will not stand for this kind of slander being stricken against me. I do not Owe XXXX  XXXX XXXX   XXXX a dime, and they know it, and Equifax should not be reporting this account as a Charge Off. It should be deleted entirely for this outrageous offense, but at minimum any negative remarks on it should be removed from my credit report.
Consumer complaint received 2017-10-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

PER reg cc regulations banks are required to give adequate notice on availability of funds. Capital One bank does give such information. Per reg cc it clearly states what are next day available items for deposit. Per reg cc a bank is also supposed to inform you of a hold.
Consumer complaint received 2024-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc. (NH)

When I spoke with Mr. Cooper chat support the agent told us that if you have equity more than XXXX XXXX then your PMI will be cancelled. and based on their support article we qualify for that https : //www.mrcooper.com/XXXX XXXX as well as we also qualify for XXXX XXXX  LTV, but still they have not cancelled the PMI. 
When contacted their support agent why not. 

They said XXXX XXXX LTV has to be based on current property value not the original property value so they ( mr. cooper ) must do appraisal and we should pay them {$750.00} for them to do appraisal. 

No where in the contract says that for the PMI to be automatically cancelled it is based on current property value. 

Also they said our investor XXXX XXXX requires it based on the Current property value and they sent me this artcile. XXXX XXXX XXXX no where in the articles say that it needs to be current property value. 

I reached out to their customer support and they said I should email XXXX asking for proof. 

it's been XXXX days and Mr. Cooper has not replied with proof that they have to do appraisal on our dime of {$750.00} to cancel the PMI. 

And I am filling this complain because they are just trying to get more money out of us.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: STATE FARM BANK, FSB (IL)

As of XX/XX/XXXX State Farm Bank is continuing to report an expired charge off from XX/XX/XXXX all 3 crefit bureaus that is according to Texas Civil Practices and Remedies is expired. State Farm is now complicit and continues to further the fraud due to now having knowledge of the fraud and failing to immediately remove the injurious action. I contacted State Farm today and was unsuccessful in getting the fraud corrected. The representative suggested that I do whatever I have to do to resolve this issue. I'm about to suffer a denial of a Jumbo Mortgage Application due to this fraud and subsequent failure to immediately remove the derogatory entries from my all 3 credit bureaus. My complaint stands on : Texas Civil Practices and Remedies and Finance Code.
Consumer complaint received 2022-09-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (SC)

Mr. Cooper Mortgage Company failed to pay insurance premiums to XXXX homeowners insurance from my escrow account. My home has been uninsured since XX/XX/XXXX because of their refusal to pay the premiums which caused XXXX to cancel my policy. XXXX will not issue a quote until Mr. Cooper pays the existing balance, which they state will take up to 3 days.
Consumer complaint received 2024-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (FL)

XX/XX/year> TD Bank in XXXX XXXX, Florida, XXXX I deposited {$12000.00} in checks. They told me they look like they were fraud. So they closed my accouts, but now my money. Hasn't they returned the checks to the bank? When I checked with my customers that gave me the checks. They said that the checks have cleared their account. They can not stop payment on them. So they can reissue me a check to go somewhere else. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-03-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PA)

Jefferson Capital Systems never sent my a 5 day notice notice before placing this collection on my credit report. This is a violation of the FCRA and my customer rights. If you believe you sent me the 5 day notice then produce the certified XXXX receipt with my signed signature showing I received your companies notice if not delete this account immediately.
Consumer complaint received 2021-02-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I believe this was apartment rental agreeement i was unable to comply with due to corona 19, i informed the landlord of my position, and informed them of the delay in payment, they refused to give me time, evicted me, and i was not aware of any other payments requested, i have asked for more information about this account, but i just get harrasing phone calls, but no information has been sent
Consumer complaint received 2019-03-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

After XXXX  school, I could not afford my student loan payments. Several times between XXXX and XXXX, I contacted my loan provider navient for relief. Despite informing them of my employment in public service as a XXXX XXXX, navient never informed me of income based repayment or forgiveness. Instead I was told forbearance was the only option. I was a single mother. My $ XXXX in loans have grown to over $ XXXX as a result of deferments that were presented to me as my only option. Despite having been employed as a XXXX XXXX for 14 years, and having made payments for over ten years, I still owe over $ XXXX in student loan debt. I cant even save for college for my XXXX children because I am still strapped with so much of my own student debt.
Consumer complaint received 2018-03-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (PA)

In 2015 I was going to a clinic for XXXX called XXXX XXXX XXXX XXXX XXXX XXXX, PA and they told me they accepted the insurance i had at that time. I believe the main office is located on XXXX XXXX XXXX in XXXX, PA XXXX. Soon after I started getting bills in the mail. So i talked to the reception lady up front and she told me it would be taken care of. I kept getting bills, so i questioned them again i was again told they would wipe the charges off my account since they wrongfully told me the insurance was being accepted. Soon after i quit going to the clinic. I now have 16 different accounts of {$240.00} that are in collections and is affecting my credit. I tried contacting the billing department for XXXX XXXX XXXX and there was no answer and nobody attempted to reach me back. I think this situation is completely wrong and I know of other patients that have ran into the same problem with the company. They are trying to charge me what my insurance should have paid but would not while telling me they were. I feel i was being told false information, I was told the problem was taken care of several times, and now it is affecting my credit and there is absolutely nothing i can do. The debt collection company doesnt want to hear anything about it and XXXX XXXX XXXX is such an unprofessional clinic it can not take care of a simple billing problem. The collections company is XXXX XXXX XXXX.
Consumer complaint received 2018-02-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (FL)

XX/XX/XXXX credit protection associations LP is trying to collect {$370.00} from me for a collection I do not owe. It is showing negative on my credit report. It has already been removed from XXXX  and XXXX  however for some reason XXXX is choosing to continue to keep this collection on my account.
Consumer complaint received 2021-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (IL)

Target is reporting some inconsistencies on credit report. One XXXX  they report 10 late payments, but XXXX  & XXXX only 1 late payment. All 3 credit reporting agncies should have the correct late payments on all 3 reports. There are alot of inconsistencies with that.
Consumer complaint received 2017-03-21
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (MT)

I went to XXXX to get shots. They overcharged me by doing an exam that I did not ask for. Discover Card would not reverse the charges. Also, they still have not sent me my year end summary and XX/XX/2016 statements since my wife stole them. They sure are quick about sending the bill and making up charges. They XXXX. I will never use discover again. They also charged me for a dog walker that I did not use. Their customer service sucks.