davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

hi there got a check for XXXX from XXXX XXXX XXXX  on XX/XX/2022 deposited it in my new business account with jp morgan chase bank on XX/XX/2022. the said the funds will be available on XX/XX/2022 the funds where not. i went into the back and they told me the maker of the check had to come in the chase branch ; he can not, XXXX XXXX XXXX XXXX XXXXXXXX ; chase fraud call me, then called the maker of the check, then called the XXXX XXXX XXXX ; they verified the funds but said they will have to hold the funds until XX/XX/2022. they closed my account on XX/XX/2022 and keep the money and refuse to released my funds. I have been on the phone with them for over 11 hrs trying to resolve ; their answer is the maker of the check 's phone number is not listed. so they will not release my funds. AND will keep the funds because I am unable to verify the check that was written to me. 

JPMorganChase is steeling money from its customer 's!!!!!!!!!!!!!
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

While I was in college, my dorm room was broken into and my personal information was stolen and my credit was used fruadulenty. I have file a incident report with the police and my university. Equifax has not helped me solve this issue. I am requesting the following accounts to be removed from my credit report. 


XXXX XXXX XXXX opened : XXXX XXXX, 2020 XXXX XXXX opened : XXXX XXXX, 2020
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/202XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2021-07-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

I have sent numerous Email to Nelnet regarding inaccurate reporting of a late payment, my loans was transferred over to Nelnet in XXXX of XXXX, On XXXX I called Nelnet to advise them that due to covid -19 and I'm on umemployment that I can not make payment, the representative put me on a a unemployment deferment. ON XXXX I received a notification that I have a 90 days late payment on my credit that is impossible because I was under the unemployment deferment, I wrote them a letter and also sent them proof of my phone records that I spoke to them on XX/XX/XXXX, XXXX they stated that they dont have any records noted on my account. This is unfair and unlawful against my consumer rights to make me pay for someone else negligence for not noted the account. I have attached my receipts along. I spoke with a Representative name XXXX on XX/XX/XXXX at XXXX and he stated that there is nothing he will do and that it will remain,
Consumer complaint received 2016-03-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (VA)

On XXXX/XXXX/2016 I received a letter from Convergent Outsourcing , Inc. claiming that they were collecting on behalf of XXXX XXXX , XXXX for an alleged debt of {$300.00}, but were willing to settle for {$100.00}. Concerned about identity theft I checked my XXXX account to confirm what I suspected, no charges to my account with a {$0.00} balance. This appears to be a scam purporting debt on unsuspecting victims.
Consumer complaint received 2016-06-09
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

Hello! I receive a Social Security direct deposit at Chase Bank for {$440.00} and I paid XXXX pay of {$160.00} and XXXX XXXX XXXX for {$57.00} all paid on XXXX/XXXX/2016 that left me with {$230.00}, i made a withdrawal from the ATM for a {$220.00} then that left me {$7.00} and some change, then I made a {$140.00} payment to XXXX XXXX XXXX, I knew I was going to be charged {$34.00} overdraft fee for this payment, and then I see {$34.00} overdraft fee for the {$57.00} which was paid out of my direct deposit
Consumer complaint received 2015-05-22
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: WESTERN UNION COMPANY, THE (NH)

I did a money transfer through Western Union. They charged a fee, which I knew up front and I am OK with that, well not really ( it was 7 % ), but at least I knew up front. A month later another charge shows up on my credit card. I called my card company to report fraudulent charge. The said it was n't fraud. It was their fee. They consider any transaction with any other financial institution to be a cash advance. I thought it was just another charge, as if I was out having dinner. They then informed me that was in my terms and conditions. If I knew I was going to have to pay over {$300.00} ( that 's 12 % + ) to get {$2500.00} to my son, I would either use my ATM card, have taken the chance and sent the cash over-night via XXXX for {$40.00}, or for {$300.00} I could have flown round-trip, spent some time with my son and handed the money to him.
Consumer complaint received 2016-02-06
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Midwest Service Bureau, Inc. (KS)

They continually call for me at work which I have twice called and left messages stating I am not allowed personal calls at work but have continued to receive them from the same XXXX XXXX I leave the message with. The only information I have been given is the name of the company which is Midwest service bureau. She calls and leaves messages at work for me but never has she left a message on my personal cell stating who she is or what she wants in addition to her only calling me from a blocked number.
Consumer complaint received 2022-02-28
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. (NC)

On XX/XX/2022 XXXX investigated my claim of identity theft and agreed that the reported account as a result of identity theft and that I am not responsible for this debt. They also agreed to remove this information in its entirety from all three credit reporting agencies. To date, the incorrect information has not been removed by the credit reporting agencies.
Consumer complaint received 2016-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BYL Collection Services (NH)

In XXXX, my mother, XXXX XXXX of XXXX XXXX XXXX ( XXXX . XXXX ), XXXX, XXXX, decided she wanted a medical alert system because of failing health. Since she was hard of hearing, she asked me ( her daughter ) to telephone XXXX XXXX in order to purchase the service. 
I subsequently called XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ( tel. ( XXXX ) XXXX to arrange service on behalf of my mother. During my conversation with their representative, I explained that my mother could not speak with them because of her XXXX, but she would be responsible for payment of the service. I then gave the representative my mother 's debit car number which was subsequently charged for 1 year of service in its entirety. 
My mother passed in XX/XX/XXXX. She had no estate so I notified all creditors, including XXXX XXXX, of her passing. 
Approximately 6 weeks ago, I received a notice from BYL Collection Services, LLC of XXXX. XXXX XXXX, XXXX, XXXX XXXX, ( Tel. ( XXXX ), that they were attempting to collect a debt I owed XXXX XXXX in the amount of {$390.00}. 
My husband then sent a letter to BYL asking for more information and they simply sent a letter demanding payment with no explanation of why I owed this debt. 
I feel very strongly that this is an attempt by Medical Alert to collect a phantom debt because I assisted my mother in signing up for the service and they had my name and address which I provided at the time of the transaction.
Consumer complaint received 2016-01-27
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Mid-Atlantic Consumer Services (OH)

I received XXXX dishonest calls this week from Mid Atlantic Consumer Services. The first said that they were calling about a XXXX income tax that form that I " refused to acknowledge. They clearly made it sound like they were acting on behalf of the government. 

In the second call they said they " had a form with my social security number on it '' and they were trying to send to me but it was refused. 

When I called their XXXX number it was clear that this was a debt collection service but never mentioned anything of the sort in the XXXX voice mail messages they sent me.
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ME)

I Am a natural man who has been victimized not only by the 3 major credit reporting agencies XXXX XXXX, XXXX, and Equifax through their UNAUTHORIZED and UNAPPROVED collection, storage, and selling of my personal information, but also by the criminals in the underworld who obtained my data through the XXXX Equifax data breach. I've contacted the 3 CRA 's to inform them of inaccuracies and errors on my personal consumer reports, and received only one response from XXXX XXXX which stated that they were not going to process my complaints because it didn't appear that the documents came from me. I informed them that this is exactly the kind of unlawful behavior that the FCRA was established to prevent. I'm deeply depressed and XXXX  dealing with years of negative and erroneous items in my credit files and having to fight these companies that make billions of dollars by reporting inaccurate accounts. I'm also writing to the Attorney General of Maine and the XXXX, as I have no faith in the CFPB. I've complained about these companies many times before, but they only give some form reply and the CFPB disappears. It's ridiculous. I sent letters Certified to all 3 CRA 's on XX/XX/XXXX, and received a reply from only XXXX XXXX on XX/XX/XXXX stating they didn't believe I sent them the letter, so they were doing nothing for me. That's completely unacceptable.
Consumer complaint received 2022-02-09
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC (TN)

We received the last real update on our loan modification review on XXXX. That update was a list of needed documents. We sent all requested documents on XXXX and then on XXXX. On XXXX, we spoke with XXXX and she confirmed that the documents were received and were pending review. We then spoke with someone XXXX, XXXX, XXXX, XXXX and twice on XXXX. Each follow up call, we requested for the file to be escalated to get an update. Each rep that we spoke with stated that there were no notes in the system regarding the review since XXXX. There is now a sale date for the property on XXXX. We need a response ASAP. The loss mitigation department that this lender uses is XXXX that several other mortgage servicers use. They are absolutely terrible. This issue is XXXX that is common across the board when it comes to assistance reviews. They take months and months to provide updates. They ask for documents that do not apply and that fact is clearly already shown on the documents already submitted. There are nothing but complaints for that loss mitigation company. Please get this resolved for us before the house sells!
Consumer complaint received 2016-02-18
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Risecredit, LLC (AL)

Something needs to be done about this dishonest company -- Elevate. Consumer has filed a previous complaint, but this company lies and deceives to the point where no consumer agency has figured this out. Company is reporting that I am 30 days late when the payment was due XXXX XXXX, XXXX with an extension to XXXX XXXX, XXXX -- due date every month is the XXXX with a 7-day extension option. According to a letter dated XXXX XXXX, XXXX from XXXX, XXXX is reporting a XXXX late. This is in retalitation of the complaint I have made with this agency and a state agency. Elevate is, knowingly, reporting incorrect information to XXXX in violation of Fair Credt Reporting Act. I have called Transunion several times to dispute the balance on this account, and now this bogus 30-day late.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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

Everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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. 

Here are the accts I have question about : XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX, Equifax, XXXX  In Violation of 1028a Aggravated identity theft As they never sent me the Method of verification for accounts : XXXX. XXXX : Account : 2 U S DEPT OF EDXXXX, Account Number : XXXX XXXX. XXXX : Account : US DEPT OF EDUCATIONXXXX, Account Number : XXXX and account number XXXX XXXX. Equifax : Account : Us dept of education, Balance : {$5300.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Equifax, XXXX and XXXX have also Committed identity theft On Consumer Report Along with The creditors According to the Fair Credit Reporting Act, 15 USC 1681 section 602a emphasizes the need for consumer reporting agencies to handle their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As the consumer, I assert my right to safeguard private information, supported by 15 USC 6801, which underscores the obligation of financial institutions to protect customer privacy. 

Under 15 USC 1681 section 604a ( 2 ), consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the concerned consumer. Equifax, XXXX, and the ( Furnisher of information to credit agencies ) lack my consent and written authorization for sharing this information. 

Moreover, 15 USC 6802 ( b ) ( c ) specifies that a financial institution must provide an explanation of how consumers can exercise their nondisclosure option. However, ( Furnishers of information to credit agencies ) failed to inform me of this right. 

I am Giving equifax, XXXX and XXXX a chance to set my consumer report right By Deleting all accounts in question off my consumer report I will Be charging equifax, XXXX and XXXX a XXXX dollars for each day accounts stay on my report from the date of receipt of this complaint Please rectify immediately
Consumer complaint received 2023-03-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC (TX)

I continue to have calls from someone that states they are from Aldous and I didn't know what this was until I pulled my credit report and found there was a debt collection from and Aldous and associates. 

It states it is for XXXX XXXX XXXX XXXX XXXX  XXXX I have NEVER had a membership for this company/gym. 

I have been a XXXX member for the last 20 years and can provide documentation to this point as I have children and they also participate in the XXXX. 

This account is NOT mine and I do not like being threatened by these calls from Aldous. 
I ask for this to stop, remove the fraudulent claim against me and all of my credit reports at once.
Consumer complaint received 2022-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION (PA)

I went and filled out a background check at XXXX XXXX on the XXXX XXXX in XXXX, Pa on XX/XX/XXXX and received my report that had an address in XXXX, Pa and Ive never lived there.
Consumer complaint received 2016-03-09
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (TX)

I purchased a pair of " Authentic XXXX XXXX XXXX XXXX XXXX size XXXX '' on XXXX/XXXX/16 from a seller off of PayPal. He told me to use the friends and family option which would not charge him a fee. He said he would ship within 2 days and I messaged him asking him if he shipped the shoes out or not but I get no respond. I found out that he was a scammer because I did n't know that I would n't get protected if I chose the friends and family option on PayPal which he is NOT A FRIEND OR FAMILY. I 've tried everything I could to do on PayPal and no refund. I just want my full refund, I never received my item and I know I will not receive what I paid for and the money I worked hard and earned for.
Consumer complaint received 2015-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (WA)

In XX/XX/XXXX, we closed our XXXX account via phone from XXXX and made our final payment. I even asked for documents confirming that the account was closed, which I cant recall if we received. Now a debt is appearing XX/XX/XXXX for that account that was closed 2 years prior.
Consumer complaint received 2022-02-09
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. (AZ)

I HAVE VARIOUS ACCOUNTS THAT ARE NOT FACTUAL AND REPORTED IN ACCURATELY, I WANT THESE ADDRESSED ACCORDING TO THE LETTER ENCLOSED
Consumer complaint received 2022-02-09
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: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.
Consumer complaint received 2021-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

We have had a problem with Wellsfargo since they took over Wachovia Bank XXXX of XXXX. Prior to XXXX and afterward, we have never been late with our monthly payments. Wellsfargo Collection Department sends us late Statements saying that we paid late, despite that we paid every month on or before the XXXX of the XXXX, when payment was due on the XXXX of the XXXX. Our Mortgage reached maturity on the XXXX of XX/XX/XXXX, and but the Collection Company has an account that says that we old more than {$7000.00}, when they actually owes the money to us, because they put insurance on our account when we were insured already. We reported the Insurance Fraud to the Attorney General of Georgia and Alabama in XXXX! The staff at their Insurance office in XXXX, Georgia promised to reimbursed us, but to date, they have not done so! 
We submitted a complaint to the Corporate Office President in XXXX of XXXX, which led to them closing out the Account, and stated that we had a XXXX balance, but their Collection Department ignored the balance due, and claimed that we owed their fraudulent balance! XX/XX/XXXX, we attempted to make the payment we calculated we owed, but the Wellsfargo Bank in XXXX, Alabama, stated that our Mortgage account had been closed, and wouldn't take our payment, because their systems says that we didn't owe anymore money on the account! We purchased a Cashier Check in the amount of {$2100.00}, and sent it to Wellsfargo XXXX XXXX XXXX XXXX, Georgia, but there seems to be several different Collections Agencies seeking money from us!
Consumer complaint received 2015-10-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (MA)

XXXX XXXX/Navient has called my work on more than one occasion, even after explicit written requests to not do so. The most recent infraction was XXXX/XXXX/15 at XXXX XXXX. The first explicit written request to never call my work was sent on XXXX/XXXX/15. The second explicit written request was sent on XXXX/XXXX/15. Two non-explicit requests to stop phone communication ( and communicate only in writing ) were sent between those dates on XXXX/XXXX/15 and XXXX/XXXX/15. XXXX of the XXXX letters were sent via certified US mail, so they are confirmed to have been received, as a signature was required. 

The school I attended was the University XXXX in XXXX, MA.
Consumer complaint received 2023-03-20
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: Experian Information Solutions Inc. (TX)

I feel like my letters are being ignored so I want to seek help from CFPB and Atty General about this issue because I have been contacting your company about my credit issues. I'm gon na search for other options because I know you have violated of FCRA law for not responding on time.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (MA)

im being charged at late fee of XXXX $ since XXXX of XXXX  im also be charged interest XXXX $ i have my payments on auto pay im paying XXXX $ monthly on before the due date. i called them about 2 months ago i asked why am i being charged a late fee honestly i didnt get an answer as to why. i spoke with someone this morning from customer service i explained my situation she actually laughed how unprofessional. my call was transfered i explained my situation once again i stated my concerns about late fees and interest. i was told only 2 could get reversed i stated that im making an honest effort paying XXXX $ a month. how could i be past due while im making payments? At no time was i ever contacted by phone they had the wrong contact info. i was on the phone for an hour going back and forth about my concerns nothing was fixed. this why i have contacted you to step in and help please.