davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc. (MI)

When XXXX Started the company that I worked for had shut down for a few months and my girlfriend and I also both ended up with XXXX. After being off work for a couple months I called the mortgage company ( XXXX Mortgage at the time ) and asked if there was anything I could do because I was going to fall behind. They informed me of a government sponsored assistance program and I could skip XXXX months payments and they would be added to the back end of my loan with no effect to my credit. They then began reporting my payments late immediately and then, sold my loan to BSI XXXX XXXX XXXX found the error, reached out to me and corrected the issue. They never did however pass the forbearance info onto the new lender. BSI then offered another forbearance program, made a signed agreement with me and then, proceeded to report every mortgage payment since then late. I have made many calls, sent letters, begged for calls back .... nothing. no response at all other than to leave me messages multiple times that everything was reported accurate and on time. Clearly with XXXX investigation. When I speak to the account reps on the phone. They tell me they can see I have made every payment as agreed and on time. However, my credit reports have been reporting me as 180 days late and in foreclosure for months. I signed a new agreement with them XXXX months ago and they still haven't updated their system which continues to send me foreclosure letters and robo dialer calls. My payment amount has changed and each month I make a payment I have to explain to the representative how to find my correct amount. I have made every payment on time, I am not in foreclosure, I have not been late and the reps tell me the screen shows on time the entire time I have been with them. This is humiliating, It has destroyed my credit, I cant even get a loan for a car, I have no car. They could care less about my concern, wont correct it, wont call me back, wont look into it. They need to correct this now! I am owed an apology and compensation for what they put me through for over a year and absolutely destroying my credit, personal, life, and ability to work and get to work. They need to correct my credit file, apologize, and waive the balance of my mortgage for what they have done to me. ALL MY PAYMENTS WERE PAID AS AGREED!!! This is fraud!! Please help me clear this up so I can get back to what my life wad before BSI ruined it. 

XXXX Still wont communicate with the new lender and inform them of the previous agreement recently was told BSI is about to sell my loan again so, The next company probably wont know what going on either My information in the computer system needs to be updated ... .ITS BEEN XXXX MONTHS. 

ITS BEEN A YEAR THEYVE BOTH BEEN DESTROYING MY LIFE AND CREDIT. THIS IS FRAUD!
Consumer complaint received 2022-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I need clarification as to why you are reporting certain information on my credit report. Please review the following XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX balance {$270.00} High credit is lower than balance, delete for inaccurate reporting.
Consumer complaint received 2022-05-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ACIMA CREDIT, LLC (NC)

Multiple Dispute Letters sent XX/XX/2022 to XX/XX/2022 Last Response From Acima Received XXXX/XXXX/202 By law I XXXX XXXX the consumer, sent XXXX notices to XXXX by mail about the inaccuracy of the accounts below. XXXX was given the opportunity to correct and produce all general disclosures required by law XXXX. In response XXXX responded to correct errors on the account, however Acima has failed to provide any disclosures 15 U.S. Code 1638. Disclosures are in fact a part of the accuracy of each account. Acima policy to report the consumers non public information is only applicable if all the disclosure requirements have been met by law. XXXX has reported my non public information to non affliated thrid parties without consumers consent 15 USC 6802. Acima failed to comply with requirements of the laws above that fall under Contract Law, State Law, Federal Trade Commission, and Consumer Financial Protection Bureau. 

ACCOUNTS : XXXX Alleged Balance {$770.00} 15 months negative reporting Total {$890.00} XXXX Alleged Balance {$800.00} 15 months negative reporting Total {$1100.00}
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability
Consumer complaint received 2022-04-25
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

I called the CFPB twice to verify my information as per my last complaint and I was told that I need to resubmit my complaint because it was 'closed '. Not sure why this is the case but I am resubmitting my complaint now : Commencing on or about XX/XX/2021. I fell victim to a multilayered scam operation orchestrated by XXXX XXXX / XXXX ( the Scammers ), XXXX : XXXX XXXX ( the Scam Company ), all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire, and through an intermediary named XXXX XXXX, XXXX XXXX, and XXXX XXXX in the total amount of {$20000.00} USD utilizing JP Morgan Chase services.
Consumer complaint received 2022-05-13
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: EQUIFAX, INC. (CO)

In accordance with the Fair Credit Reporting act XXXX XXXX, has 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 I did not authorize the credit inquiry.
Consumer complaint received 2022-05-13
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. (NC)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2018-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP (GA)

XX/XX/XXXX, I was sent a copy of change of terms letter -dated XX/XX/XXXX, from us bank concerning XXXX change, from XXXX XXXX rewards visa credit card to XXXX XXXX world MasterCard , which stated the new card would be received between mid-XX/XX/XXXX and XX/XX/XXXX, by me.letter stated that my old Visa card would deactivated 60 days after my old card is issued or 30 days after I activated my MasterCard.i never was sent my new XXXX XXXX MasterCard by late XX/XX/XXXX.my XXXX XXXX Visa card was carelessly deactivated by us bank-XXXX, at least.late XX/XX/XXXX.i could not make purchases and my automatic payments were  found to be rejected, in late XX/XX/XXXX and XX/XX/XXXX and probably XX/XX/XXXX.us bank and XXXXboth lied on change of terms letter, because I finally called us bank to ask why my card would function, then I was told by a representative that my XXXX XXXXXXXX   Visa card had been deactivated, even though I had not received my new XXXX XXXX MasterCard by XX/XX/XXXX - XX/XX/XXXX.i had to request a new XXXX XXXX MasterCard in XX/XX/XXXX,  but advertisement latter that the new card arrived withinhad XX/XX/XXXX marked on bottom of letter.us bank representative falsely told me that I would receive two XXXX XXXX rewards cards in mail, but I only received the XXXX XXXX MasterCard from XX/XX/XXXX requested order, which means no new MasterCard was sent to me, in XX/XX/XXXX-XX/XX/XXXXas stated on XX/XX/XXXX letter.i had no new MasterCard to issued, at time of XX/XX/XXXX nor did I posses a new MasterCard to activate 30 days before  deactivation.therefore, my automatic payments were being rejected, changed, etc. and could not make purchases with my deactivated XXXX XXXX card.after, activated my XXXX XXXX MasterCard in mid to late XX/XX/XXXX, then all my automatic payments obligations needed to charge double for my needed insurance and health care discountaccounts, therefore, all three automatic payments overdrew my new XXXX XXXXXXXX MasterCard. Why did us bank and XXXX abuse me, in this way?
Consumer complaint received 2018-08-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

On Friday, XX/XX/18, I agreed to pay a sneaker vendor named XXXX on XXXX {$170.00} for a pair of sneakers, namely the XXXX XXXX XXXX XXXX mens size XXXX. He instructed me to download the XXXX phone app and pay him via XXXX, which would transfer money from my bank account directly into his bank account. His name is XXXX XXXX, and his phone number is XXXX. This was the personal information he provided to me to submit the payment to him. My XXXX transaction number is XXXX, completed on XX/XX/18. Minutes later, XXXX XXXX confirmed receipt of the payment and said that he would mail the sneakers to me. The following day XX/XX/18, he still had not shipped, so I asked him for a tracking number. He said he would ship on Monday, XX/XX/18. On Monday, I asked him for the tracking number, and he said he needed me to pay him again, for the same amount, in order to ship. I refused to pay him again and asked him to refund my initial payment if he was not going to ship the shoes to me. He has not responded ever since then, and appears to have closed his XXXX account. From his information on XXXX, he appears to have a storefront in XXXX, PA, named XXXX XXXX.
Consumer complaint received 2018-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (MD)

Complaint for illegally disburse {$120.00} on XX/XX/2018 On XX/XX/2018 I filed a claim with Wells Fargo bank stating that I totally disagree to pay {$120.00} from my checking account before this payment posted on my account on XX/XX/2018. The claim number is # XXXX. On XX/XX/2018 after I have spoken with Wells Fargo Claims Department staff named XXXX ( refused to disclose her last name and ID number per my request ). This staff told me that claim has been closed. I told her that its totally against my will to close this claim because I never agree to pay this {$120.00} with merchant. I never had any agreement with this merchant. Actually I am absolutely enemy with this merchant - State of Maryland XXXX XXXX 's county who brought me all kinds of life damages, losses, trauma, pain, suffering in the past 8 years. I have sued numerous time lawsuit against this merchant to the U.S. District Court. During the conversation with the staff named " XXXX '', I said the reasons I am asking {$120.00} to be back due to following reasons : 1. I qualify fee waiver because currently I am receiving Federal Means Tested Public Benefits such as Medicaid etc. ( see attachment ). 2. I am extremely NOT satisfied with Merchant 's service because they filed wrongful lawsuit to damage myself and my property. 3. The merchant made mistake and error by repeatedly making false judgment. 4. XXXX XXXX and XXXX XXXX XXXX county should responsible for this {$120.00} because they are the party who caused this expense. 5.  The merchant brought me severe harm, damages, losses, trauma, pain, suffering by demolishing my home, illegally sold my property, ruin my dignity,. damage my health, steal my bank accounts, steal my personal belongings, vandalize my vehicle etc. For such type of criminal activities happened for 8 years caused by the merchant, I can not convince myself to pay this {$120.00}. 6. The merchant forced me to pay {$120.00} by stating that " if you do not pay {$120.00}, I will cancel your Appeal ''. 7. According to the federal and State law, I am qualify for the Fee Waiver because United States owe me at least {$210.00} per day plus all other damages, losses, pain, suffering the State, local agencies owed me total {$3000.00} XXXX @ 20 % interest. 8. I also told this staff that I filed a complaint against the judge who repeatedly making false judgment. I can not use my money to cover your fault. Finally I told this staff that the bank still owe me {$1500.00} promotional bonus for both my personal and business checking account which I reported in the past. See previous complaint. AT THIS TIME, I AM ASKING TOTAL {$3000.00} XXXX WITH 20 % INTEREST FOR ALL MY DAMAGES, LOSSES, TRAUMA, PAIN, SUFFERING THE STATE OF MARYLAND AND STATE OF CALIFORNIA PLUS SOME OTHER STATES BROUGHT TO MY WHOLE LIFE. SEE ATTACHMENT.
Consumer complaint received 2022-05-13
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act 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  has 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
Consumer complaint received 2022-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

I deposited a check on XX/XX/XXXX and after the 3 to 5 day hold, Citibanks fraud department had put a block on my whole account, but the issue that I had with that was that I ended up having to call them to find out that there was even an issue with the check that was deposited. so now with my whole account frozen I have to borrow and inconvenience others to get needs and things done all weekend. 
the following monday I literally spent at least XXXX hours trying to get someone to help resolve the issue, but everyone seemly has the I cant do anything attitude. it took hours to get anyone on a phone and almost as long to attempt a solution. so after driving all the way to a branch to verify my address and the check deposited, and then waiting for hours again to get someone on a phone again, as instructed, just to be told no still. apparently the previous agent neglected to do a step or two on their end and now I have to be inconvenienced for yet another day. now I have people calling and payments bouncing all at a time in which I am trying to repair my credit, how do you think thats going to look when applying for any loan, let alone a home loan I suggested they could have simply extended the hold on the check deposited until they received what information was needed to proceed with the processing of the check but they instilled to freeze the whole account, thus putting myself in what looks like another financial burden. all this time not one supervisor nor manager was able to be reached to help with anything they seemingly acted as if they didnt care or as if it wasnt even a bother for them to upset a clients plans or financial situation I almost forgot to mention that the check on deposit is drawn on their bank by another Citibank client, so they have all the information they required
Consumer complaint received 2018-08-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I opened a Checking account with Chase on Saturday, XX/XX/2018. I made a deposit of {$720.00} to open the account. I made a withdraw the same day of {$700.00} left only what was neede to open the account. XX/XX/2018 a deposit from XXXX XXXX account was posted {$310.00}. On XX/XX/2018 My account was closed due to the bank not being able to keep an account opened for me. At this point there is {$340.00} in the now closed bank account. I contacted the bank XX/XX/2018 to find out what was going on, they explained that the account was closed and that they will send a check 7 to 10 days from when the account was closed or approved for closure. Thursday XX/XX/2018 a check in the amount of {$25.00} came in the mail. I contacted Chase and asked about the {$310.00}? they then explained that they needed to verify the money was mine and then they will release a new check. I walked in to the bank Monday XX/XX/2018 to verify the money was mine. They said it is verified and now they will need to send a check. It is now XX/XX/2018 and I still have not received the {$310.00}. I called the bank several times and they say the money is approved, they just need to send the check, and that I will get a check when they get to it. No letters or emails where ever sent to me to let me know what was going on. I cant log on to my online account to see any statements or letters. Now my XXXX XXXX XXXX is going to be cut for lack of payment due to all of this.
Consumer complaint received 2022-06-28
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. (TN)

I informed Experian that I did not give written permission for the inquiries on my credit report & asked them to investigate & provide me with documents with my signature. They were unable to do that.
Consumer complaint received 2017-12-22
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. (MI)

I am a father of XXXX little girls ( not as little as I hoped they would stay : ), I own or run 4 XXXX XXXX and between my XXXX and personal finances have about 20 different accounts to pay each month not including my 30 plus employees, numerous  vendors and services. I am old fashioned when it comes to organization of my bills. Meaning, I rely on statements via USPS. All my accounts are set up to mail me statements or invoices. 

XXXX/ 2015 XXXX reported me 30 days late, I am disputing the 30 day late reporting as inaccurate and requesting it be properly updated. I have had this account for nearly 5 years and always paid timely. I have all my statements mailed to me because this is what I use as my reminder. 
However, somehow when I set up my online account or responded to a citibank email. My account statement option was switched to paperless, i did not knowingly do this. 

I called XXXX earlier this year, they confirmed the paperless option was recently opted into. I had them opt me back out and thought the late payment reporting was being removed, It has not. 
Could you please remove that late payment from my credit reports.
Consumer complaint received 2022-04-25
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. (FL)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has 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
Consumer complaint received 2022-05-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION (IN)

My current loan has a payment plan of {$190.00}. I contact Sallie Mae to reduce my monthly payments because my husband was in a XXXX XXXX XXXX XXXX  and we are trying to get our finances back on track after his recovery. I have explained my situation to Sallie Mae and they would not assist me in reducing my monthly payment because they feel that my current checking account and savings account is sufficient enough to continue with my current repayment plan. The customer service representative I spoke to said, " You can borrow money from a family member or even get a loan because you don't have a restitution plan in place and I'm not confident you will make your monthly payments if we lower them. '' Then proceeded to tell me that I was approved to have my loan reduced to {$150.00} per month, but said that because I don't have a restitution plan she was not able to help me and that my current payment plan is manageable enough and I could use the money in my savings account. Sallie Mae 's customer service is rude, demeaning, and unsatisfactory.
Consumer complaint received 2022-05-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL (MA)

Synchrony Bank has restricted my newly opened savings account without warning or explanation. I do not have access to deposited funds. I can not spend or withdraw the money in my savings account. The account has been restricted without explanation to me. I am being told by Synchrony bank customer service that my money will not be available for 30-90 days because my account is under review and can not tell me why.