davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-09
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. (SC)

My mortgage was recently transferred to a new servicer XXXX XXXX XXXX and bought by a new lender. My mortgage was modified in XX/XX/2015 with XXXX XXXX XXXX and the terms of my payment changed to 480 months. Shortly after it was transferred to XXXX XXXX XXXX XXXX and terms were reported correctly.The new servicer XXXX XXXX XXXX  is reporting the terms at 648 months. I called to inform them that it should be 480 months not 648 months. I was told that it is being reported correctly at 648 months. I will include my modification agreement.
Consumer complaint received 2018-11-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IN)

XX/XX/2018 : I submitted account inquiry to know about the details of minimum balance requirements and procedure to terminate my account and withdraw all my money, so that I do not incur fee for low balance. 

XX/XX/2018 : I checked Chase secure messages to take action but my account was already closed and I had lost all my transaction history and remaining balance. 

XX/XX/2018 : An undelivered check resulted in a debit to my account but I lost the funds because Chase had already closed my account. 

I sent request to transfer money electronically to my husband 's account and the bank refused and asked me to go to physical bank location to resolve it. 

I had submitted inquiry for closing the account so that I could take the necessary action and I did not get enough time to decide where and how do I want to withdraw my balance. 

I'm traveling and can not deal with physical checks or go to physical bank location. I do not have USA phone number to communicate with the bank.
Consumer complaint received 2019-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: GOLDMAN SACHS BANK USA (MN)

On XX/XX/XXXX, I applied for the XXXX Card from Goldman Sachs Bank, XXXX XXXX XXXX Branch.  After getting an identity verification error, I contacted Goldman Sachs Bank and was told that I need to keep trying the application as there is no limit to the number of times I can retry. I was able to get to the part where I have to scan my drivers license and they were having issues with certain states drivers licenses. I followed the directions from the representative and kept retrying the application. After the 5th retry, I began getting a message that I had applied multiple times and they were unable to verify my identity. After multiple calls and speaking with multiple agents on XX/XX/XXXX, XXXX and a manager around the XXXX, the company informed me that they had no resolution process in place for customers whos IDs were triggering issues with their scanning mechanism. This is unacceptable for a large bank to not have a manual verification process in cases where there is a clear and acknowledged system issue.
Consumer complaint received 2022-08-02
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$8800.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX Balance XXXX {$4300.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX Balance : {$8500.00} XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : $ XXXX XXXXXXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX  XXXX XXXX Balance : {$380.00} XXXX XXXX Balance XXXX {$0.00}
Consumer complaint received 2020-08-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TCF NATIONAL BANK (MA)

TCF National Bank allowed an account to be opened by an individual who stole my identity. TCF National Banks address is XXXX XXXX XXXX, XXXX, Michigan XXXX & their phone number is ( XXXX ) XXXX. TCF has sent the account to collections. I received no notifications about the fraudulent account being past due because the individual who stole my identity used an incorrect address to open the account. I attempted to notify TCF of this fraudulent account multiple times via phone & e-mail, dating back to XX/XX/2020. The employees Ive spoken to on the phone have provided no resolution. I have provided several documents via certified mail to prove I am the victim of identity theft & that I had no awareness of an account being opened in my name, but TCF refuses to acknowledge my claim & the provided documentation. Documentation includes a police report filed XX/XX/2020 & a report filed with the Federal Trade Commission on XX/XX/2020. TCF is still actively looking to collect on this fraudulent account & has done nothing to hold the individual responsible for stealing my identity accountable.
Consumer complaint received 2019-09-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (TX)

I called on XX/XX/XXXX saying that my work had sent a direct deposit with the wrong deposit numbers. After 45 mins and talking to an acxount supervisor ( XXXX? ) that said she " spoke to the ach department and was told that I had to wait until Tuesday XX/XX/XXXX for my money to be available. '' While on the phone with customer service got laughed at 2 times .... supervisor was fine tho ... 

Called on XX/XX/XXXX speaking to a guy who put me on hold for an hour saying he was waiting in que to " talk to an account supervisor '' never got to one and confirmed the money sent to an inactive account .... 

XX/XX/XXXX called and was talked over the entire time. Asked to be transfered to a supervisor. Got transfered to a " supervisor '' named XXXX. XXXX put me on hold for 3 mins saying " let me call the ach team '' she came back and said you will just have to wait till end of buisness today and it probably wont go to my account and will just reject. After saying this makes no sense and why did you wait to tell me 5 days later .... what they are saying. The admitted the ACH team isnt even taking calls yet are not open ... .. then who was everyone wasting my time " talking '' too? 

It seems as tho this is a case of no supervisors and just customer service reps who dont care who trasfer you around to other customer service reps that also know nothing? 

This is disgusting from a customer service stand point and from a banking standpoint. This check is only XXXX ... ..my sons birthday is in 3 days and now im struggling with presents. Banks just dont care at all.
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (VA)

A short sale was negotiated between my lawyer and Loan Care servicing center for the following property : XXXX XXXX XXXX XXXX XXXX, FL XXXX The short sale was approved and final closing occurred on XX/XX/XXXX and XXXX, 2019. 

I signed on the XXXX at the Title Company office and the buyer signed the following day. 

The total amount owed on the property was approximately {$110000.00} and a sale was negotiated for approximately {$85000.00} The Title Company confirmed that the negotiated amount was sent. 

A property search clearly shows that the buyer is the owner. 

Loan Care keeps reporting to XXXX that I owe a balance of approximately {$110000.00}. 

I have disputed this at least twice, and I get no mail with no explanation. The XXXX credit report still shows this balance. 

In fact, I have not received a single piece of mail from Loan Care since the closing. 

I'm not quite sure how after over 9 months, they still consider this an open account? 

If it's open, why does the balance show {$110000.00}? 

I don't know what the XXXX  credit bureau is reporting. But it's possible that is incorrect as well. 

One of the attachments shows a screen shot of XXXX County showing a new owner. 

I mailed Loan Care FCRA compaint by mail and they never responded to it. ( attached )
Consumer complaint received 2018-11-09
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: EQUIFAX, INC. (NY)

I have contacted XXXX, equifax, and XXXX I sent documents fax and also mail letters to them I also contacted a few companies about this matter yet I still on my credit report and I would like for it to be removed.
Consumer complaint received 2019-09-03
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I had an item on a selling app and a guy sent me a check and I cashed it ... later it bounced and destroyed my chase bank account. It was for {$2500.00} and the guy got away with it and chase didnt do anything to tell me anything about my closed account and just hung the phone up on me!
Consumer complaint received 2020-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EMCC Holdings, LLC (NY)

On XX/XX/XXXX I mailed all three credit reporting agencies. Since then I received mail correspondence back from XXXX and XXXX. But XXXX has yet contacted me back. When I decided to call them and check on my credit file. A representative said. " We have no disputes on file. '' I sent letter twice after the XXXX of XXXX to all three agencies. I still have not heard from XXXX. Please demand they start their investigation.
Consumer complaint received 2020-08-07
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2019-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (IL)

I tried to file a fraud claim for fake checks deposited in my account by a scam. The US Bank Risk Department closed my checking and savings account. They said the local branch has to call and they would walk them through the procedure. I went to the XXXX, IL branch and was told by the branch manager I could not file because it was in the fraud department. They kept my last pay check and said I had to pay for the fake checks.
Consumer complaint received 2019-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: PNC Bank N.A. (OH)

I have contacted PNC consumer services department on XX/XX/XXXX and XX/XX/2019. To apply for their temporary Payment program and or permanant payment program. To lower my interest rate and payment on my PNC credit card and personal loan with the bank. The PNC.com/options website does not let me logon either. I am going through a financial hardship and can not make any payment arrangements. My PNC visa monthly payments are about {$150.00} and about {$100.00} of this payment is interest I am trying to pay down the balance. My personal loan payment is about {$120.00} per month I want to lower the interest rate and payment amount.
Consumer complaint received 2021-06-25
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made.

XXXX Potentially negative Date openedXXXX Balance {$1.00} StatusOpen. 
XXXX XXXX XXXX Potentially negative Date openedXXXX Balance- StatusPaid, Closed. 
XXXX XXXX  XXXX XXXX XXXX Potentially negative Date openedXXXX Balance {$470.00} StatusCollection account. {$470.00} past due as of XX/XX/XXXX. 
CHILD SUPPORT ENFORCEMENT Potentially negative Date openedXXXX Balance- StatusPaid, Closed. 

The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2022-08-02
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. (PA)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Experian about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely frommy Credit Reports : XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1400.00}
Consumer complaint received 2020-08-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I applied for a refinance with Wells FArgo XXXX XXXX. I provided all the required information and uploaded to the secure Wells site. An XXXX XXXX requested additional information on my partners start up business which I do not have and XXXX said I do not need, multiple times. XXXX staed that XXXX XXXX {$290.00} in income would not need to be disclosed due to my assets and XXXX plus revenues generated YTD in addition to the large escrow amount accumulated.Since XX/XX/XXXX I have left 9 emails and or messages with XXXX without one return call or email from her. I contacted her manager XXXX who said I need to speak with XXXX although she is XXXX XXXX  supervisor. XXXX claims that due to Covid the rules have changed and that I should not listen to XXXX. I am the CUSTOMER and was directed to supply information by a Wells employee that I should not listen too????? XXXX claims refinance is dead in water and he would escalate to Executive Office. I received a call yesterday from XXXX at EO and he said would look into everything and send me his contact information. Contact information never received! XXXX calls me at XXXX last night to tell me she was in XXXX XXXX with her daughter and that is why she never called back when she said she would. XXXX also said she was mistaken and did not know the rules changed, additionally stating just make up the numbers. Seriously!!!!!! I received a call today from XXXX at EO after I sent many messages to XXXX asking what is XXXX contact information. XXXX states XXXX no longer handing now an XXXX at EO is in charge.Wells continues to mislead customers in ways that are unacceptable and cost resistant. If customers are not to listen and trust Wells employees with sensitive information than they should not be speaking to customers. This entire process has been misleading and misrepresented the entire journey. The number of hours I spent trying to contact Wells employees has been detrimental to my health and XXXX revenue.
Consumer complaint received 2020-08-07
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. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name {$480.00} XXXX XXXX {$180.00}
Consumer complaint received 2022-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the account completely from my Credit Reports : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1400.00}
Consumer complaint received 2020-08-07
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. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX  XXXX {$78.00} XXXX XXXX XXXX  XXXX {$13000.00} XXXX   XXXX XXXX {$100.00} XXXX XXXX
Consumer complaint received 2022-08-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (PA)

Hello. Sir I met XXXX at XXXX XXXX. HE XXXX  me to do XXXX so I transfer {$200000.00} to XXXX. on XXXX I didn't know about this so just follow him. 
He made me transfer all XXXX to XXXX XXXX on XXXX I did two times betting and he refer me VIP promotion. And they sent me message make XXXX until XXXX. 
He asked me XXXX and he will help me the rest of them. 
He sent me already XXXX. 
But I doubt I got scam at that time. I know it is stupid. 
I saw his picture from XXXX XXXX And same picture from XXXX XXXX XXXX. And picture person is XXXX XXXX XXXXXXXX XXXX post with his picture. Someone used his picture for scam. If mentioned investment, XXXX and XXXX, that is not him. 

XXXX still is working on getting more money from me. 
Now I pretend to be sick from XXXX. 
I don't know what to do. Connect with him to find or disconnect. 
Advise for me. 
I reported at XXXX and XXXX. 
They said if Authorities assistance contact them, they help them XXXX is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Can you help me? I hope no more victim. 
Help me please. Anytime contact me please. 
Thanks for spending time. 

XXXX XXXX.