davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (GA)

My mortgage servicer, Arvest Central Mortgage, claims in its most recent statement that I owe {$4400.00} in " XXXX XXXX XXXXt - XXXX XXXX  '' taxes. After speaking with multiple people at Arvest without a resolution, I am filing this complaint. 

I contest that I do not owe these taxes, or a small fraction of them if anything. After speaking with the first Arvest Central Mortgage representative, I called the XXXX XXXX Tax Commissioner who said that I did not owe any XXXX  taxes in XXXX, and that there were no XXXX  tax bills for XXXX ( Arvest claims that the estimated {$4400.00} bill is for XXXX ). 

Looking at all the available XXXX  tax bills for the other units in my condo building, only two appear : parcel numbers XXXX and XXXX. Both owners of these parcels are XXXX XXXX XXXX XXXX XXXX XXXX. NEITHER is me. When you total both XXXX XXXX  tax bills for these two parcels, which again NEITHER ARE MINE, the total is {$4300.00}. Approximately what Arvest is claiming I owe in XXXX  taxes, when I am NOT the owner of these parcels. 

Since my unit is a single condo unit ( # XXXX XXXX in a large complex with both condo owners and renters from XXXX XXXX XXXX XXXX XXXX XXXX, I suspect Arvest has negligently applied the taxes that XXXX XXXX XXXX XXXX XXXX XXXX owes for the master parcel to me. This is grossly negligent, illegal, and predatory. 

As further proof that I owe going forward no, or perhaps very little in taxes, I have attached a photo from my closing documents showing that the prorated XXXX  fees from XX/XX/XXXX until XX/XX/XXXX were XXXX. I believe under the XXXX agreement XXXX XXXX XXXX XXXX XXXX XXXX is paying all such taxes, but if not, I clearly do not owe {$4400.00}. To assume so, as again Arvest has negligently done, my XXXX  taxes would have gone up XXXX IN XXXX YEAR. 

Frankly this error should have never occurred as I own neither parcel number that the XXXX  taxes were attributed to. Also since I received no XXXX  tax bill for XXXX why would Arvest have assumed my tax bill would be {$4300.00} in XXXX? 

It is also worth noting that this tax was " discovered '' by Arvest after I filed a complaint with the CFPB a few days prior in late XXXX. I was correct in that complaint that Arvest illegally and wrongly charged me and many other individuals an erroneous " fax fee ''. I believe Arvest 's repeated pattern in a matter of 10 days of consistent and egregious errors in regards to my account should cause the CFPB to closely investigate Arvest 's practices. It also unfortunately makes me wonder whether or not Arvest illegally tried to take revenge on me by filing the previous complaint by wrongly claiming that I owe the {$4300.00} in XXXX  taxes.
Consumer complaint received 2019-09-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent them my FTC report sand a Identity Theft affividat for two Accounts XXXX XXXX and XXXX XXXX XXXX XXXX because these accounts were accounts unauthorized by me ( fraud accounts ) and they have failed to delete them or block them, or answer my request for vaildation more than 30 days ago.
Consumer complaint received 2021-10-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I sent letters to the credit bureaus regarding inaccurate & unknown things that I have on my credit report. It's been two month today & I still can see those innacurate & unknown things on my credit report which means they didn't do anything about my problem. It is plainly stated in Section 611 ( a ) that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been 60 days today so they should be deleted immediately. Thanks.
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Once again, this is following complaints XXXX and XXXX. 
Please CFPB : stop closing this case based solely on Chase answers, as they only care for their own interest. Otherwise, what is the point to complain to CFPB? 

Ever since I found out Chase had canceled my XXXX card on XX/XX/2020, I have been trying to get a professional and fair answer from them. So far, that has been impossible. Chase keeps sending letters and lately emails asking me to call different people and extensions, which are always answer machines. 

Chase has also repeatedly ignored my request to have a XXXX speaker Executive to handle my case. 

Still, I have managed to follow their confusing instructions, under a lot of stress. So, this week they rejected my request to reopen this card, which I have always paid ( and keep paying ) on time for more than 10 years, with more than the minimal amount. How come they took such decision without considering my card XXXX history, and giving me the chance to defense myself? 

They also have called me a " delinquent '', because I took a " Consolidated Debt '' program for OTHER credit cards, which is a total legal procedure. Chase knows it very well. 

To summarize, they are damaging my credit and reputation, and have discriminated me. I am a XXXX  XXXX and XXXX  XXXX. I see DISCRIMINATION in this case. It is unacceptable that a main bank in USA year 2020 does not have XXXX   speakers Executives for clients like me. Meanwhile, all the people with whom I have talked, have mispronounced my first and last names. They could not care less. I will spread the word. 

Who is responsible for the time wasted, the stress and the humiliations? 

This is unacceptable, disrespectful and outrageous. Again, this is about card XXXX. And I wont stop my fight because I know my rights.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (NC)

I received a U.S>Bank ReliaCard in the mail on XX/XX/2020. I did not request this card, when I called I could not get a representative to talk to without divulging personnal or financial information. Was told to call back when I would give this information. I want to know how they were able to mail me this card? Is this legal?
Consumer complaint received 2020-10-15
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. (NC)

I have dispute XXXX/XXXX. 

My original loan was sold to XXXX XXXX XXXX XXXX XXXX. The problem is that I made my final payment and received an email advising mouth loan was paid off. About two months later I received a letter stating i owe a final payment to the new company. I informed them that I made the final payment to the old servicer. They basically  said, " Contact them to receive a refund ''. So, I paid XXXX and they said my account was paid off but they said I was 60 days late and denied that the account was paid off before transfer. I contacted them several times informing them that this inaccurate reporting has devastated my credit profile.

I reached out to the XXXX, Equifax, and XXXX  to inform them
of dispute and inacurrate information reported. I sent two letters to each bureaus asking for a full investigation to resolve my issue. All
three bureaus failed to verify with a real investigation, they did not provide me with any names or any real proof of investigation. I exaplained that I do not contest with eOscar. 

I am requesting that XXXX XXXX XXXX XXXX XXXX 60 day late payment be deleted from my credit profile. 

P.S. 
All of the three major Bureaus Failed to meet the 30 day deadline for investigation. 

Sincerely XXXX XXXX Address : XXXX XXXX XXXX   XXXX, NC XXXX Email : XXXX XXXX
Consumer complaint received 2019-09-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (WI)

On XXXX XXXX, 2019 I came across an individual selling concert tickets that I wanted to purchase. I used PayPal because they offer Buyer Protection in the case that you are scammed. I used the Friends and Family option because of the lower fees associated with sending the funds. I paid {$100.00}, {$100.00} to the seller and {$4.00} fee to Paypal. 

Once I sent the funds, the seller basically disappeared. They deleted their social media account we had been interacting through and stopped responding to my messages. I tried " recalling '' the funds but was unable. I did not receive the concert tickets either. 

I filed a claim online through Paypal 's site on XX/XX/XXXX/19 explaining the situation and it was denied within hours stating that this " appeared to be a normal transaction ''. I then called on XX/XX/XXXX/19 and explained the situation to a person hoping they would be able to help. They were of no help, offered no assistance and stated that it was their policy to not pursue any actions in cases like these. 

I was told that because I had utilized the Friends and Family option, that I was not protected. 

I find it beyond reprehensible that Paypal would allow scammers to utilize their services without any type of consequence.
Consumer complaint received 2024-10-28
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. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-10-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CT)

I requested a reasonable settlement offer from Wells Fargo for accounts opened in my name which I did not need or want, did not request. To date, Wells Fargo has made remedy offers which do not cover damages caused by said accounts. The remedy offers, which payment was not received, include amounts of {$3700.00} and subsequently, {$500.00}. Both amounts do not cover damages sustained to credit, ability to open accounts with other institutions. I've filled out several meditation request forms, sent in, no reasonable offer made to me. Failing to make reasonable offer and honor their prior remedy offers, I request Wells Fargo stop sending mediation request forms and provide an address to mail notice of lawsuit to. Most recently, I refused a XXXX package from Wells Fargo Mediation, tracking ID is XXXX. Package was sent to old address, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX I suspect reason for non-receipt of payments prior is due to address change, payments may have gone to old address which I no longer live at. Further, I suspect Wells Fargo sent yet another mediation request form, in which case if filled out, will be denied as with prior ones. I have refused XXXX package as again, it appears to be yet another mediation request form.
Consumer complaint received 2019-09-23
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: Experian Information Solutions Inc. (GA)

I was denied a personal loan through my bank because of bad credit I have been at my bank for over 12 years and was confused, When my credit report was pulled, I noticed several things that dld not belong there because It wasn't me. I got the police department and FTC involved. XXXX, XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-05-23
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: DISCOVER BANK ()

Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States on 2015, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, XXXX reports
Consumer complaint received 2022-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (TN)

I have a closed account with Navient that is reporting to the credit bureaus as 6 accounts with late payments for the months of XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. My latest communication with Navient was on XX/XX/XXXX, I spoke with XXXX and she verified that I only have one account with them and could not see why it was reporting 6 accounts. The account number is XXXX. The account was paid and closed on XX/XX/XXXX in the amount {$32000.00}. I have disputed the duplicate accounts with all 3 credit bureau and they have come back with accounts are correct. I have also previously spoken to a representive with Navent regarding this. The accounts have the same account umber, same late payments, and same close date. Also the accounts are showing 90 days late on XX/XX/XXXX with no late payments prior to that date. How can an account report current in XXXX and 90 days late in XXXX.
Consumer complaint received 2020-09-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

With strong consideration of the Case XXXX brought against Transworld by the CFPB in 2017 ... I am experiencing the same issue with this collection agency. 

Transworld is refusing to remove an account from my credit file. Transworld is refusing to validate this alleged debt placed on my consumer credit file. 

Recently I submitted my complaint against TSI - Transworld Systems , Inc. Transworld responded by stating that they received a payment. I am not familiar with said alleged payment as that is not validation of the alleged debt that Transworld has reported to the credit bureaus. Providing a copy of an alleged payment does not validate that I am the responsible account holder for said debt. Therefore, updating a paid is still not in accordance with the FCRA. If TSI claims to have the right to collect on and or update the status of this alleged debt on my credit file in accordance with the Fair Credit Reporting Act I am asking for FULL validation of this account via contractual documents stating and proving that I agreed to and that I am responsible for this account. There have not been any agreements baring my signature provided. Therefor, TSI has no legal right to attempt to collect a debt and or report it to my credit file. TSI is in violation of the FCRA and the FCDPA.
Consumer complaint received 2022-07-14
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. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Consumer complaint received 2020-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I sent a letter to Equifax via Certified Mail # XXXX XXXX XXXX XXXX XXXX which was received by Equifax. In that letter I requested that the following addresses and business information be deleted from my file because this information is inaccurate, outdated and most of which does not belong to me ... and again should be deleted/removed from my profile to show accurate reporting in my profile Pursuant to the Fair Credit Reporting Act 609. They have not removed this information as of yet.

Address Information to be deleted are listed below : XXXX. XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX, NC XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, NC XXXX Employment Information to be deleted is listed below : 1. XXXX XXXX
Consumer complaint received 2019-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

XXXX posted fraudulent claims on XXXX about a carb-cutting supplement. They lied, claiming their product received the highest praise from the TV show XXXX XXXX and included false articles and photos. I was presented with a pop-up web site advertising a free sample, just pay {$5.00} shipping. I figured it was worth the risk. Well, it was not. I received a fake order, package with advertisements only and then a new {$84.00} charge. I disputed the charges and reported my card lost/stolen. Chase removed the {$5.00} charge but refuses to remove the {$84.00} charge. Chase claims I signed up for a subscription. XXXX changed their web site and offer after the sale. I have not received any product or services from XXXX and I emailed them requesting a refund about a month ago. No response! CHASE fraud services told me ... and I quote " Using my credit card is as good as cash '' and " once I provide my card number to a merchant I am giving them permission to charge whatever they want '' This is absurd. Top it off, the first time I called XXXX about the dispute they knew the details immediately without research. The representative was reading the " terms and conditions '' of my order with XXXX. I asked them where they were reading this from and was told " from their web site '' I went to the web site and it required signing in before you could read the terms and conditions. It was a completely different site from what I had seen when I ordered the free sample. How could Chase have known all the details within seconds?? Because they know the scam and protecting the scammers. 
The only reason I fell for this scam, after reading every minute detail and being skeptical ... was because I trusted that if it was a scam that I could simply dispute the charge. Now I see that Chase is  protecting scammers and I can no longer expect the support or protection from credit card companies.
Consumer complaint received 2019-09-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation (MT)

I have been ill and I tried to get help from my employer to help with bills. They do not help with this and so I had gotten an offer on line from Zaco Loans. They explained that this was a pay day loan intended for short term and I understood however, the percentage rate is so high and I thought I could pay it off. I did however in order to do that I ended up getting another payday loan and then their payment is so high I ended up renewing with Zaco and now I feel like I am in this terrible circle of just trying to cover these payments and still having trouble with my regular bills. I have contacted them and they said there is nothing they can help me with.
Consumer complaint received 2020-09-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NH)

Venmo froze my account on XXXX with no authorization to do so. I had made transactions on XXXX with no issues. On XXXX I was sent {$500.00} and when I went to transfer into my bank they froze my account. They were supposed to contact me by late afternoon yesterday and I have heard nothing. They are not responding to my emails and are holding my funds
Consumer complaint received 2019-09-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Asset Acceptance sued me in 2012, however when I did not receive appropriate court documentation to be able to request validation and enter an answer with the court. Additionally, they filed a motion for foreign judgment in Florida, again without providing any documentation to the court or myself as to the nature of the law suit. Therefore I have been unable to verify if the debt is mine since 2012 and they have been awarded a default judgment against me without proving me the means to review information regarding the original complaint. I want all documents they submitted to the original courts that they used to validate the debt to be awarded a judgment.
Consumer complaint received 2019-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Greetings Consumer Financial Protection Team, Since XX/XX/XXXX to date XX/XX/XXXX, I've been aggressively trying to have old and outdated information on my ( 3 ) Credit Reports ; XXXX, XXXX  and TransUnion removed. Specifically, accounts that are 7 to 10 Years old or more  are still appearing on my ( 3 ) reports. I have filed several disputes ( see supporting documentation ) ; opened Credit Monitoring Accounts ( see supporting documentation ), All unsuccessfully. I was advised by the Federal Trade Commission to contact your agency for assistance in resolving this ongoing issue. Your assistance in regarding this issue is greatly appreciated. My contact information is : cell : XXXX ; email : XXXX. 

Healthy Regards, XXXX XXXX, XXXX