davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (OH)

On XX/XX/XXXX, I received a Summons from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, SC. XXXX. The Summons was filed by XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, MI. XXXX. 

The Summons appears to be related to an unpaid balance of {$2100.00} that, although charged off, was originally owed to PayPal Credit or PayPal Credit Card by : XXXX XXXX, XXXX XXXX XXXX, XXXX TX. XXXX. I do not know any of the dates involved. 

I know nothing of this debt. I have never had a PayPal Credit Card or an account with PayPal Credit nor have I ever lived in Texas. I have lived at my current address since XXXX and have lived in XXXX XXXX, Ohio since XXXX. This appears to be some sort of mistaken identity but I know nothing else about the debt except that I am not the person who owes it. I have filed an Answer with the court stating the above. 

I received no other information prior to receipt of the Summons. Since the Summons, I received a notice from XXXX, signed by XXXX XXXX, stating IT IS SO ORDERED ( not signed by the judge ) that they may attend a PreTrial Hearing by phone. I subsequently received a true notice from XXXX XXXX Municipal Court denying the XXXX phone attendance. I have also received an Affidavit of Fraud from XXXX XXXX XXXX in which they are asking for various types of information, including a police report. However, I am not aware of any type of fraud. To me it appears that either XXXX or XXXX XXXX XXXX just found my name somewhere and sent me a Summons hoping that I would pay. However, as I have stated, I have never had a PayPay Credit Card nor an account with PayPal Credit and I have never lived in Texas. I do not see any indication that this is identity theft. I see this as an attempt to collect an unpaid debt through intimidation, hoping that I would do whatever I could to avoid court. At this point, it seems like the burden of proof has been put on me rather than XXXX, when it should have been them verifying that I am not the person they are looking for, rather than just their intimidation after finding someone with a similar name.
Consumer complaint received 2022-10-13
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Titanium Funds (CA)

On XX/XX/2022, at approximately XXXX XXXX. Pacific time, I received a call from XXXX related to an attempt to collect a debt allegedly owed by my sister. The person on the phone identified themselves as working for Titanium Funds. The call violated 15 USC 1692b, 1692c for the following reasons.

First, the caller identified her employer ( Titanium Funds ) without my " express request, '' in violation of 1692b ( 1 ).

Second, in identifying her employer, the debt collector implicitly revealed that the call related to the collection of a debt, in violation of 1692b ( 2 ), not just because the name of the company itself discloses the nature of its business, but also because Titanium Funds publicly holds itself out as a " Consumer auto lender in Utah. '' Third, the stated purpose of the call was not to collect location information. Instead, the debt collector told me she wanted me to pass a message along to my sister ( whom the debt collector identified by name ). 1692c ( b ), only allows communications with third parties for the sole purpose of collecting location information : the debtor 's usual place of abode, the debtor 's telephone at that place of abode ( i.e., a landline telephone number ), or the debtor 's place of employment. The debt collector did not ask me for any such information. She asked me to communicate a message to my sister, in violation of 1692c ( b ). 

I informed the debt collector that I understood her call was not allowed under debt collection laws and that I would not act as a middleman in delivering messages to family members. I then terminated the call.
Consumer complaint received 2023-05-23
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: EQUIFAX, INC. (CA)

I am now seeking damages with litigation since Equifax demanded the date be added to the FTC report which is another gimmick and predatory tactic to avoid penalties and delay removal. 

Under adding the inquiry there is NO way to add the day to the date. I have edited the report to manually add the date and once again I am seeking {$1000.00} per violation of FCRA XX/XX/2023 XXXX XXXX XXXXXX/XX/2023 XXXX XXXX Fraud FTC removals ASAP further delay will result in more monetary damages awarded
Consumer complaint received 2022-10-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (VA)

have received repeated calls from XXXX but my spam blocker does not allow call to ring my phone, notifying me of an incoming call. today at XXXX XXXX  I received another blocked call from the same number. I called the number back and it states that it is Transworld Systems Inc. I have no idea who exactly is calling or why. a XXXX search informed me that they are a collection agency for various clients. I have not spoken to anyone at this number at any time they have been calling.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (CT)

I have recently notified equifax that I have been the victim of identity theft I have items on my report that I have reported numerous times that should have been removed from my consumer report These items been reported inaccurately are causing sever emotional distress as well as financial setback due impart I can not obtain access to XXXX  Please remove all old address and make sure all current information is accurate Please comply with my disputes
Consumer complaint received 2023-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (MO)

I was notified by the credit bureaus in XXXX, that Source Receivables Management placed a collection on my account. My report, says the collection was opened in XXXX of XXXX. I never received a letter from this agency saying my account will go into collections! That's a violation and I'm willing to take action. If I received the letter I would have disputed these false charges. This agency says this has been in the collection for over a year with payments made and that's a lie. I have not once made any payments. This company has failed to furnish any proof of charges such as an itemized bill to show me exactly where the charges are coming from. XXXX does not allow you to port out your phone number unless your account is in good standing. ( please review the company 's policy ). XXXX also refunded me multiple times due to issues on their end. Any charges on that account do not belong to me and XXXX needs to go over that account AGAIN! Through certification, I will be sending Source Receivables Management a debt validation letter that needs to be returned within 30 days. I need itemized bills and proof a letter was sent out and that I received the letter. I have not received any letter! This agency also claimed I made a payment to the collection agency and that claim is false! I've asked XXXX for proof of charges and they have yet to send me an itemized bill. Showing an amount is not proof of charges and does not verify any debt.
Consumer complaint received 2023-12-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (FL)

Back in XXXX I faced foreclosure due to the actions of my soon to become ex-husband. I was in constant communicaton with Wells Fargo who advised me that once I got the divorce finalized that then I could go through the loan modification process, getting the house put in my name and refinancing for a new start. Then once the divorce was final they then said never mind and refused to modify the loan and started the foreclosure process. To avoid foreclosure I worked with a realtor for a short sale which they took over 6 months to approve and we almost lost the buyer. Once they approved it we had to be closed within a couple of weeks!! This meant we then had little time to find another place and ended up paying the buyer {$3000.00} to rent it back for a short time so we could find something and move. 

Fast forward to now and I just recieved a {$200.00} from Wells Fargo with a letter saying they had identified that when the loan was considered for payment assistance options an error may have occured. This cost me FAR more than {$200.00}, losing our family home and having to rent for the last 8 years.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NY)

On XX/XX/XXXX I was charged to overdraft fee of {$35.00} for a transaction that was {$40.00} this fee I feel like is unfair I called the number that I have to complain about it and representative was very rude did not help me with the situation I have complained numerous times about how beautiful you guys are with your fees and there is something that should be done then on Monday XX/XX/XXXX I had a check for a payment of {$1600.00} and that got returned but now there's our other charges pending that were made last week that should not be pending meaning that there should be no fees pending at all with these transactions this is an ongoing thing with this Bank this is like the only bank that I really have the situation with I'm tired of calling you guys about the same situation over and over and over I wish that you guys would just fix this problem and see that I'm not doing nothing wrong I was trying to have my account on a positive note like that I don't get overdraft charges and for some reason every time that I see that my account is cleared the following day does a overdraft fee I'm hoping that on XX/XX/XXXX with the email that you guys sent me that was sent at XXXX XXXX almost XXXX XXXX in the afternoon and then you guys give me to XXXXXXXX XXXX  which is only XXXX hours instead of XXXX hours if I want to have been notified ahead of time that my check was pending I would have had the positive the money I had the time also I went to deposit a check into the ATM to cover the {$1600.00} and for some reason the ATM did not take the check so I had to wait to go deposit the check in the bank I deposited the check today Monday the XXXX of XXXX and the check is now pending for Tuesday XX/XX/XXXX I don't know why you guys are holding funds for money order when is the money order I'm not sure if the ATMs are set money orders deposit but that's another problem that you guys should fix like that people don't get overcharged and get overdraft fees I would appreciate someone helping me with this issue I would like my refund back for those overdraft fees and I would like to be explained why I got a return check when they shouldn't have been over drafted like you guys have always overdrafted me before it's not fair that I get charged {$35.00} for {$5.00} but when it comes to my rent you guys can approve it it's not fair and it's not right my landlord just got charge of return check fee because of this stupidity thank you
Consumer complaint received 2023-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

I AM DISPUTINGCCS COLLECTIONS {$250.00} ORIGINAL CREDITOR XXXX. AN INSURANCE POLICY XXXX XXXX XXXX XXXX FOR A XXXX XXXX WAS OPEN AS AN IDENTITY FRAUD WITH MY INFO WITH XXXX XXXX. IN XXXX SOMEONE STOLE MY IDENTIY AND PURCHASE WITH XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX. EVERY THING WAS RESULT WITH XXXX XXXX XXXX XXXX AND REMOVED FROM MY CREDIT REPORT BUT I NEVER NEW THEY OPEN AN ISURANCE POLICY WITH THAT CAR.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CT)

I DONT RECOGIZE THESE ACCOUNTS 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 XXXX XXXX
Consumer complaint received 2022-11-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (KS)

I made a purchase from XXXX online using my chime account on XX/XX/XXXX. Part of my order was picked up on XX/XX/XXXX and the rest was cancelled leaving a remaining balance owed to me of {$28.00}. XXXX settled the transaction on XX/XX/XXXX, but instead of Chime returning my funds to me, they input the {$28.00} as a separate transaction from XXXX in my account. Instead of a refund my account now shows XXXX XX/XX/XXXX, XXXX but I did not make any purchases at XXXX on XX/XX/XXXX. Chime now says they take XXXX business days to return the money, even though on their advertisements they claim to never hold money. I would like to report them making fake transactions on accounts in order to hold funds from consumers longer than necessary. I contacted XXXX to verify the funds were released and they contacted chime with me on the phone. The XXXX agent confirmed for the chime agent that they released my money on XX/XX/XXXX, but the chime agent kept saying there was another transaction on the XXXX. The chime agent did not do anything except tell me to wait XXXX business days.
Consumer complaint received 2022-08-25
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: EQUIFAX, INC. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-11-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (FL)

Since my Account was close I been waiting for they send me my money back, My Account was on XX/XX/2023, and still not receive my funds, i been calling the last they say was in XX/XX/XXXX that my final check was sent the day, and now is XX/XX/XXXX i contact them again and they say still have to investigate and no body can tell me nothing where is my money
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MI)

I could not select the proper option from the list, so I apologize for that. There was not a category that addressed this issue. 

I have struggled over the years to get inaccurate information removed, but that is a conversation for another day. My main issue right now is that a few weeks ago I paid off my home mortgage with a lump sum payment. 
As a result of this lump sum payment, my credit score decreased significantly. I believe the scoring systems to be completely fraudulent for punishing a person for paying off a loan early. This is counterintuitive. Paying off an item early should should responsibility, discipline, and high creditworthiness. Punishing for paying off early due to the " longest credit line '' scoring factor is abuse of power. 

In addition, if someone pays off credit cards every month and does not maintain a balance, this should not have a negative impact on their credit score. Currently, It does. People are given higher scores if they keep a small balance on their credit card and just make minimum payments. This is another counterintuitive scoring technique. Isn't the person who pays off their balances every month more credit worthy than those who do not? Leaving a balance and just paying the minimum payment costs the public a tremendous amount of money every year as they are trying to get better credit scores. 

I believe these two items, along with many others is unjust and preys on individuals by lowering scores and making it difficult to obtain credit at good rates when they should be considered highly credit worthy.
Consumer complaint received 2024-12-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I can see at least 10 inquiries ranging back to XX/XX/year>. 9 of the 10 inquiries are someone in XXXX XXXX, thats not me. The only one thats me is linked to the last 4 of my social of XXXX. 

I also had a call from a debt collector XXXX XXXX, for XXXX XXXX XXXX XXXX from the same person
Consumer complaint received 2022-08-25
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: The Aligned Company DBA Extra (OK)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. | never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of these accounts off my report.
Consumer complaint received 2022-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

My account number with Chase Bank was XXXX. 

On XX/XX/2022 I deposited a bonus check from my employer in the amount of {$25000.00}. Check number XXXX. The check cleared my employers account the following day. 

Several days later, Chase Bank said they needed to speak with my employer to verify that they had written me the bonus check. I gave them the phone number ( XXXX ) XXXX of XXXX XXXX XXXX XXXX. The bank employee entered the phone number into his computer and said he couldn't use that number to verify the check because it was not a " landline '' phone number. I explained that that was the ONLY phone number used by the company. 

XXXX XXXX XXXX XXXX is located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, Florida XXXX. It is about 40 stories and the ENTIRE building does not use " landline '' phone numbers. The ENTIRE building is set up with VoIP as are most modern office buildings. 

I called Chase Bank several more times to explain this situation to them. All fell on deaf ears. They could care less. The bottom line was, if I could not provide them with a landline telephone number to call and speak with my boss then they were keeping my {$25000.00} and not releasing it to me. 

I explained all of this to my boss. He called Chase Bank and was told the same thing and that he could have his bank place a stop payment on the check to get his money bank. He called his bank where the check was drawn on and they told him that they could NOT place a stop payment on the check because it had already CLEARED their bank. 

I called Chase Bank again explaining all that to them. They told me my account was being closed and that the only way I could get my balance in the account was to provide a landline phone number which does not exist.
Consumer complaint received 2022-11-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (IN)

Hello, I requested a student loan refund for {$10000.00} on XX/XX/XXXX with Aidvantage. 

My student loans changed providers on XX/XX/XXXX ( XXXX to Aidvantage ). I called for updates on XX/XX/XXXX and XX/XX/XXXX to inquire about the status of refunds and received no helpful information or status. to my knowledge there has been no movement on this request. Tomorrow will be XXXX weeks since my initial refund request. 

Thank you!
Consumer complaint received 2023-04-08
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. (GA)

There is a collection showing on my credit report that does not belong to me, or my address has no ties with this collection or me. This was added to my credit file without my knowledge or my consent. This is illegal and against the law, stated 15 U.S.C 1681 section 602 A.aw to be reporting improper accounts on my credit report, and this account is reporting as open, which is illegal.