davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (WA)

This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
Consumer complaint received 2023-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (MN)

In May of XXXX  we received notification from our County Property Tax administrator of a significant increase in our property taxes. I notified our loan care servicing company, XXXX XXXX XXXX LoanCare, of the increase and suggested an escrow analysis be performed. They agreed and stated we would be notified via email and USPS letter. We never received any communication from the company. 

In XXXX of XXXX, we received a letter from LoanCare, dated XXXX/XXXX/XXXX  indicating our escrow account was underfunded by {$6000.00}. The next business day, XX/XX/2022, I called and spoke with a customer service representative. We agreed to pay the shortage amount of {$6000.00} via digital check. I was instructed to write " escrow payment '' on the check. The payment was made online and cleared the bank on XX/XX/2022. 

I followed up on XX/XX/2022, contacting LoanCare Svcs to follow-up on the recent {$6000.00} escrow payment. I wanted to ensure the payment was made to correct the deficient escrow account and not prepaying our monthly mortgage amount or against principal. The LoanCare Svc person indicated a mistake was made and the {$6000.00} had been applied against principal. I clarified for her our intent to pay the escrow shortage. She indicated the issue would be addressed and a follow up letter would be sent. We never received a letter, or any follow-up. We continued to make our monthly mortgage payment as agreed to. I monitored our account via an online portal. I called periodically asking the staff at LoanCare Svcs why our information was inaccurate. They always assured me the information would be updated the next day or so... A letter explaining the error and apologizing for the mistake was always in the mail. 

This went on for months, even to the point of LoanCare Svcs issuing us a few certified letters initiating the foreclosure process. Unfortunately, my wife had received one of the letters when I was out of town. She was somewhat unaware of LoanCare Svcs mistake. She was very upset and spent the next few days trying to contact LoanCare Svcs with no success. I returned home and contacted LoanCare Svcs immediately. Once again I was assured it was just a bureaucratic mistake and I would be receiving a letter apologizing and detailing the issue. This never occurred. 

What we did receive was another certified letter continuing the foreclosure process. To add insult to injury, we also received an alert via our XXXX XXXX account that our credit score had been downgraded because of comments made by LoanCare Svcs to one or more credit reporting agencies.
Consumer complaint received 2022-12-02
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (TX)

I suppose to get XXXX from XXXX and direct deposit from chime and chime has not disbursed my funds my funds should have been available XX/XX/22 and chime will not give me any information on my direct deposit I have spoken with XXXX over 7 times everything is processed on XXXX end it's chime who is holding my funds I have to find me a place to stay because my funds has no been disbursed to pay my rent
Consumer complaint received 2022-06-17
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. (VA)

This is my fourth letter submitted to you informing you that I am a victim of identity theft and I complain to question certain records in my file coming about because of some inattention. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, block the noteworthy of any information in my credit file that surfaced due to alleged fraud. 
XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$97.00} ; XXXX  XXXX Balance : {$53.00} ; XXXX  XXXX Balance : {$76.00} ; XXXX  XXXX Balance : {$71.00} ; XXXX  XXXX Balance : {$63.00} ; XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$91.00}
Consumer complaint received 2022-06-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I am a victim of scam with XX/XX/XXXXand XX/XX/XXXX( I learned later after being scammed that these are two different platforms and the XX/XX/XXXXdoesn't seem to be legit ) Within a week of learning I had been scammed, I reached out to Chase Bank XXXX XXXX XXXX, California location and spoke to the bank manager. I explained my situation and requested 3 large wires to be reversed on XX/XX/22. 
First wire was done on : XXXX/XXXX/22 {$30000.00} Second wire was done on : XXXX/XXXX/22 {$50000.00} Third wire was done on : XXXX/XXXX/22 {$74000.00} The bank manager reached out to the wire department to reach out the recipient bank. 
I have been following up every week with no success. 
Additionally, I have filled a police report and also the IC3. 
Can someone please help me. I need to recover my funds immediately. 
Thank you
Consumer complaint received 2022-06-17
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. (TN)

MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS XXXX XXXX AND EXPERIAN ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERES ALSO ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX 2. XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX 4. XXXX XXXX 5. XX/XX/XXXXXXXX. OF XX/XX/XXXXXXXX 6. XXXX BANK, XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS I HAVE BEEN DISPUTING THIS MATTER SINCE 2021 AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT
Consumer complaint received 2022-10-03
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: Experian Information Solutions Inc. (NC)

Notified by XXXX  XXXX XXXX ( XXXX  ) by email ( customer XXXX  ) on XX/XX/XXXX that my email was updated on XX/XX/XXXX in mobile and online banking. I do not have any accounts at XXXX, so i intially disregarded the email. On XX/XX/XXXX received a text message from XXXX  ( number XXXX ) congratulating me on the approval of my credit request and to expect a welcome package and cards in 14 days. Contacted XXXX  customer service on XX/XX/XXXX to inquire about activity and found out a credit card had been opened using my information. I let them know that I did not make the request and they closed the account. I forwarded the email to the XXXX  fraud address ( XXXX ) on XX/XX/XXXX. Obtained copies of my three credit reports on XX/XX/XXXX, noting a hard inquiry from on the Experian report from XXXX dated XX/XX/XXXX. Set credit alerts on all credit reports for one year. Contacted XXXX  again on XX/XX/XXXX to verify that the account was closed and a fraud investigation was opened. Contacted Experian by telephone the same week requesting the XXXX  hard inquiry dated XX/XX/XXXX be removed because it was fraudulent. Experian requires that I complete a FTC report before they will accept the dispute. The FTC website directed me to the CFPB website to complete the complaint.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (CA)

Hi XXXX, I would like to express the dissatisfaction about your call center / fraud department procedure. 

As a long time customer, I was accused as a fraudster depositing a fraudulent check. 

I was laid off by a lender few months back and my last paycheck was placed on hold and couple of days ago on XX/XX/30 I deposited my first pay check and still being accused they suspecting the check is fraudulent even it is from XXXX XXXX XXXX  even I called in on XXXX and XXXX to try to resolve this Not only the employees are not helpful - On top they do not allow the matter to be escalate further. 

I am indeed the check deposit to survive due to the current economy but Chase truly making the transition harder than ever. 

I would like to see if you can assign someone to look into this further. 

Thank you.
Consumer complaint received 2022-12-02
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: Resurgent Capital Services L.P. (NC)

I have been trying to correct my credit report for over 6 months. I have asked all 3 credit bureaus to provide proof of the debt ( 609 LAW ) in writing several times and have been ignored with no responce. I don't have any knowledge or recollection of these debt. I believe they are reporting incorrectly and it is affecting personal and financially. Please remove the following inaccurate items listed below from my credit report. Thank you in advance. 

XXXXXXXX XXXX XXXX Last reported XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$260.00} XXXX XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$160.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX  Inquires XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX IN XX/XX/2022 XXXX
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (FL)

i was scammed by a company called XXXX XXXX tax relief. they took out XXXX a month from me for almost a year. i asked them to stop since numerous times because i felt this was a scam they assured me that it was not. they were taken XXXX out every month that was not even authorized which i have no idea why it was even taken, they never provided any services to help with my tax relief. i would call them and never got a response. i would email them asking what is going on with my tax relief and they would take weeks to months to even get a respone that they would reach out and they never would but would continue taking money from my account. I finally reached out to my bank Chase to have them stop any future payments and I than reported a claim. they have denied my claim saying its invalid claim that it was an authorized. I feel that my bank should at least try to help me get some of my funds back. they gave me a number for the XXXX XXXX  tax relief which was no help to call and try to resolve this with them.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (SC)

On XX/XX/22 I attempted to log in to my online banking account with Truist. I was immediately logged off. I attempted this 2-3 more times to no avail. My only goal was to check my checking account balance and transfer funds if needed. 

I then called the automated line to try to check my balance over the phone. The online system would not understand my social security number, which I entered about three times. I then attempted to speak with an operator and was told wait times are over an hour. I do not have time to wait on the phone for an hour or more. 

Currently, I have no way of accessing my funds at all. This is much worse than the recent complaints I have sent you about this bank. In those situations I couldnt transfer money but could at least see my balances. I can do neither now. 

The bank has an active social media ( XXXX ) account, yet it provides zero updates about this problem despite numerous complaints being posted in the last two hours. Nothing is mentioned about this there or on the banks website. It is extremely stressful to not only have no way to access my account but to have zero acknowledgment by the bank that a problem even exists, much less is being fixed. Communication with customers is not one of this banks values or concerns.

My worry is that it is almost the weekend. Historically, when this bank experiences problems on or close to the weekend, nothing happens. No one works on it and any progress made comes to a grinding halt. Im quite fearful this will be the case again this weekend. 

I need to access my account to pay bills and make transfers - and, if nothing else, because this is my money and I have a right to know whats going on with it. This bank is bafflingly incompetent when it comes to its online banking system and customers are paying the price. 

I strongly encourage bank regulators to investigate Truists unethical ( at best ) banking practices.
Consumer complaint received 2022-06-17
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. (NY)

Im again submitting a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed below. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. I have attached my FTC report and my Police report that I have filed on my local police department that would testify that I am a victim of Identity Theft. Here is the list of information I need removed/blocked from my credit reports. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}, XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : $ XXXX don't own any of this accounts. Please see to it that they are removed.
Consumer complaint received 2022-06-17
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  Account number XXXX XXXX XXXX and Account number XXXX XXXX has violated my rights 15 U.S.C section 602A. States I have right to privacy. 15.U.S.C.A section 2 : it also states a consumer reporting agency can not furnish a without my written instructions.
Consumer complaint received 2022-06-17
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-06-17
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. (NY)

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.
Consumer complaint received 2022-12-02
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. (NC)

I submitted a refund request with them XX/XX/26, hours after they announced the refund policy for student loans. Due to their fault, I was told that there was an error in the previous refund submittal, and they would need to process this XXXX. I have called numerous times and have gotten no clear update as to when I would be receiving the money that is owed to me. I, and many others are very frustrated with this process. I would like to receive my refund as soon as possible.
Consumer complaint received 2022-12-02
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PENNYMAC LOAN SERVICES, LLC. (PA)

I am consumer XXXX XXXX and I'm continuously being harassed by PENNYMAC LOAN SERVICES LLC. PENNYMAC LOAN SERVICES LLC, is a debt collector and must abide by the Fair Debt Collection Practices Act. PENNYMAC LOAN SERVICES , LLC has contacted me about alleged debt without my consent. During initial communication in XX/XX/2016 they did not send a statement that I had a right to dispute alleged debt. PENNYMAC LOAN SERVICES , LLC claims to have interest in consumer 's property and did not give any consideration or value. I do not have a contract with them and pursuant to the FDCPA PENNYMAC is not a creditor they were transferred an assignment. This was done without my consent and PENNYMAC created an account on behalf of the consumer in which is not my account. PENNYMAC has compiled false and deceptive forms to attempt to collect alleged debt. They are threatening to seize my property once again without any lawful right. I have a federal court case that has been filed against PENNYMAC FOR THEIR VIOLATIONS. This alleged debt was not and can not be verified by this third party debt collector. PENNYMAC IS IN VIOLATION OF ANTITRUST LAWS AS WELL BY ATTEMPTING TO PRESENT A LOAN ASSIGNMENT THAT THEY CLAIM TO BE TRUE. ALL DECEPTIVE AND COMPILED AND IN VIOLATION OF 15 USC 1. This is identity theft, they have my nonpublic information without my consent. THIS IS AN ALLEGED DEBT THAT IS DISPUTED SEVERAL TIMES. I AM NOT OBLIGATED TO PAY ALLEGED DEBT PURSUANT TO THE FDCPA AND PENNYMAC LOAN SERVICES LLC MUST ABIDE BY THE FDCPA.
Consumer complaint received 2022-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I am filing this complaint because I see that Experian 's Privacy Policy states : We share your personal information with third parties you expressly authorize, consent to authorize, consent to, or direct us to share your information with.I HAVE NEVER EXPRESSLY AUTHORIZE, CONSENT TO AUTHORIZE OR DIRECTED EXPERIAN TO SHARE MY INFORMATION.
Consumer complaint received 2022-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Specialized Collection Systems, Inc. (TX)

In 2019 I experienced a robbery where my purse was stolen with all of my credit cards money, birth certificate passport ID and Social Security was inside. A police report was filed and ultimately it appears there was identity theft as a result. I do not owe this debt and I AM not an individual who has done business with this company. I need your assistance in mediating the possible rectification of this error
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (TN)

In XXXX XXXX I opened an Ashley HomeStore credit card in order to purchase a couch for my new home. Although I had XXXX XXXX interest for a year I paid off my card within 8 months. 

I received notification on XX/XX/XXXX that Synchrony was closing my account " after a review ''. They chose to close my account due to the following Lack Of Real Estate Secured Loan Information Too Many Revolving Accounts With High Balance Compared To Credit Limit Too Many Inquiries Balances On Bankcards Are Too High Compared With Credit Limits 1. Why was my account reviewed? There were no missed payments of any kind or late payments.

2. What does having a mortgage have to do with purchasing furniture?

3. What does my balance on other cards have to do with my Ashley HomeStore Card?

4. Why would Synchrony close a card with a {$0.00} balance and paid on time when in use?

Synchrony closing this card caused my credit score to drop XXXX points flat out. Synchrony Bank harms consumers by closing accounts that aren't posing a risk to them and damages consumer credit worthiness for no reason. 

They actually did this previously to me with an old Lowe 's card. At the time that card also had a {$0.00} balance and Synchrony had cited that my credit score was " too low '' then closed the card and dropped my credit score even further.

Synchrony harms Americans by closing open revolving cards that are not risky.