davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-23
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Genesis Credit Management, LLC (WA)

On XX/XX/2016 I went in to make a payment to " XXXX '' in the amount of XXXX, they accepted my check and gave me a receipt. On XX/XX/2016 I got a email stating they had my check in front of them but have not cashed it. On XX/XX/2016 my check in the amount of XXXX was cashed ( by XXXX ) and then sent me to collections on XX/XX/2016 by ( Genesis Credit management ) XXXX and I were on a payment plan for every month in the amount of XXXX due the XXXX of every month. Because I did not sign their promissory note fee but made my first payment they still sent me to collections. XXXX a Account Representative with Genesis credit management then called my cell phone multiple times and because she did not hear the answer she wanted to she then decided to call me at work, I believe three times I talked to her and every time asked her NOT to call me at work and that she had my cell phone number and two other times my coworkers told me she called while I was off. After multiple times I asked her not to call my work phone she then starts harassing me telling me " I heard about you and I 'm not scared of you '' ( Something along those lines. '' Which I am guessing she was meaning after talking with ( XXXX. ) she then called my work harrsing my HR team, telling them " They legally have to give her ALL my information, and being extremely rude. I have not heard from XXXX or her team since.
Consumer complaint received 2016-04-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GMA Investments, LLC (TN)

I get a phone call from XXXX XXXX from Summit Receivables. They tell me that my check has been returned from my bank. I have not written them a check. She says she is going to turn it over to her INF team to collect. I do n't know what this is about. She asks me to call XXXX.
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (GA)

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$360.00} which appears on my credit report. I believe this information to be inaccurate and potentially fraudulent, as I do not have any contractual relationship with XXXXXXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) Section XXXX ( XXXX U.S.C. XXXX ), I have the right to dispute any information that is incomplete or inaccurate on my credit report. 

To date, XXXX XXXX XXXX has failed to provide me with the original contract bearing my wet signature or proof of identity verification. Without these documents, they have not substantiated their claim that this debt belongs to me.
Consumer complaint received 2024-09-25
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. (MN)

I was in the process of purchasing a XXXX property from a reseller. put the deposit of XXXX XXXX down then the deal became ridiculous. Amounts owed change timelines were rushed and nothing was as it said. The deal fell through. I disputed the XXXX with my bank Chase. Chase temporarily gave me credit and started the investigation in XXXX XXXX XXXX, then today the credit was reversed, and they are stating that the merchant supplied evidence that it was completed. Not only do I not own the property but now I am out XXXX XXXX
Consumer complaint received 2024-09-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/year> I had a unknown charge on my chase bank account from " XXXX  Laws '' a online grocery store in XXXX I filed a dispute and was told by Chase my account was compromised by someone with XXXX XXXX  used in transaction. So they had me change user name and password and put the money back in account then on XX/XX/XXXX XXXX they reversed the claim and took money back I then called to find out why and was told because upon investigation there there wasn't proof that that it wasn't me and asked me if I could prove that it wasn't me which if they did a competent investigation they would see that it wasn't me because I don't have XXXX XXXX  they can see what device I log in with on the app that it's a XXXX not an XXXX they can see that I don't live in XXXX and I then asked if they could supply me the information of the XXXX XXXX  that was used and they said that they can not give me that information so basically my money was stolen from them from my account with them and they're doing nothing to help me figure this out and my only fault is using Chase Bank as my bank I don't even feel safe now banking with them now that I've realized I am not protected by them and XXXX  I've escalated this to their supervisor and the claims and I somehow randomly get cut off every time both times
Consumer complaint received 2020-10-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (FL)

I applied for a refinance with Rocket Mortgage in early XX/XX/2020. I was shocked when they asked for the username and password for my bank account. I have been the victim of ID theft, as a result, I hold my private information secret and do not reveal easily. My credit info is frozen at all 3 bureaus. I reluctantly provided it and then immediately changed both to a complicated username and password. Then, I was given a loan estimate that made no sense. Not only did the math not add up but the closing costs were outrageous. I pointed this out to my broker who stated he was seeing something different on his end. He saw {$6000.00} something where I saw {$11000.00} something. I am being vague here. He told me he would send me a new estimate with the corrected numbers. The second estimate was accurate and attractive. In the meantime, this company continued to request more documents and after I had been told there would be no appraisal, all of a sudden there was to be an appraisal after all. Then a 3rd loan estimate that was more expensive than the 2nd. I asked my broker why. He reassured me he would see what he could do and I would get another estimate. I did and the 4th was even more expensive. The loan amount was higher than the previous 3! All this while, there were multiple multiple phone calls, e-mails, copying of documents and uploading and sending. Being placed on hold. This has dragged on for months. This is harder than the original home loan I applied for. Are they trying to outwait me? They are playing silly fun and games and I don't like it. They are wasting my precious time. I am XXXX. I have had several procedures done this year and I don't have this kind of time and energy. At times I have to make copies of documents at the same time I am preparing or recovering from XX/XX/XXXX and procedures. I am exhausted.
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (FL)

This company Synchrony Bank sold my debt to XXXX  collection agency XXXX of my debts. 
These debts are being paid by a third XXXX XXXX XXXX XXXX, I had given to pay XXXX years earlier and were scheduled to pay that are part of XXXX XXXX XXXX have paid XXXX large accounts and synchrony was next to pay.I have XXXX synchrony accounts and XXXX is being paid monthly which leaves XXXX synchrony accounts agreed at a lesser amount. 
This collection agency XXXX  have negative effect on XXXX XXXX after XXXX  years of repairing score with XXXX XXXX and should not have accounts in the first place XXXX XXXX XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA (TX)

Phone was stolen and thief was able to unlock my iphone and access my credentials. They were able to open an apple card with my info and managed to make multiple purchases. Filed a police report and disputed with all XXXX credit bureau 's. Received a call from XXXX stating that goldman sachs refused to remove the credit history from my credit report when i provided all the correct documentation they asked for.
Consumer complaint received 2019-06-04
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (MS)

This account was settled with the collection agency it was sent too. I tried to reach out to the credit furnisher but they would not update my account accordingly. I also tried disputing it with the credit bureaus and they refuse to correct/ update/ delete the account
Consumer complaint received 2020-06-08
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: WELLS FARGO & COMPANY (NJ)

Wells Fargo Card Services continuously keeps reporting invalid information on my credit report. I've been disputing the inaccuracy of this debt and it's reporting and they continue verifying false information without actually validating the debt. 

This company is acting in bad faith. I've never done business with them. 
Please request that this agency provides proof that this debt actually belongs to me, by adhering to The Fair Credit Reporting Act Sections 609 and 611 and providing the original contract bearing my signature, DOB, or SSN. 

This can't be done because I've never done business with them.
Consumer complaint received 2019-08-07
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. (NY)

I did not sign up for an account with XXXX XXXX. I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first XXXX XXXX. I requested Equifax and XXXX to validate this information and provide me with copies of any documents associated with this account bearing my signature but they were unable to supply it. CFPB step up and remove XXXX XXXX XXXX
Consumer complaint received 2019-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

his complain is about Citi 's Online Banking System. So Citi 's online system is a disgrace for such bank. I opened a checking account some time ago. Before that by few years, I opened a few credit cards with Citi. Two of them as still active as of today ( Citi Costco and Citi Diamond Preferred ). Few days ago I requested that the checking account be closed. Now after it has been closed I am trying to UNLINK the checking account from my user id. I tried doing so online. It told me that this should take 2 - 3 business days. So I waited. 

After some time, I discovered that my Citi Costco and Citi Diamond Preferred Cards have been both UNLINKED from my user id. WHAT??? WHY??? So I tried to link them again, it didn't work at the beginning, but after few trials it was successful. Today, XX/XX/XXXX, I checking my online banking, I don't see my credit card accounts anymore. AGAIN!!! They have been UNLINKED by some unknown force. So I tried, AGAIN, to link them. I was successful in linking the Citi Costco card, but unsuccessful in linking the Citi Diamond Preferred Card. What's going on??? Should one leave his own responsibilities and life and focus on why the Online Banking of Citi is just messed up and doing stuff on its own. As usual, customer service is useless and they gave me some explanation that the Checking Account is a default account so after it has been closed and in order to UNLINK it, then we need to re-create a new user id and add both credit cards to it. Why should I even bother about this? Why this system is just a failure for such big bank? Need a solution as soon as possible.
Consumer complaint received 2019-08-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc. (GA)

Innovated Recovery Inc. have falsely represented there self by trying to collect from me money that is the wrong amount and for the wrong apartment complex. I did attempt to resolve by trying to settle the difference and they declined. I feel that it was wrong that there was no proof of the balance on my credit is correct so I ask to settle at a reduced rate to no avail. Please help me close this matter in a amicably.
Consumer complaint received 2019-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation (FL)

I disputed this alleged debt numerous times and it keep getting sold and settled to multiple collectors even when debt was ceased and i was sent a 1099 from collector.I disputed this debt back in XXXX, and now XXXX.The company agreed to cease collections but yet company has broken federal law thinking I don't know my rights which gives me the privilege to sue collector for breaking the law.
Consumer complaint received 2024-09-19
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: EQUIFAX, INC. (GA)

I am a victim of identity theft. With that in mind I have sent proper documentation and you all are refusing to remove the fraudulent inquires. So again I am a victim of identity theft and the following inquires were not performed by me and I am requesting you to delete them : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ) The XXXX  account that was open has been closed due to identity theft so you all should receive correspondence where the account has since been closed. You all dont have the right to tell me that something was done by me due to the fraudster having all of my information. The inquires are a result of fraud and I am requesting them be deleted
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
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. (NC)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: TCF NATIONAL BANK (OH)

Today marks day 84 since the offer we put for the house was accepted and was sent to the bank to be processed. Since then, we had signed five extensions for the closure. Last month I was told at the beginning of the month that we were supposed to close in  XXXX, and I was assured that it was not going to go into XXXX. Everything that has been requested, we have provided in a timely manner. We have been patient and understanding during these unpresidential times the nation is going through.

After consulting with other professionals in the field, I have been notified that there have been some discrepancies in the process. Additional documentation has been requested from our part that is not asked to provide from a traditional consumer. For instance, having to contact the IRS, place a Fraud Alert, and request the 2017 tax return. ( The standard documentation that is asked for is from the past 2 years ). The explanation for this request of the tax return given was to make sure we havent bought a house in the past three years, even though that information can be obtained from the credit report.

I was advised by the lender that all information requested was verified for accuracy and missing information. Once all information is collected then it is submitted to the underwriters. So, it led me to believe that the information was not verified to make sure it was accurate which has caused delays and constant requests for additional information from the underwriters. Or the possibility of prejudice from the underwriters ' part, consequently requesting redundant documentation.

My realtor and the broker had contact the lenders ' corporation and the supervisors of the lender, and after 3 weeks we are still been told we " we are waiting for the clear to close at any time '' every single time we asked for an update.

Due to the delays we have been forced to pay {$900.00} in additional spences. Because of the delays we have reach a point were the seller will not accept another extension and we may loose the house. The lender seem not to be concerned with that. After leaving several message and sent emails advising of this, the lender has not contacted me to provide update.

All the information mentioned leads us to conclude there is a possible bias from lenders end or the underwriters.
Consumer complaint received 2019-08-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (AR)

I have used my Best Buy store credit card ( CitiBank ) twice this year. I noticed that I had been charged for Debt Protection twice, yet I never agreed to this service. I sent a secure email through their online service and have requested a removal of this service and a reimbursement yet I have not received a response from Best Buy on the matter. 

Two Transactions. 
XX/XX/2019 - {$0.00}. XXXX. 
XX/XX/2019 - {$0.00}. XXXX.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX : {$7200.00} XXXX XXXX XXXX : {$7500.00}
Consumer complaint received 2016-12-13
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I contacted my present mortgage lender, Bank of America, to attempt to get my loan refinanced for a lower interest rate ( instead of my 6.5 % ). I spoke with a representative by the name of XXXX XXXX XXXX # XXXX XXXX. She advised me that Bank of America no longer does loans on anything with a VIN number. I have a mobile home that is on a fixed foundation with brick underpinning. The county tax assessor 's office classifies the property as Real property ( not personal ). The original underwriting attaches a lien to the land with the mobile home attached. In other words, the mobile home ca n't go anywhere. The fact that I have a current, good-standing mortgage with Bank of America, should entitle me to the same right I was afforded when they purchased by original loan -- the option to refinance at rates that are reflective of individuals with my payment history, credit score, and real value of the property.
Consumer complaint received 2021-06-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent letters to the bureaus about some inaccurate items showing on my credit report. It has been over 60 days and I have not received a response. I have done what I am told am capable of doing as a consumer, but it seems like my concerns are overlooked and go unanswered. I demand that my concerns be addressed and that these items reflect instructions included in the attached letters. Please delete the items that have been requested to be deleted, and update the items that have been requested to be updated immediately. 

I have attached my drivers license and a utility bill for verification of ID