davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Claims Bureau, Inc. (CA)

After speaking with a representative over the phone at Professional Claims Bureau, LLC, I called my health insurance plan, XXXX XXXX XXXX, and asked about Account XXXX amount owed, {$870.00} and the additional accounts with the PCB and they said that they never received any claims from XXXX XXXX XXXX. I also did not receive any bills in the mail from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
I called XXXX XXXX XXXX XXXX to inquire about the dates now owned by PCB, and found out that during this time, I was covered by insurance. This hospital also has my health insurance information on file. So there is a mistake. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX at XXXX XXXX XXXX XXXX XXXX, NY XXXX United States The Professional Claims Bureau, LLC is attempting to collect a debt that is not mine. If they would like to resolve this, they should speak with my insurance company if they wish to collect this debt. 

XXXX XXXX XXXX XXXX Plan Member Name : XXXX XXXX XXXX XXXX ID : XXXX Phone Number ( XXXX ) XXXX
Consumer complaint received 2023-01-05
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
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 (IL)

The XXXX paid an auto claim payout to me thru XXXX in the amount of {$7600.00}. I was forced to open a venmo account to receive it. Venmo released {$4500.00} to me but then would release any more, and I needed {$5100.00} to pay for the vehicle replacement, which Id paid a {$600.00} deposit on. Over several days, phone calls, chats, and emails not once was I told to submit my ID or that my account was frozen for being in violation until yesterday. Upon receiving that I immediately submitted my ID. Today I received an email from XXXX thanking me for the ID but closing my account and keeping {$2900.00}. Im losing my car, half my insurance payout, {$60.00} @ deposit, and the final payout from my insurance company for failing to replace my vehicle within the 30 day timeline. Through no fault of my own. I have screenshots of everything.
Consumer complaint received 2023-01-05
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. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-01-09
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Account sold or transferred to another company
Company: BARCLAYS BANK DELAWARE (MA)

Barclays took over XXXX XXXX  from old navy and never sent me a new card. I called them on 4 seperate occasions asking for a new card as I could not access my account to pay it off online. I eventually paid it over the phone and still had to call 2 more times to request a card. As of almost 6 months later I have not received my card and they closed my account saying that I never paid which I did pay over the phone and have a paid file in my bank statement. When I called to get my card reinstated they said they would reinstate it and send me a new card. They never did. As of today, I called again to see what the status was and they said they do not know who told me that because they can not reinstate my card and there is nothing they can do about it anymore. I am waiting for a supervisor to call me but after making 5 phone calls to them I have no hope and my credit has now taken a hit because of their very poor customer service.
Consumer complaint received 2021-11-21
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. (MD)

On XXXX XXXX,2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2021-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE (AR)

My loan was recently sold by Sierra Pacific to XXXX. The effective date for the sale of the loan was XX/XX/2020. I was advised by Sierra Pacific that I needed to make payments to them through XXXX and then start paying XXXX. However, Sierra Pacific has not sent these payments to XXXX. XXXX is threatening to foreclose on my home now. I've tried contacting Sierra Pacific regarding this, and they now claim they did not sell the loan. However, they had already sent my escrow balance through XXXX to XXXX. I've tried to come to a resolution through Sierra Pacific and they refuse to help. I can't get a resolution in place and have tried speaking to them numerous times. I have call dates and times to validate this. I have documentation proving i sent payments to Sierra Pacific as well.
Consumer complaint received 2023-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (PA)

XX/XX/29 I received an email saying my account was overdrawn by over {$480.00} and instantly checked my account and saw Wells Fargo took money out of my account without informing me first that they made an error with one of the claims I had in dispute. The amount of the claim was for {$650.00} and the investigation was completed and my money was returned into my account due to it being unauthorized. After XXXX I go to pay bills and money is just gone and they just said Im liable for this costs even though it was a FINAL CREDIT not PROVISIONAL CREDIT. They said they made an error and overpaid me which I can somewhat understand, but why wasnt I notified earlier or before my account was just charged without any explanation. I want my money back plus extra for stress and causing me to be behind on bills. Something must be done.
Consumer complaint received 2023-01-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (IL)

XXXX XXXX account opened XX/XX/XXXX after disputed information XXXX removed from credit This XXXX adds collection XX/XX/XXXX ( 9 months after removal ) of a debt of XXXX " original creditor XXXX '' and the account opened " XX/XX/XXXX '' I have not had a XXXX account since XXXX, which XXXX properly reported. XXXX sold the debt after removing it on a 7 year reporting, then buying company reports the account opened when they purchased it not the original creditor account opening. 

They also have no original account number.
Consumer complaint received 2023-01-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (MN)

At one point in time my savings account had a healthy balance, when my checking account would go negative I've had as many as 21 days to cover the account balance, which I did. Recently when my savings account balance was low my checking account no longer had the grace period to replace those funds. I approached the chase banker, XXXX, XXXX, about it on multiple occasions, he denied me response until I quoted directly from US Legislation, then all of a sudden he was able to reply to me, he then tried to offer me a bogus, non-regulatory explanation which makes no sense against what actually took place with my accounts. I used emails to track the communication with XXXX XXXX of chase bank XXXX XXXXXXXX XXXX
Consumer complaint received 2020-06-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (WA)

Chase Sapphire Reserve Credit card fraud detected on card in XX/XX/XXXX for various charges, including one for 'XXXX ' of {$19.00}. Credit card was closed and new card was issued. Fraud charges in XXXX were confirmed fraudulent, no issues. A few months later fraud charges start again on the new card for 'XXXX ' and XXXXXXXXXXXX  ', and appear to be a reoccurring charge by those websites. I have never had an account or purchased any goods or services from either site, however, those charges at the end of XXXX, and into early XXXX continued without my knowledge or consent. I have now learned that Chase will allow charges to a closed account if it falls within a certain timeframe for reoccurring charges, and is communicating the new card info to the service making the charge ( perpetuating charges from a fraudulent service ). This is marketed as a feature to help ease transition to a new card, but in fact it enables fraudsters to take advantage of this 'feature ', now at my expense. Several charges from XXXX hit in the month of XX/XX/XXXX, which then caught my eye when reviewing the account, and I reported the fraud, including the backdated fraud charges. Card was cancelled, new card was issued in XX/XX/XXXX, and fraud charges were removed from my account. The chase fraud department sent a letter in XX/XX/XXXX that I received a benefit from all of these transactions, that I was liable for them because of that, and all charges were readded to my account. Several attempts to contact Chase Fraud dept. have failed, no response, and customer service reps are unable to action anything as the Fraud dept owns this. Chase is falsely advertising the CSR card benefit of 'Zero Liability Protection '.
Consumer complaint received 2020-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (TX)

In XX/XX/2020 I spoke with someone at EOS and I informed them that I knew nothing about this alleged account but wanted to get over and done with it. After further review I have found out that this account was a result of identity theft. I did not open or authorize this account, and I request that it be closed and immediately removed from my credit file from all there credit reporting agencies.
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing Transunion that I was a victim of identity theft. Transunion is failing to block or remove the account from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent account, an affidavit from the FTC website & provide a photo ID for their records. Transunion has claimed the account listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have this account blocked/removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$69000.00}
Consumer complaint received 2020-06-26
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. (NC)

I have had four credit cards with Citibank for many years. I have always paid my bills on time and never missed a payment. I was extended a good deal of credit over the years ( over $ 15K ) and have used and paid that off several times. Recently, Citibank decided to reduce my credit line with all four of my cards, which in turn affected my credit to debit ratio. They reported the reduction to XXXX, and now my credit/debit ratio is terrible! They took away around $ 12K in credit. I have called several times to ask why and I just get the run around and am told that " we reviewed your credit report and your credit/debit ratio is too high. '' It's only too high because Citibank reduced my credit for no reason. I have a pretty low balance on all cards currently and am still paying them off each month religiously. 
They have also raised my interest rate from 0 % to 23 %. 
This will affect all my other credit on my report and look bad, when in fact I had nothing to do with their decision. 
Please look into this for me. 
I appreciate your help. 
XXXX XXXX
Consumer complaint received 2021-01-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ACIMA CREDIT, LLC (FL)

I GOT A LEASE THROUGH ACIMA CREDXXXX. THEY AGREED TO REMOVE THE ACCOUNT ONCE IT WAS PAID TO SATISFACTION. THE ACCOUNT IS STILL REPORTING 7 CHARGE OFFS. WHICH IS A VIOLATION. THIS ACCOUNT WAS SETTLED AND CLOSED. REPRESENATIVE TOLD ME THIS ACCOUNT WOULD BE REMOVED. THIS ACCOUNT IS STILL BEING REPORTED NEGATIVE ON MY REPORT.
Consumer complaint received 2021-01-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX I submitted an inquiry to Chase Home Mortgage regarding refinancing my loan. At the time no authorization to pull credit was given. 
On or about XX/XX/XXXX I spoke with a loan officer at Chase name XXXX who verbally confirmed that no credit pull is required to generate a quote. 
A week later I got a letter from Chase confirming a credit pull and a credit score. That credit pull was done without my authorization. 
I submitted a complaint to their resolution center on XX/XX/XXXX only to be informed on XX/XX/XXXX that they did not pull my credit and asked me to submit to them documentation confirming that.
Consumer complaint received 2020-06-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (TN)

Leases a XXXX XXXX XXXX in XXXX, XXXX while I was living in XXXX  ( XXXX XXXX ) Hyundai Motor Finance holds the paper. ( XXXX XXXX XXXX, XXXX XXXX  XXXX, Ph XXXX ACC'T number XXXX ) I moved to XXXX  in XXXX, XXXX. The vehicle was registered in XXXX XXXX XXXX XXXX XXXX was shown as the lien holder. Monthly statements were sent to my XXXX address. 
In XX/XX/XXXX I decided to purchased the subject vehicle. I was instructed by Hyundai Motor Finance to obtain a payoff letter from the local XXXX XXXX. ( XXXX XXXX of XXXX XXXX, XXXX ; XXXX. XXXX ) Upon receipt of the payoff, ( Estoppel ), letter and other required documents I obtained a loan from XXXX XXXX XXXX to purchase the subject vehicle. A bank check in the amount of {$10000.00}, ( the amount stated on the estoppel letter ) was mailed on XX/XX/XXXX to XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. XXXX, the designated address on the Estoppel letter. My XX/XX/XXXX statement from Hyundai Finance shows these funds these funds were received on XXXX. 

I have now been informed by Hyundai Finance that they are " refunding '' these finds to me, because the vehicle is " garaged '' in XXXX  and I will have to go through the dealership in XXXX where I originally leased the vehicle. 

First, I have know idea what they mean by " garaged ''. They knew of should have known the vehicle is in XXXX, base on the fact that it is registered here, and because of the monthly statements coming to my XXXX address. 
Second, there is no mention of this requirement in the Estoppel, ( payoff ), letter. Now it has been awhile, but if my memory serve me correctly the purpose of obtaining an Estoppel letter is to prevent any further claims from be asserted. You get one bite at the apple. 

I have met all the requirements of their Estoppel letter, therefore the remedy I am seeking is to get a clean title in order that I may add the new lien holder, XXXX XXXX XXXX. 

It is grossly unfair to require me, without prior notice, to deal with a dealership 880 miles from my home. 
I am, as I always have been current, on the monthly payments, but I suspect Hyundai Motor finance will expect me to make the XX/XX/XXXX payment. 

This whole episode is ridiculous ; I have never heard a a lender refusing to take the funds necessary to payoff a loan.
Consumer complaint received 2020-06-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (LA)

My husband and I have been with Chase bank a few years. I admit we have had some overdrafts but when my husband lost his job and we longer had his direct deposits things crumbled before we knew it we probably owed hundreds if not thousands in overdraft fees. To top it off when we got our stimulus it put our account in the positive because we had around {$900.00} overdrawn. Then they credited us {$700.00} but then took it out again a month later. We did not receive any letter or correspondence on what we get were doing. Thankfully we didnt overdraft again but i promise you that was there plan. I do not remember signing anything to opt in to overdraft protection. Please take a look into this no telling how much money they have made of of us.
Consumer complaint received 2020-06-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (WA)

On XX/XX/2020 I locked in a rate with Better mortgage with a given set of terms. Once my hard credit was pulled, {$550.00} collected from me, the origination fee went up from XXXX to {$3000.00}. No explanation was provided and my e-mail and call was ignored after I tried to get an answer. I'm still actively trying to cancel my application.