davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (OH)

I have a a unverified account from CHOICE RECOVERY. I had previously disputed this account. I have never done business withCHOICE RECOVERY XXXX,XXXX,XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records a contract, proof of claim, or any signed documentation for my review.
Consumer complaint received 2019-01-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

I had an XXXX Visa from Chase Credit Cards. last year I noticed I kept getting charged a late fee even though I was making my payment on time. I spoke with a Customer Service Representative ( CSR ) who explained they were in the right and I was in the wrong. I told them to cancel my account, which they did. I still had an outstanding balance so I continued to pay it down until it was within a reasonable amount before paying it off. On XX/XX/XXXX, I logged onto my account to make my XXXX payment when I noticed that I was charged a {$25.00} late fee on XX/XX/XXXX even though I had made the minimum payment of {$25.00} on XX/XX/XXXX. My online statement also showed that my payment was paid on XX/XX/XXXX. I called and spoke to a CSR who told me that if I had waited until XX/XX/XXXX, a late fee would not have been charged. I explained that this is why I cancelled my credit card in the first place because of these ridiculous and unethical business practices. He agreed to remove the {$25.00} late fee. I requested a confirmation number, but he stated they do not do that, but it would show up in my next statement. When I went to pay my XXXX payment, I saw a {$27.00} late fee charged on XX/XX/XXXX even though I paid my XXXX payment on XX/XX/XXXX, which shows on my statement. I called Chase again, and I spoke with another CSR who stated that it was my fault because I paid my XXXX payment on XX/XX/XXXX. I asked to speak to a manager, and the manager made a futile attempted to get the late fee waived and to reduce my minimum payment back to {$25.00} instead of {$54.00}. When the manager came back on the line she claimed that they were unable to take the late fee off or change my minimum payment back to {$25.00}, and told me I would continue to be charged a late fee if I did not pay {$54.00} by XX/XX/XXXX. I hung up on her at that point.
Consumer complaint received 2018-10-19
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. (TN)

I have contacted and sent letters to Equifax on numerous occasions regarding the new law that took effect XX/XX/2017 regarding Public Records, Tax Liens and Civil Judgements. Equifax refuse and have yet to remove my public record
Consumer complaint received 2018-12-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CT)

This is regarding predatory lending via telemarketing to the elderly. The 2 Wells Fargo telemarketers are XXXX XXXX & XXXX XXXX. They called my XXXX & XXXXyr.old parents from another state to coerce a woman w/XXXX & a man w/XXXX XXXX into a 30yr. refi. No mortgage protection insurance was offered, no borrower 's atty was present, no program to better suit their needs was offered. CT is a state that enforces Predatory Lending. I have been asking questions to Wells Fargo for over 1 yr. to address & they have resisted. XXXX Vice President, XXXX XXXX & her " staff '' are making a mockery of the CFPB by continually not addressing my questions. They sent a 41 pg. redundant PDF & not 1 of my questions was answered. How shameful. Again, where are XXXX XXXX & XXXX XXXX & where is their transcript? Why weren't my parents offered mtg. protection ins. should one of them die? Why was no attorney present to explain what was transpiring to my elderly parents? Wells was pd {$71000.00} on an {$81000.00} loan. I offered {$20000.00} from a reverse as a " short pay-off '' & Wells refused the offer. I will not pay for a criminal offense. XXXX XXXX calls me & has the gall to ask me if I have any questions? What does she think I have been asking for 1 yr & now am asking the CFPB to inquire? She is ridiculing both of us!
Consumer complaint received 2018-12-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (PA)

I applied for an Income Based Repayment program for my student loans back in XXXX/XX/XX/2018. I was sent a form asking for clarification on my past stubs because this company couldn't do the math and figure out that the pay stubs were two weeks apart meaning I get paid BIWEEKLY. My take home pay is {$0.00}, I am a waitress and make barely enough money to pay my rent. After TWO MONTHS of patiently waiting for this to be processed I reached out to their email communication team. I heard nothing back for over a week. I contacted again threatening regulatory action. I then applied for an Unemployment Deferment because they repayment plan was taking forever and my due date was coming .... A few days later I got a response that my program is approved but I am now due for {$6300.00} on XX/XX/2018! HOW IS THIS POSSIBLE!? I cant pay that? I just sent in my pay stubs showing I MAKE NO MONEY!! I need this fixed. That past due amount will tank my credit and I am working so hard on getting this all my debts settled. I cant do much more than give them everything they ask for! Please help me get the {$0.00} monthly payment I was told I qualify for based on my income. This has to be some form of predatory lending trying to take their time in processing these apps so they can make their money on the interest that keeps accumulating .... cant you see I am trying to do my part!!!
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis (OH)

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, and INNOVIS inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. Please remove any other variation on my name it is not accurate. My DOB XXXX. My only address is XXXX XXXX XXXX, XXXX, OH XXXX. 
My employer is XXXX I have had issues with unknown addresses on my credit report please remove the following addresses they are not accurate : XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXXXXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  The following phone numbers are not mine please remove : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2019-01-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I opened a checking account at Chase in XX/XX/XXXX and have had regular direct deposit going into the account. On XX/XX/XXXX I deposited a {$200.00} check from what I thought was from my other account from a different bank but I realized within a hour it was from a closed account from that bank and not my current account but since it was after banking hours late that night ( XX/XX/XXXX ) I contacted chase the next morning informing them that I deposited a check from a closed account ( I never withdrew any funds after the deposit ) Chase told me it would just be returned and I would be charged {$12.00} fee, on XX/XX/XXXX the check was returned and my account was closed without any notification or opportunity to correct the situation even after I contacted them the next morning letting them know it was a mistake and trying stop the payment. I need my bank account and wasn't trying to do any fraudulent activity. I would appreciate it if you all could rectify this situation.
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

I sent all required documents to have any Fraud alerts removed from my account. Please see the attached letter. 
Equifax sent a letter stating they updated an extended fraud alert on my Equifax Credit file.

I did not request this.

I want the Fraud Alert Removed!

I believe this is a way of discriminating against people who are requesting a credit card. I have applied for credit cards, and have been denied because of the fraud alerts on my account. 

ADDITIONALLY, THEY SENT THE REQUEST TO FOR AN EXTENDED FRAUD ALERTS TO XXXX AND XXXX. 

I WANT ALL FRAUD ALERTS REMOVED FROM MY CREDIT REPORTS1
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This CFPB complaint is being filed to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the EQUIFAX Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

This fraudulent, inaccurate, and false information consists of the following : 1- Fraudulent accounts : XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX opened on XX/XX/XXXX, XXXX XXXXXXXX opened on XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX XXXX Inaccurate addresses : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX LAST XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Incorrect name : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I have attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2019-01-02
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: Nicholas Financial Inc. (TN)

To whom this may concern : I am writing to you about the illegally fraudulent act of a inquiry on my credit by Nicholas Financial Inc XXXX, OH ( XXXX ) XXXX This illegal activity Nicholas Financial performed on my identity was around XX/XX/2018. 

I called the manager of the branch and spoke to a gentlemen named XXXX and asked him why did he pull my credit, and he stated To get your attention regarding a change in your personal information .. I have a great track of payment record and this was an unfair act that hurt me. I want us to take action and justice and seek damages regarding this company illegal act. 

This has caused me pain, stress and sorrows. This fraudulent act by this company caused damage to my credit FICO and has dropped my FICO score over - 100 pts causing me to lose the opportunity to purchase a home for my family and kids and also hurt my chances of me closing on the personal loan to help my family. Please, I am asking for you to remove this hard inquiry from my credit and help me take justice to this company. I do not want others to be affected but this illegal threatening way of practice. Please help me.
Consumer complaint received 2019-01-03
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (MS)

Sears has no proof what so ever I made a debit with them. If they investigated they can show me where I signed or authorized anything form them. I did not make this debit. They did not investigate anything. Several people have my SS number and have used it. Not me and one went to jail. 
XXXX XXXX
Consumer complaint received 2019-01-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (GA)

I have an account with PayPal and on XX/XX/2018 my account was unlawfully and suddenly frozen after a phone call. I called PayPal on XX/XX/XXXX to ask why are they allowing a client to open up a dispute with false information over six times after PayPal had already ruled in my favor over six times and released the dispute holds. After this phone call one minute later they unlawfully froze my PayPal account. PayPal know that I am traveling because at every port I enter I call them to inform them of the country Im entering. PayPal has left me and XXXX babies which are XXXX, XXXX, and XXXX years old in an emergency situation we are on a 30 day tourist visa in a foreign country with no way to buy food to eat or get back home. The funds PayPal is holding is my only means to support my family and get back home its the only account I have with money in it. I have reached out to PayPal and they have not displayed or expressed any recompense or empathy to my circumstances. I do plan to do a press release to gain maximum attention and exposure for my situation as this has been a night mare. PayPal is causing me and kids to violate the rules in the country we are now in because we have no way out or no way to buy food. My kids are crying all day and so am I because for 8 years Ive been with PayPal and have never done anything fraudulent or wrong. I really really need help so bad because again me and my babies are stranded and I dont know much else to do but expose PayPal everywhere I can and definitely seek legal counsel If this matter is not resolved. I requested that PayPal hold only a {$1000.00} of my funds on hold instead of all my funds to credit against future disputes because my dispute winning rate with PayPal is over 98 % and this year alone it was at its lowest. Please help me with this I am desperate to feed my babies and not violate my 30 day tourist visa.
Consumer complaint received 2019-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OR)

Please consider this my formal complaint against Equifax Credit Information Services, LLC. 
At the start of XX/XX/XXXX I ran my credit report and found Equifax was reporting a Bankruptcy chapter-XXXX discharged on XX/XX/XXXX.  I wrote them to dispute this derogatory report at least 3 times asking them to VALIDATE the bankruptcy report. They came back with it being verified as accurate each time. I made it a mission to find out how this was so. 
I wrote to the County Recorder of Deeds and the Bankruptcy Court in the county the bankruptcy was being reported from. They reviewed the Public Record section of the Equifax Credit Bureau and mailed me letters ( see attached ) which stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Equifax Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrectly, so I found out who these third-party companies are & requested my reports. I wrote Equifax again on XX/XX/XXXX and XX/XX/XXXX asking them to VALIDATE the derogatory report. XXXX, which Equifax clearly lists as the company they verified the bankruptcy with, does NOT list a bankruptcy on my report ( see attached ). 

- Per FCRA 623 ( a ) ( 5 ), If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
Consumer complaint received 2018-10-18
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: EQUIFAX, INC. (CA)

Opened a Brokerage+ Checking account with XXXX XXXX as my employer uses this broker for equity awards. I see two hard credit pulls on my credit report to open this one account. I didn't authorize the second credit pull. On contacting the customer verification team, I was told that the second pull was a mistake and that a request has been forwarded to the team 's manager to look into it/fix it. The turnaround time promised was 7 days. It has been almost two weeks and there have been no updates.
Consumer complaint received 2018-10-19
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: EQUIFAX, INC. (NY)

On XX/XX/2018, an unauthorized hard inquiry by XXXX XXXX XXXX XXXX XXXX was reported on my Equifax credit report. I disputed this unauthorized inquiry on XX/XX/2018. I read the dispute results on XX/XX/2018, in which Equifax stated they would not remove the unauthorized inquiry from my report and that I need to contact the creditor if the inquiry was unauthorized. However, no contact information for XXXX XXXX XXXX XXXX XXXX was provided in the dispute results or on my credit report. 

I have no account or dealings whatsoever with XXXX XXXX XXXX, nor have I applied for any account or credit with XXXX XXXX XXXX at any point in my life.
Consumer complaint received 2024-08-28
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. ()

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS XXXX XXXX. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.