davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-14
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8900.00}, {$23000.00}, {$11000.00}, {$0.00}, {$6900.00}, {$6400.00}, {$6100.00}, {$2200.00}, {$5700.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

4. XXXX IXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account. 

7. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6100.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 


-- COLLECTION ACCOUNT 10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Chime Financial Inc (GA)

As per the guidance from the XXXX XXXX XXXX ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within 4 business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX debt bondage and would like for all listed accounts to be blocked and deleted company information with XXXX, XXXX and XXXX. Please delete the following accounts : XXXX  {$1100.00}, XXXX {$750.00}XXXX XXXX XXXX {$2400.00}, XXXX XXXX XXXX {$650.00} and XXXX XXXX XXXX {$820.00}
Consumer complaint received 2019-04-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

I applied for a chase checking account of XX/XX/XXXX and I noticed there was message on the banker computer and he didnt read it but it saids dont open this account for this customer but this banker in XXXX Texas open a chase checking account no questions ask and I set up future payments so I can have my bills paid and the next day on XX/XX/XXXX chase decided to end a relationship with me and wouldnt tell me why since I didnt do nothing wrong and I had there credit card for 11 months with no issues and never been late or I never made a minimum payments and Im trying to restore my relationship was XXXX and I do think they are a good bank but I was wrong I had few reps were rude to me and being a smart XXXX and they refused to release my funds and I told XXXX that I have a upcoming direct deposit coming up this Friday on the XX/XX/XXXX and they told me I wont get it and it will be a huge delay and I explain to chase that if they dont give me my money that I worked hard for I will have to hired a lawyer and I feel like this is abuse and discrimination based on my race and my XXXX .... I also look on the banker screen while he stepped away and I noticed there was a charge off account back in XXXX I never applied for XXXX in XXXX I want XXXX open up a Fraud investigation on it ... XXXX has let me down and ruined my day and closed my checking account and I had to move money over and called my other banks and cancel payments and I end up getting charged a return check fee from XXXX XXXX Because XXXX block my payments XXXX  XXXX is unable to collect them
Consumer complaint received 2019-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (FL)

On XX/XX/2019 I logged onto my XXXX XXXX XXXX credit card account online to see if there was a bill due to be paid. My account stated that the amount of {$260.00} was due on XX/XX/XXXX so I went ahead and paid that amount. No where on there did it state that I was making an early payment if I paid on the day the bill was posted. I did notice when I was checking to see if my payment posted that a new balance of {$250.00} was due but I had clearly made the payment that was on the statement of {$260.00} which showed paid. So today which is XX/XX/XXXX I was charged a late fee of {$27.00}. I called and explained my situation and was told unfortunately because I made a proactive payment there was nothing they could do. I ended up having to dispute it. I spoke with someone named XXXX, who said it could take weeks to resolve and in the meantime I had to pay the {$250.00} or It would look as if I didnt pay my bill. I dont understand how they are legally aloud to post an amount due and a due date and when a customer pays they can say its a proactive payment!
Consumer complaint received 2019-04-30
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. (NY)

I have been living overseas, and unfortunately in that time I have been a victim of identity theft. 
I had a fraudulent credit card debt owed to XXXX XXXX in the amount of {$1600.00} USD. 
XXXX XXXX has since then sold the debt to two other debt collection agencies, XXXX XXXX, and XXXX XXXX XXXX. 
I have spent many hours on the phone corresponding with these companies and was finally able to prove that the debt is fraudulent and that it does not belong to me. 
I received a letter proving that the file was closed and that the debt is not my responsibility due to fraud. 
I sent the letter to all three of the credit bureau agencies, and only one agency, XXXX has complied and removed the debt. Equifax and XXXX   keep forcing me to open disputes, which last for 45 business days and then say that the debt is mine. 
Please note, that in the attached letter there is proof that the debt was removed from my responsibility, so I don't understand why XXXX and Equifax are refusing to remove the debt from my credit score. 
This is affecting my personal credit and in turn my entire financial wellbeing. 
Please assist me to finally make sure that Equifax and XXXX remove this fraudulent debt from my credit report.
Consumer complaint received 2019-11-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (IL)

This is NOT a new request but have further concerns, Midland mortgage company wants more funds as they have made up 6 different prices on the house when the balance owed on the house approximately {$21000.00}. CFPB # XXXX-XXXX andCFPB # XXXX-XXXX, and is it allowed for them to make up prices, pricing people out of their homes. The balance owed is approximately 21,000, the mortgage company. Yet the requesting approximately {$79000.00}.
Consumer complaint received 2016-12-13
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

We refinanced a loan we had with Ocwen loan servicing and in the payoff statement they included 60 days of interest. Only 39 days of interest were supposed to be charged since they received the payoff funds on XX/XX/2016. 
I have attempted to get a resolution from Ocwen directly, but they do n't let me talk to a supervisor and they say they need more time to investigate. No one seems to understand how the interest on the mortgage loans works. This was n't an FHA loan for them to charge the complete month of interest.
Consumer complaint received 2019-04-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DataMax Corporation (NC)

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1

681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) Th
e repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX, NC XXXX
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: STERLING JEWELERS, INC. (CT)

XXXX XXXX opened one or two credit accounts in my name by one or more of their store employees without my authorization or consent. The account ( s ) were opened at their XXXX store located at XXXX XXXX XXXX, XXXX, CT XXXX. The company was fined by the CFPB in the amount of XXXX XXXX for this type of behavior, their employees get you to apply to avoid charging you for services such as a watch fitting, they take your information and apply you for an account and state it is optional to open. However, it appears they in fact opened account ( s ) and they were used to make purchases which I did not authorize or make. I request these accounts removed from credit bureaus/collections.
Consumer complaint received 2021-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (IN)

XX/XX/XXXX - filed for forbearance with PNC as I was not sure what my employment future looked like after pandemic outbreak. Never received a statement during or when the forbearance ended as to what I owed compared to what I had payed. Then XX/XX/XXXX, I started getting notices in the mail that my account was in the rears and owed more than I could pay. However any extra that I tried to send was sent back, but then I would get another bill in the mail stating that I owed more than the normal payment. In the meantime, they wrecked my credit rating so that I can't even shop for another loan servicing agency. Up till I asked for forbearance, I had no issues with this company and I've had a mortgage with them since XXXX. In my opinion now, they are crooks and punish those who need help. After my financial responsibility with them is over, I will never do business with them again and I will tell my family and friends not to do business with them as they are too big to care about the little guy. 

XXXX XXXX.
Consumer complaint received 2021-11-30
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. (MI)

I have contacted equifax to remove this false fraud information from my credit report they have yet to do so. 

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 2019-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/18 I took an XXXX from XXXX XXXX to XXXX NY. I had Approximately {$80.00} in XXXX credits that expire monthly that I was happy to use as it was nearly the end of the month so I set the trip to charge my credits in full. However upon arrival in XXXX the XXXX drivers XXXX malfunctioned and showed the fare incorrectly as {$15.00} so only that was deducted from my credits, leaving approximately {$64.00} in XXXX  expiring credit. The the next day ( XX/XX/18 ) the driver contacted XXXX  and the fare was corrected, however now FRAUDULENTLY charging a chase card I had on file. This was an unauthorized charge, as my original ride was fully paid for in XXXX credits. This would be akin to a frequent flyer taking a flight, then landing and the airline charging his credit card INSTEAD OF DEDUCTING THE MILES. I contacted XXXX   several times throughout the next few weeks, and received multiple incoherent responses from them. I then contacted chase who informed that since the credit card was in my XXXX   account, XXXX has a right to charge it. XXXX refused to change the payment on the ride, and my credits ( I did not have a chance to utilize them in the following 24/48 hours ) were left to expire. 

I vehemently disagree with XXXX & Chase. I initially fully paid for my ride in XXXX credits, and if XXXX decides to change the method on me after the ride was paid in full, I need to be contacted. ESPECIALLY AS THERE WAS ENOUGH XXXX CREDITS AS INITIALLY SELECTED TO PAY FOR THE RIDE IN FULL. 

As you can see from my attached communication, the XXXX   reps seemed to indicate that the " XXXX credits were not selected for the trip '' as you can see in my attachment of my communication with them and the initial receipt, this is patently false. 

Chase needs to refund me my money, as this is clearly a fraudulent charge that was not authorized.
Consumer complaint received 2019-04-08
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 ()

I started using paypal to store money on my wallet, from the start it was good and now im unable to accept my money on paypal. 

They are frauds they forced you to update the app and now you cant use your own money, Paypal are frauds. 
They took my money.
Consumer complaint received 2021-04-16
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: BARCLAYS BANK DELAWARE (NY)

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, a credit company that I have had an account with in good standing with since XXXX, recently ( XX/XX/XXXX XXXX reduced my available credit by almost XXXX % without notice to me, and apparently based its determination on its unauthorized review of XXXX of XXXX credit reports, despite that all reports for me indicate, that as I have with PRV, I have paid all credit bills timely and sufficiently. 

More alarmingly, it reduced my available credit after I made a large payment toward the bill ( from XXXX to XXXX ). This is a XXXX  practice that I XXXX they are implementing broadly at this time. It needs to be reviewed immediately. The pure lack of notice is enough to suggest the XXXX XXXX  nature of its actions. When I spoke with the company today XXXX XXXX XXXX, they explained to me that they accessed XXXX of my credit reports, and due to my high use of credit available ratio, they unilaterally reduced my credit as soon as I paid XXXX of my bill off. This is going to go down with the XXXX loans made for mortgages if it's allowed to continue. Notice.
Consumer complaint received 2019-04-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (DE)

On XX/XX/2017, I was approved to receive {$17000.00} paid off from my student loans after applying for the XXXX XXXX Loan Forgiveness Program. I have attached the paperwork that Navient ( who was my loan company at the time Account Number : XXXX ) sent me that shows them approving my Loan Forgiveness. Last week, I found out that my loan forgiveness, {$17000.00}, was placed back on my account by my current Loan company XXXX. I have yet to receive any documentation of a clear explanation of why this has occurred, except from the person that I spoke to on the telephone at XXXX who stated that Navient made a mistake on my account and that I should have never received this amount in the first place.
Consumer complaint received 2016-07-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

I had a preoperative XXXX done in XXXX 2014 at XXXX XXXX XXXX in XXXX XXXX, CA. About a year later I received a bill for {$110.00}. I called my Medicare provider and subsequently I thought the matter had been settled.Now I am receiving letters and calls from a company called CMRE Financial Services for a company called XXXX XXXX XXXX XXXX. I have not been able to find the latter company anywhere. To begin with the bill for a XXXX was too high, it should have been approximately {$50.00}. I have contacted my Medicare provider many times and each time they have stated that the matter has been resolved. I feel that this company is trying to extort money from me that they know I do not owe. they are also charging interest on the bill which I do n't think they are allowed to do. I refuse to pay since I had Medicare at the time and the provider stated that the matter has been settled. My Medicare provider at the time was XXXX XXXX XXXX XXXX XXXX XXXX California. Please help me to settle this matter.
Consumer complaint received 2019-04-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION (TX)

I contacted the financial institution and requested to speak to a supervisor. I was promised on multiple occasions I would receive a call back because a supervisor was not available. I never received any calls nor written communication from the financial institution. I wanted to discuss my loans and qualifications for a future loan. Recently I applied for a loan and was told I needed a co-signer. I'm uncertain as to why I'm unable to qualify on my own. I'm still unable to get someone on the phone to assist me with my inquiry. I want to know why I was denied a loan on my own. I have just one more semester until I graduate and I begin working full-time. If they are unable to assist then I will consolidate my loans and take my business elsewhere.
Consumer complaint received 2019-04-08
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: JPMORGAN CHASE & CO. (FL)

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX  AND XXXX. 
ACCOUNT NAME : CHASE CARD, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : CHASE CARD, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX  AND XXXX 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX.
Consumer complaint received 2016-06-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credence Resource Management, LLC (PA)

XXXX XXXX XXXX CLAIMS THEY GAVE THEIR SERVICE TO ME IN THE STATE MICHIGAN. I HAVE NEVER BEEN IN THAT STATE SO I AM NOT THE ONE THAT THEY GAVE THAT SERVICE TO .SO I FEEL I AM NOT THE ONE TO PAY THIS BILL
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. (FL)

My credit information is being used incorrectly and without my authorization by the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), which mandates that only individuals or entities with a legitimate purpose can access and handle my credit history, I believe the bureaus have violated my rights by maintaining or distributing information without my explicit consent. I request an investigation into the misuse of my data and ask that my information be safeguarded in accordance with the applicable regulations. 
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 XXXXXX/XX/XXXX