davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Prince Parker & Associates (OH)

This company called me and asked who my mom was before they introduced themselves to me or informed me that they were trying to collect a debt. Very unprofessional in their handling of this situation. I was hung up on three times and heard some very rude statements about why we did n't pay the bill sooner. We never received a final bill from XXXX XXXX XXXX after switching to XXXX. I am authorized to make changes to the account with XXXX XXXX XXXX but the account is formally in my mom 's name and our access to the account was revoked the moment we switched. Three months later we 're getting calls from this collection agency without a detail of the bill that is well over the amount we should have owed and they wo n't offer a contact number to verify the amount of the debt. Even stated " Tell your mom good luck in resolving this '' before hanging up on me.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$650.00} XXXX XXXX   XXXX XXXX {$420.00} XXXX XXXX XXXX   XXXX XXXX XXXX XXXX   XXXX {$1000.00} XXXX XXXX {$1100.00}
Consumer complaint received 2023-03-20
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 third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX on XXXX XXXX, XXXX  XXXX
Consumer complaint received 2020-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IN)

On XX/XX/XXXX Shellpoint Mortgage Services LLC ( New Rez ) Received and cashed my mortgage payment check # XXXX for {$1500.00}. My bank provided to me front and back copies of the cancelled check. On my end everything was paid on time as per our mortgage agreement. 

Shellpoint Mortgage Services LLC ( New Rez ) did not apply my payment to my loan account. 

On XX/XX/2020 I received my mortgage bill in the mail, it did not show the XXXX payment, so I immediately called Shellpoint and confirmed with my bank that the check I had written had cleared - the check was presented to my bank un-altered and cleared my bank without any incident. Shellpoint told me that I would need to provide to them proof of my payment to include front and back copies of my check and bank statement showing the check had been paid and cleared to a " XXXX ''. I immediately provided this information in complete form. 

On Monday, XX/XX/2020 we received notices from New Rez that we were in default. My husband who is also on the Mortgage called them to see where we were in resolving their error on our account. We were both on this call, and we were told that they had received the information requested and if we could please be patient and just ignore the system notices we were receiving. We were asked to pay the XXXX payment over the phone and included a {$15.00} fee that they were not allowed to wave. We set up automatic payments for the next 6 months even though we had always paid them by mail. 

On XX/XX/2020 I received another notice about foreclosure with a single point of contact listed as a XXXX XXXX - XXXX. I immediately forwarded to her all the information and documentation I had sent and was told was attached and received by them. 

I am sick about this - I have done NOTHING wrong. I have paid every single bill coming to me, never have I ever in 20 years of having a mortgage ever experienced something like this. They have my money and refuse to address an error that is appearing to be larger than just my issue. 

I have showed this information to others in the banking industry and they are shocked that they have not corrected the issue on there side of things yet. 

I also received a notice from Insurance company that they had not paid the premium held in our escrow account. However I have discovered they did pay the County Taxes in the same escrow account. 

Please help me get someone there to immediately correct this issue as I believe a timely acknowledgement and response is warranted.
Consumer complaint received 2023-03-20
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. (IL)

Fraudulent charges were made to my Chase card over XX/XX/XXXX - XX/XX/XXXX. On XX/XX/XXXX I became aware of these fraudulent charges and I contacted Chase by phone to report them. I still had my card in my possession ( the card itself was not stolen ) so there was one legitimate charge and the rest were fraudulent, which I identified at that time. They conducted their internal fraud investigations and determined today ( XX/XX/XXXX ) that I am responsible for most of the fraudulent charges. Of the {$2100.00} fraudulent charges, Chase claims only that I am not responsible for {$320.00} - meaning I am being held responsible for {$1700.00} of fraudulent charges. 

Additionally, when I spoke with a Chase representative a few days ago, while they were still finalizing the investigation, the rep stated in response to my question about how the charges might have occurred despite the card still being in my possession, that it was " entirely possible '' that my card information/numbers might have been swiped and used via XXXX XXXX or some such application for the in-store purchases. 

Summary : {$2100.00} ( 15 transactions ) of fraudulent charges XXXX ( 5 transactions ) - covered XXXX ( 10 transactions ) - not covered Fraudulent charges made XX/XX/XXXX - XX/XX/XXXX I contacted Chase XX/XX/XXXX
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: W&A Intermediate Co., LLC (IN)

ax WAKEFIELD & ASSOCIATES ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) - Payment Status : - Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department - Last Reported : - XX/XX/year> For the amount of {$1700.00} Which is illegal under the FCRA to assign to any third party or debt services without my written consent
Consumer complaint received 2023-03-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc. (CA)

I had downloaded an app from XXXX on my iphone on XX/XX/XXXX that I saw an add for that stated its service would allow you to see what kind of person your soulmate was. Upon downloading I realized it was a horoscope app that was confusing and difficult to navigate. I spent about 3 minutes in app and that's it. I forgot to delete the app and was charged {$29.00} on XX/XX/XXXX. Yes I am to blame for not deleting the app, but I also did not have a card on file that could be charged. XXXX proceeded to charge it to a card I had cancelled when I reported it lost/stolen on XX/XX/XXXX to cash app. It is a cash app card. I first filed a dispute with XXXX that was denied. I asked for a review which was also denied. I then contacted cash app wich has denied my dispute 3 times in app. I filed a complaint with the XXXX I was then contacted by XXXX from Cash app executive relations team who informed me that they reviewed my dispute again and again found no errors with the charge. They stated that a merchant can force a transaction through to my account regardless if I lock my card or report my card lost or stolen. Since I filed the report against cash app they have made it nearly impossible to use my cash card for purchases, blocking transactions due to claims that it is blocked due to unusual activity. These blocked charges have been made to the merchants multiple times in the past from my account so to say they are really blocking the charges in my best interest is ridiculous. Also my mom sent me a {$20.00} payment which they help for hours before making it available to me, which is never the case prior to this. Transactions that are seen in my history are available as soon as they post, but not since the complaint was filed. I then contacted XXXX again, this time text to a live agent and they said they tried to issue a refund but I highly doubt that. It was unable to be processed. I'm not sure why this particular charge is sticking. Every other time I had a charge go through that I didn't intend on making I have been issued a refund without a problem. This time even though the card was invalid they are not willing to give me my money back. I feel that based on the circumstances of the card that was charged was reported lost or stolen 4months prior to me downloading this app, it should not be a valid transaction and I should get my money back
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC. (MA)

I canceled equifax credit services and they keep enrolling me in it, without my consent, as well as trying to charge my card after cancellation without my consent and making it difficult for me to cancel online, and offering me no explanation when I called in to stop them from charging me for the membership I canceled. Dropping my score when the payment fails. Disabled my cancellation button after I cancelled. When I called the answer I received was I canceled in the middle of a bill cycle so the product does not cancel even though I cancelled it. I dont understand the explanation they gave me when I called them.
Consumer complaint received 2023-03-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions

15 U.S.C 1681c. (a)(5) Section States: no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 (A)(1) A person shall 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 2023-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2023-04-29
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NBT BANCORP INC. (NY)

Our mortgage lender NBT Bank has denied us access to government programs to help struggling homeowners and we are now in the first stages of foreclosure. My husband and I bought our home with a USDA loan and live here with our XXXX boys, ages XXXX, XXXX and XXXX. We had financial struggles during Covid and contacted our lender NBT Bank to see if they could offer any type of help. The agent was rude and condescending and said there were no programs except for find a way to pay us or we will take your house. I was not able to work due to Covid shutting down my position and we did not know about the CARES act forbearance and did not know that there were any loan modification programs for distressed homeowners and NBT Bank did not want to tell us about any options. We were very frightened and had to apply for a loan from my husband 's 401K to get caught up, a loan we are still having to make payments on from my husbands check. After getting caught up and going back to work we had no problems with payments for about a year until I got XXXX and it was a XXXX XXXX XXXXXXXX and the doctor told me I needed to stay off my feet and again we lost my income and the good news now we have a healthy XXXX XXXX XXXX son but it was hard to keep up with the mortgage payments. We contacted NBT Bank to see if they would work with us on the payments or if they could help us, and they said we would have to pay 100 % of missed payments and late fees and legal fees or they would put us into foreclosure. We just got letter from Attorney last week and we are now in foreclosure. My husband has a good job, he has worked as a XXXX  and is now the XXXX XXXXXXXX XXXXXXXX at the local XXXX XXXX. I had been working as a XXXX XXXX but when Covid came they shut down my district for XXXX. A few months after I went back to work I became pregnant and we lost my income again. At this time my husband has taken a second job working as a XXXX XXXX XXXX XXXX. We no longer have a problem with the mortgage payment, the only issue is that NBT Bank is telling us we need to pay them {$15000.00} in one payment or we are going to lose our house. We now know that NBT Bank is required as a servicer of a USDA loan to consider us for several different distressed homeowner options which they have told us did not exist in the past.
Consumer complaint received 2023-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (DE)

To whom this may concern, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 

Please delete the following inaccurate names : List of misspelled or inaccurate names : 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 Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) : for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates.

CREDIT REPORTING AGENCY NAME has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, or written instructions to do so. These actions have caused my family and me a great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance with these particular items that you are reporting under FACTA Title 1 sec. 151.

I have enclosed copies of my state-issued identification and social security number to validate my identity.
Consumer complaint received 2023-04-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (IL)

XXXX shows incorrect record from Merchants Credit Guide for a medical record not owned by me. They show records from that hospital multiple times. I have tried to reach many times to them and they validate that the person they intent to report is not me but someone else but again next time that appears in my report. I have lodged a complain with them sharing my Id details and report too.
Consumer complaint received 2023-04-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MD)

I moved to the state of XXXX XXXX XXXX around XX/XX/XXXX. I online, open accounts in chase XXXX XXXXXXXX XXXX With a XXXX  identification card numbers are. 
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 
Routing numbers XXXX. XXXX XXXX. XXXX I lost all my checking account numbers, before moved to XXXX XXXX
Consumer complaint received 2023-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Apex Processing (OH)

I signed up with this company to assist with consolidating my numerous student loans and to assist with The PSLF program. I feel like I was misled after speaking with both of my loan servicers today. I was told by a representative from APEX, that I would have a smaller monthly payment around {$400.00}, and most of my loan would be forgiven. I paid them {$1200.00} in 6 monthly installments, with the last one paid in XX/XX/2023. I had not heard anything from them since XXXX so I sent an email in XXXX to get an update. I was told that a message was given to the rep that was handling my account. I called back in XXXX and requested more information regarding the status and if I could get a letter regarding how much my payment was going to be. I was told my payments were going to be around $ XXXX at this time. I was told someone would be in touch. I did get a request for paystubs so I did send them and received an email they were received. 
I got another email from one of my student loan servers that an income driven application was received, but no income was received so it was denied. I also found out from the department of education that my loans were already supposed to be consolidated so they could be submitted for the income driven application. 
I have been warned I may have been a victim of a scam that was going on last fall with the PSLF applications. The only resolve that I would like is to have this company to stop all actions on my account and refund my money. I will communicate with the department of education and the loan servicer moving forward about this account.
Consumer complaint received 2023-07-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite my persistent efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a significant and detrimental impact on my life, causing immense stress and XXXX I want to emphasize that I did not authorize any of this information to be associated with my name, as I have been a victim of identity theft.