davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (PA)

Date : XXXX XXXX, XXXX Complaint Filed Against : XXXX XXXX XXXX XXXX Company Nature of Compliant : Fraud, Extortion for Money To whom it may concern : I intend to report a case a of fraud by XXXX XXXX XXXX XXXX XXXX XXXX In the past, I had been a member of XXXX XXXX XXXX XXXX and at one time frequently used their work-out facilities. I have recently decided to end my membership with the gym and followed the correct procedures to cancel my membership by sending a letter to the local gym XXXX with my intent to cancel in XXXX XXXX. 

Despite following the proper method for canceling my membership, XXXX XXXX, the company who handles the billing for the gym had continued to charge my credit card on file each month for {$19.00}. After I had the credit card changed for security purposes, I began receiving very suspicious calls from XXXX XXXX XXXX that claimed I still owed them a monthly bill for for a membership I had already canceled. 
Furthermore, XXXX XXXX informed that even through I had canceled my membership they were still going to charge me regardless of what actions I took on my end to inform them of the cancellation. What was most upsetting is, they let me know that I was never allowed to cancel my membership ever and if I ever attempted to challenge the debt or try to cancel my membership again they would send me to a collection agency. After this, they have repeatedly attempted to extort me for a bill which I do not owe them and have threatened me and my XXXX XXXX if I dont continue to give them money for a gym membership I have canceled already. 

XXXX XXXX has an extremely negative reputation with consumers and has literally thousands of complaints filed against them on consumer websites across the web. I have done some research into companies history and they have the lowest possible rating with the BBB and have extensive list of poor ratings and allegations of fraud on almost every consumer review site online. Based off my personal experience and the innumerable complaints against XXXX XXXX, I do not believe they are a legitimate organization and give them no credibility at all. 

In summary, I expect immediately XXXX XXXX to acknowledge my cancelled gym membership and drop all the fictional debts they have made against me. I refuse to pay any money to this group of frauds and my attorney has advised me not to engage in any contact with them. 
Thank You
Consumer complaint received 2018-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

On the dates of XX/XX/XXXX toXX/XX/XXXX. The transactions seemed not timed well and alerts seemed delayed at times again. This seems to happen around the XXXX to XXXX or so of every month at times. I would love to see smooth transactions. It is almost as if one individual at Chase is consistantly touching on my account to cause fault. Hopefully Chase can trace its employees actions if unusual. If it can happen at XXXX it can happen to a customer.
Consumer complaint received 2018-03-27
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: Home Loan Center, Inc. (DC)

XXXX 1. Navigated to XXXX XXXX to obtain auto-refinance rates 2. Entered information to identify myself 3. Upon completion of profile, I was asked to provide the LAST 4 DIGITS of my SSN a. This is the misleading part - although it appears I may have authorized them to pull my credit from the last of the terms, I DID NOT KNOWINGLY AUTHORIZE THEM b. See attached screenshots 4. Called XXXX XXXX - they say I did authorize them to give out my FULL SSN ( not last 4 ) to 5 lenders and those lenders could pull my credit.

This is an incredibly misleading practice. Provide LAST 4 of SSN and they go out and provide my FULL SSN to 5 lenders ...
Consumer complaint received 2017-10-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (OH)

I had not been informed of the 500 % interest rate on the loan, I was told there would be a {$270.00} finance charge, not {$3300.00} in total payments, and I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. This has to be illegal and they give me run around on the phone and calls keep getting disconnected
Consumer complaint received 2017-10-30
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: Experian Information Solutions Inc. (FL)

This is a complaint against Experian Department XXXX XXXX XXXX XXXX. I am a victim of identity theft, I have more than a year trying to fix this situation and they do not do anything they arrange nothing, when you call them on the phone they say they are not available and that they call you back and I am waiting for you until today. 
It is a platform of obsolete workers, they stayed in the past in terms of solutions and above that they do not fix anything, they violate the federal law of credit. When a citizen has negative accounts and is a victim of identity theft and has a report, these accounts must be eliminated from the credit bureau in the next 5 days. On the other hand I can not make disputes via online because they have blocked access. what kind of credit bureau is this that does not work. I 'm already going for more than 2 years with this problem. Dispute staff and fraud department staff are poorly educated and do not help you find a solution.
Consumer complaint received 2017-10-25
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank closed account XXXX/XXXX/XXXX but unknown to me. I traced account to XXXX XXXX, XXXX with a balance of {$480.00} and noted activity fees as of XXXX XXXX, XXXX up to XXXX XXXX, XXXX. WFB asserted total fees of {$510.00} and managed to reversed {$300.00} of fees owing me a balance of {$210.00} A savings account surfaced during researching unknown ck account. The savings account traced to XXXX XXXX, XXXX to XXXX XXXX, XXXX with activity fees total of {$290.00}. Wells Fargo Bank failed to disclose non active status of both accounts to account holder all these years. Both accounts deemed dormant but WFB kept asserting fees to wipe out small balances remaining for years.
Consumer complaint received 2017-10-25
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Performance Settlement, LLC (CA)

I am a licensed attorney in the state of California. I have always paid my law student loans on time. I received robocalls that left voicemails on my personal cell ( my cell XXXX ) : 1. ) Fri XX/XX/XXXX at XXXX PT from XXXX, and 2. ) Wed XX/XX/XXXX at XXXX PT from XXXX. 

Both voicemails failed to identify the company name ( red flag ), but both left the same return phone number : XXXX. 

I called, today Wed XX/XX/XXXX at XXXX PT, and I spoke with " XXXX. '' I asked him what company he was with. He mumbled " Performance [ inaudible ] LLC. '' When I asked follow-up clarifying questions, it was abundantly clear that he did not want to disclose the name of the company or allow me to get clarity ( another red flag ). I surmised that the company was based in California because of the XXXX area code. I XX/XX/XXXX " performance LLC student loan '' and found their website : http : //www.performanceslc.com/. He hung up after 2 minutes, 47 seconds. 

I called a second time at XXXX and spoke with a woman. This time I requested that my phone number be removed. She said that they would do so. But there is no way they could have because they did n't even have my first name, and I called from my office line -- not my personal cell. She hung up after 33 seconds. 

I want them to remove my phone number, which they should n't even have because my phone number is on the FCC Do Not Call registry. I find their business practices underhanded and lacking in transparency. For that reason alone I would avoid them.
Consumer complaint received 2018-03-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

The current loan with Freedom Mortgage corporation was acquired from another mortgage company a couple of months ago. My mortgage payment is due by the first of each month, grace period until XXXX. I use the Autopay of my bank on XXXX of each month. I checked with my bank and was told that my bank usually mail out checks a few days ahead. Freedom Mortgage deposited the checks on XX/XX/XXXX and XX/XX/XXXX. I received the late payment charge for XXXX and again on XXXX. I called Freedom Mortgage several occasions for the problem. They always blamed the USPS not very reliable, which may not be true. Finally one person from Freedom Mortgage admitted that their system was down so that they could not process payments on time. They reluctantly waived my late charges and warned me that they would not waive any more. The mortgage company put unnecessary burdens and blame on a borrower for a problem of their own.
Consumer complaint received 2017-10-29
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. (PA)

To Whom it may concern I have sent Multiple Inquiry removal letter on XX/XX/2017 and XX/XX/2017 via Certified mail to XXXX XXXX and Transunion. The request I submitted included information on 45 inquiries ( XXXX ) 49 ( Transunion ) and 25 ( XXXX ) Inquiries that were all not factual and I received the same response for all inquiries which was 'Inquiries are a factual record of file access. If you believe this was unauthorized please contact the creditor ''. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and must be investigated and if you do not investigated and respond the CRA must delete the disputed information from its file. I also disputed accounts that are unverified and inaccurate but are still being reported to my file. I plan on purchasing a home in the near future and I fell the actions that are being taken regarding my disputes are an unfair practice by a credit reporting agency for the credit worthiness of a consumer.
Consumer complaint received 2018-03-27
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. (MS)

First someone used my social security number is not mines nor mines. whomever had this acct they turned the car n but it is on my credit report as a repoe I have no knowledge of this car at all
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MN)

My information was compromised due to the Equifax negligence. I contacted Equifax about this information. Equifax has granted the TrustedID program and waiving the freeze fee by Equifax. However, there are other agencies where my information is at risk due to what Equifax has done. I have to put a freeze on my account with those agencies as well. Those freezes cost money. Equifax should cover the fees of putting these freezes on my account with other agencies because without the negligence from Equifax I would not have to put these freezes on my account.
Consumer complaint received 2017-10-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RAYMOND JAMES BANK (NV)

Credit Score Disclosure XXXX Ref. # XXXX. 
XXXX/XXXX/XXXX Prepared by Raymond James Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TID # XXXX XXXX/XXXX/XXXX XXXX Prepared by XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX I/we did not apply for a mortgage nor did we ask anyone to check our credit for a mortgage.
Consumer complaint received 2017-10-29
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. (MS)

I have tried twice to have Equifax remove XXXX medical bills that belong to my sister, XXXX XXXX XXXX XXXX. I personally called the recollection agency and checked to see if the bills were listed under my sister 's SSN and not mine. They informed that the bill was associated with my sister 's XXXX. The bills date to XXXX and XXXX XXXX. XXXX is for ambulance service totaling {$1500.00} and a medical bill XXXX {$640.00} XXXX for XXXX XXXX, both in Louisiana. I have told Equifax that because my sister and I have similar first names, someone at Equifax got us confused and placed the medical bills under my name. But if they would check the XXXX 's, they will see that the bills are not associated with my XXXX. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2017-10-27
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: WELLS FARGO & COMPANY (TN)

On XXXX XXXX, XXXX I went into to a local approved dealership from my pre-approved finance company and provided all the information for the dealer to send my final numbers over to the creditor. When I logged into my email I received notifications that my credit had been ran through several loan companies that they do business one and the finance company I provided was not. When I went in the next morning they proceeded to tell me they we looking for the best rate and no one mentioned I already was approved but I provided all the paper work the day before I left, claiming they were looking for the best rate in which I did n't authorize. Also while I was in the dealership I asked to run the numbers with my finance company and my rates were better than what they tried to offer me and they only ran my numbers by my preapproved the next day after I declined their companies services. Needless to say I have 4 unauthorized hard inquires on my report.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2017-10-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MD)

I am writing because I had a mortgage with XXXX. I received a letter on XX/XX/XXXXnotifying me I could apply for a loan modification. I filled all of the requirements. On XX/XX/XXXX I received a letter notifying me I was approved for a loan with XXXX. The letter outlined our schedule with payment coupons. Enclosed are copies of the coupons and canceled checks. I paid all payments on time. Again on XX/XX/XXXX I received another letter form XXXX stating I qualified for mortgage loan assistance. I assumed the letter was an error. the letter is dated after XXXX accepted our second payment. A payment was paid to XXXX on XX/XX/XXXX, for XXXX, coupon # 1.Second payment coupon # 2 paid on XX/XX/XXXX.Unexpectedly I received a letter from XXXX notifying me that my loan would now be serviced by Bayview Loan Servicing, as of XX/XX/XXXX.XXXX did not abide our existing loan modification agreement. Afterwards I received a letter from Bayview Loan stating they would now service our mortgage as of XX/XX/XXXX.The letter was dated XX/XX/XXXX.Bayview then sent me a statement that the date of default was XX/XX/XXXX, this was untrue. A copy of item # 10 Illustrates. How can I default on XX/XX/XXXX, when they did not have possession of the mortgage untilXX/XX/XXXX? Again Bayview sent a statement dated XX/XX/XXXX that the date of default was XX/XX/XXXX.After that I received paperwork dated XX/XX/XXXX from the law firm XXXX, XXXX XXXX XXXX had filed fraudulent papers in the XXXX County Circuit Court that the mortgage holder was XXXX XXXX. 
Likewise, I was default as of XX/XX/XXXX.Enclosed is a copy, item # 15, listing law firms as filling fraudulent papers for mortgage companies. XXXX XXXX has not been possession of my mortgage for years. XXXX XXXX can not foreclose on a property it does not own. If XXXX XXXX is the legal possessor of our mortgage, then XXXX has fraudulently been collecting mortgage payments for years. Also, enclosed is a copy of a check I received from XXXX dated XX/XX/XXXX.The check is from a law suit settlement for accounts with XXXX balance/bankruptcy or had foreclosed on property. Item # 22.  Now our home is in threat of being auctioned on XX/XX/XXXX with fraudulent paperwork. I have not applied for a loan modification, because who owns our mortgage? Who do I apply with? Likewise I have not contacted any of Bayview 's staff because who do I discuss this matter with. I have no trust in any of the forenamed companies. Frankly, I do not have confidence in their honesty. Will the next mortgage company abide by their modification? Obviously, XXXX did not. My husband had XXXX XXXX XXXX, a XXXX and numerous hospitalizations in XX/XX/XXXX.His doctors have informed me his health can not endure further excessive XXXX from this outrageous mortgage fiasco. I have been advised by legal counsel to request they " produce the note '' for my mortgage.
Consumer complaint received 2017-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NJ)

I did submit on XXXX. ( complaint number XXXX ) and amex sent a mail about they are working to resolve the issue as quickly as possible and apologize for the disappointment. after 3 month, nothing!!!
Consumer complaint received 2017-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

My complaint involves two banks, XXXX XXXX XXXX XXXX, and Citibank. 
I did my banking with XXXX for several years. XXXX is a very small bank with very few branches in all of XXXX XXXX XXXX, and most of them in very inconvenient and dangerous locations. I found the service to be poor, and often uncooperative, so I decided to close my account. I decided to open an account with Citibank. I attempted to close my account with XXXX and they refused to allow me to do so. They basically held my funds and refused to close my account. I opened an account with Citibank and requested their help with XXXX XXXX The Citibank representative told me that I could wire-transfer my funds from XXXX to my new Citibank account. I did so with three wire transfers, as I was not totally sure how the process worked. But before I could complete the transfers, all of my funds, both the XXXX and the Citibank accounts, were blocked. 
I am presently without any and all of my money. No one will give me any information, and I desperately need help.
Consumer complaint received 2017-10-27
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: ALLY FINANCIAL INC. (TN)

On XXXX XXXX, XXXX I went into to a local approved dealership from my pre-approved finance company and provided all the information for the dealer to send my final numbers over to the creditor. When I logged into my email I received notifications that my credit had been ran through several loan companies that they do business one and the finance company I provided was not. When I went in the next morning they proceeded to tell me they we looking for the best rate and no one mentioned I already was approved but I provided all the paper work the day before I left, claiming they were looking for the best rate in which I did n't authorize. Also while I was in the dealership I asked to run the numbers with my finance company and my rates were better than what they tried to offer me and they only ran my numbers by my preapproved the next day after I declined their companies services. Needless to say I have 4 unauthorized hard inquires on my report.
Consumer complaint received 2017-10-25
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

I got a Home Depot credit card with {$500.00} limit, passed through XXXX credit system. The bank for the home depot is Citibank. During the application process, the store clerk typed my address and phone number wrong. I was never been able to correct my address and phone number with Citi after talking 20 times. They asked me to call from " that number ''. I do not know what the number the store clerk put in by mistake. 

They put also address WRONG. 
Wrong address is XXXX XXXX  XXXX. XXXX. XXXX, XXXX XXXX, CA XXXX. 

" The CORRECT address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. '' I purchase {$300.00} worth the stuff USING THE DATE OF APPROVAL and I paid promptly. Citi is hassing me to the infinity TO CORRECT THIS STUFF. CARD IS NOW FROZEN/INACTIVE Either they correct my address and they can reach me at ( XXXX ) XXXX. 

Also I have the possesion of the card. Citi is a crooked and unethical bank. I even went to Home depot and showed my driving license and I paid through my personal check.
Consumer complaint received 2017-10-27
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: Fidelity National Information Services, Inc. (FNIS) (GA)

I requested my ChexSystems report and noticed : 1. My report has 5 different addresses which needs to removed. 
2. My name should be XXXX XXXX XXXX, no other name. 
3. This company has me listed as owing 2 banks : XXXX XXXX XXXX in the amount of {$340.00} and XXXX XXXX for $ XXXX am not aware of either of these accounts.In which they have an address that I 've NEVER resided. 
After being denied by a credit union for checking/savings account, I was informed of these accounts. In which they have an address that I 've NEVER resided. 

I have sent a letter to update all of my information and to remove these accounts from my report, as it is preventing me from opening up bank accounts. 

There has not been any resolution to this issue. 

Please investigate.