davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-01
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Dear Sir and madam, I am writing to report an incident involving a fraudulent charity activity that I encountered recently. Below are the details of the scam : On XX/XX/XXXX, I received an email from XXXX XXXX about participating in a charity initiative. The activity involved purchasing gift cards for a charity that claimed to support orphans and the homeless. The compensation was stated to be {$450.00} per week for working flexible1-3 hours daily. 
I agreed to participate and began on XX/XX/XXXX. XXXX XXXX ( email : XXXX ) sent me a {$500.00} check via email, which I deposited into my XXXX account using mobile banking. The funds appeared to be immediately available, so I purchased a {$500.00} Apple gift card from a nearby XXXX and sent the card details to XXXX XXXX ( email : XXXX ). 
I repeated this process on XX/XX/XXXX. On XX/XX/XXXX, I became suspicious and asked for the charity 's address. They provided an address that matched an actual charity online, which reassured me at the time. 
On XX/XX/XXXX, I noticed that the check from XX/XX/XXXX, had bounced. I contacted XXXX XXXX, who then sent me another {$1000.00} check. I deposited it, and it again showed as immediately available. I bought another {$1000.00} worth of Apple gift cards and sent them to the scammers. 
Believing the activity to be legitimate, I continued on XX/XX/XXXX, and XXXX, XXXX, purchasing a total of {$3000.00} in Apple gift cards. On XX/XX/XXXX, I discovered that all the checks had bounced, and I was unable to reach XXXX XXXX. 
Due to my lack of understanding of check payment risks, I initially believed the funds were available when my mobile banking app showed the deposits as cleared. However, the checks were fraudulent, and my bank could not retrieve the funds from the originating account. 
I am requesting your assistance in investigating this matter and taking appropriate action against the individuals involved in this scam. 
Thank you for your attention to this matter. 
Sincerely,
Consumer complaint received 2024-07-31
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PayTomorrow, LLC (NY)

Pay tomorrow currently calls at least 3 times per day, Monday thru friday, at times between XXXX and XXXX. When I spoke with them I told them that I work over nights and do not get home until around XXXX and ask them not to call until XXXX as that is when I get up to get ready for work. Not only do they continue to call during the times that I've asked them not to, but even after I hung up the phone with them I recieved 2 more calls that day and 4 calls the next. They have filled up my voice mail calling 3-4 times a day while I am trying to sleep for work. They have stated that they will continue to call every single day even after I told them verbally to cease and desist. I have asked to talk to the supervisor, and was denied. I asked for the supervisors number and was denied. I have asked for the corporate number and was hung up on. I have tried to explain my current financial situation and asked them to stop attempting to over draft my banks, and they still continue to attempt to pull money from the 3 cards they refuse to remove from the account.
Consumer complaint received 2024-07-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Assistance Inc (NY)

This company never provided a copy of the original contract between myself and the original creditor where I AGREED to the assignment of the debt ; with my actual ink signature. Anything outside the scope of this evidence constitutes defamation of my character and I will be forced to take legal actions against you and Financial Assistance Inc because you are violating my consumer rights. This account is inaccurate and violates laws 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb.
Consumer complaint received 2024-07-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P. (MN)

{$2000.00} Open balance LVNV FUNDING LLC Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name LVNV FUNDING LLC THIS COMPANY IS NOT THE ORIGINAL CREDITOR AND PLACED A JUDGMENT FOR COLLECTION ON SOCIAL SECURITY INCOME. FURTHER MORE THIS WAS TO BE REMOVED IN XX/XX/XXXX AS MN STATE LAW REQUIRES FOR CREDIT CARD COLLECTIONS. FURTHERMORE THEY ARE COLLECTING INTEREST THROUGH XXXX COUNTY JUDGEMENT ON XXXX XXXX XXXXXXXX ACCOUNT FROM XXXX. OVER XXXX IN COLLECTION COSTS KNOWING FULLY THE INCOME. THEY ARE NOT THE ORIGINAL COLLECTOR NOR ARE THEY REPORTING CORRECTLY.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (PA)

XXXX for XXXX XXXX XX/XX/year> & XXXX XX/XX/year>. These were not authorized by me. Please remove. 

I applied for an AMEX credit card XX/XX/year>. Amex pulled from XXXX and XXXX which left me with XXXX hard inquiries on my credit report for XXXX credit card app. I called to have this issue corrected and I was told I needed to dispute it with the credit bureaus. This has been frustrating to say the least because the credit bureaus has not been helpful either. I am asking for this to be corrected ASAP.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I filed for bankruptcy and it was discharged but for some reason XXXX  XXXX account is still open. It should be included in bankruptcy. Tried to dispute account but having issues
Consumer complaint received 2021-05-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

I have mailed the 3 credit bureaus requesting validation of debt being reported on my credit profile over 30 days ago and until now I have still yet to receive a mail stating the status of my request or an update. I have mailed a follow-up letter requesting such information and haven't received a response
Consumer complaint received 2016-04-22
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (PA)

I feel that I am a victim of unethical and deceptive lending practices by Nationstar Mortgage. Prior to XX/XX/2015 my account was perfect. In or around or even just prior to your XXXX/XXXX/2015 being due, I contacted them and asked them for assistance in that I was not having ample funds to make the XXXX 2015 payment before month end due to a weather related repairs that needed to be made ASAP. The lender rep you dealt with brought up the possibility of a modification to your loan. I informed the rep that both the XXXX AND XXXX payment in the month of XXXX ( as you knew you 'd be getting your {$2500.00} for the golf coaching stipend ). I understood my credit bureau rating would have then reflected a XXXX delinquency for the month of XX/XX/2015. 
Instead, the rep suggested I signed up for this loan modification ( making me think this was my only option ) which in turn severely hurt my credit. When I started getting calls about missed payments ( I was still paying monthly ), my rep stated everything was fine. Currently, I am not receiving any return phone calls from this company.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act
Consumer complaint received 2016-04-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

We recently received a mortgage statement showing our escrow account increased by a little over {$460.00}. Which is over double what the current escrow payment amount was. We never received an analysis until we called and requested it ( which is attached ). We were previously in a bankruptcy, but were receiving other notifications from Nationstar through our attorney, such as interest rate changes due to our ARM loan. They are stating they sent one to our attorney and to us. However, this analysis is dated after the date of our bankruptcy discharge. We logged into our online account and there was also no analysis available. We called and realized that the reason for the increase was because they had not completed an analysis on our loan in years so the deficiency/shortage that is showing of over {$4500.00} is made up of years worth of items. We called Nationstar asking for previous years analysis and were transfer several times until the call was dropped after an hour of being on hold and/or transferred this happened twice. The third time after holding for almost an hour we were finally told that it is their policy that they do not preform an analysis unless the customer requests while they are in bankruptcy. There were new bankruptcy laws passed in 2011 to prevent this sort of action by lenders as well as RESPA law does not make an exception for bankruptcy loans. It just requires that the analysis be done at least annually. Due to their lack of compliance with laws we now have to figure out how to make a payment that is {$500.00} more than normal on a loan that is 12 years old and only had increase of disbursements of less than {$200.00}.
Consumer complaint received 2024-07-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

On XX/XX/XXXX I received an email from credit karma stating there was a collection hit on my credit report from Portfolio Recovery for {$820.00}. On XX/XX/XXXX I disputed the charge with XXXX through XXXX XXXX. I don't worry this charge is coming from. All my debt is paid off with the exception of student loans. Please look into this issue for me.
Consumer complaint received 2024-07-31
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (WI)

Received prepaid gift card {$100.00} from internet provider, used card XXXX time and there was a balance {$23.00} and some cents, second time tried to used card the same day, card did not work and never worked after. Addressed with the company with no avail.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (TX)

According to 12 CFR 1016.1 I am able to prevent a financial institution from sharing information with third parties. I have opted out of reporting with XXXX XXXX and XXXX XXXX. Therefore your company does not have the legal authority to report this information on any consumer report. 

The Privacy Act of 1974 states that no agency shall disclose any record ( which includes financial transactions ) except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. 

Additionally, the CARES Act states that no consumer reporting agency shall report an adverse item about the consumer during a covered period. XXXX XXXX was reported during a covered period which is a direct violation of this Act passed by XXXX.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SANTANDER HOLDINGS USA, INC. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX MS XXXX XXXX XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Dear Sir/Madam, I am writing to report a serious issue of identity theft and fraudulent activity on my credit report. An ID Fraud Victim Alert was recorded on my credit report on XX/XX/XXXX, stating that fraudulent applications may have been submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. 

I want to clarify that I did not authorize this alert, nor have I been a victim of identity theft to my knowledge. The phone number associated with the alert ( XXXX ) is not mine. My actual phone number is XXXX. 

I kindly request that this alert be removed from my credit report as it is inaccurate and misleading. I am willing to provide any additional information or documentation needed to resolve this issue. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (FL)

I received a notice of a negative balance in one of my checking accounts and when I transferred funds from my savings to cover the negative balance Chase didn't display/present my accurate balance on the mobile app and is aware of the mobile app having balance accuracy issues abd that the system glitches from time to time. 

I took screenshots of my balance before and after the transfer because this has occurred multiple times and I wanted to document the process and Chase fraudulent activities. Chase call ref # XXXX for recorded call. Please request screenshots for evidence.
Consumer complaint received 2024-07-30
Product: Credit 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: GOLDMAN SACHS BANK USA (WY)

I purchased an XXXX XXXX XXXXXXXX XXXX  XXXX from apple.com with my apple card from Goldman Sachs on XX/XX/XXXX. 

I finally discovered/realized that they had sent me the wrong phone ( XXXX XXXX XXXX XXXX XXXX instead of the XXXX XXXX XXXX XXXX XXXX ), but also billed me for an XXXX XXXX XXXX XXXX XXXX. 

I am currently using the XXXX XXXX XXXX XXXX XXXX which I have agreed can stay, but Goldman Sachs has consistently refused to take the fraudulent amount of {$1500.00} and another {$190.00} despite Apple telling them numerous times that they do not have ANY records of me making such a transactions. 

I have spend hours on the phone with them begging them to take the fraudulent charges away ; not only do the continue to ignore me, they refuse to take the charges off and they have also reported me to the credit bureau.
Consumer complaint received 2024-07-31
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

On XX/XX/year> I inquired about a title loan through Loanmart to help pay bills. I was told that the term was 36 months and I had to borrow at least {$10000.00} with a interest rate of 99.99 %. My main issue is the interest rate being super high and at the end of the term I would have paid {$36000.00}. I am living in California and the bank that Loanmart uses is XXXX bank out of Utah. My loan number is XXXX. I would like to see this company to stop charging such high interest rates. Loanmart didn't even ask or check to see how much my paychecks are. I am struggling to make my mortgage payments, food, credit card payments. Myself and my wife are on a fixed income as we are both retired.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2024-07-31
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. (OH)

I am filing this complaint against XXXX XXXX XXXX C/o XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, SC XXXX for reporting items to my credit report despite not being licensed to collect debts in the state of Ohio. As per the Ohio Revised Code, Section 1319.12, it is mandatory for any collection agency to be licensed to conduct collection activities within the state. After a thorough investigation, I have confirmed that XXXX XXXX XXXX does not hold a valid license in Ohio. 

This unlicensed collection activity and subsequent reporting to credit bureaus are illegal and violate both federal and state laws. Specifically, the Fair Debt Collection Practices Act ( FDCPA ) prohibits unfair practices in debt collection, and the Fair Credit Reporting Act ( FCRA ) requires that information reported to credit bureaus be accurate and verifiable. By reporting these items to my credit report, XXXX XXXX XXXX has breached these regulations, negatively affecting my creditworthiness. 

I have previously disputed this matter directly with the credit bureaus and XXXX XXXX XXXX, but the issue remains unresolved. Therefore, I am seeking the CFPB 's intervention to address this violation. 

Desired Resolution : I request that the CFPB investigate this matter and take appropriate action against XXXX XXXX XXXX for their unlicensed debt collection activities in Ohio. Additionally, I request the removal of all related items reported by XXXX XXXX XXXX from my credit report to rectify the damage caused by their illegal actions.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO. (PA)

Back on XXXX XXXX, and there after I've sent letters disputing Incorrect personal information contained on my XXXX credit profile. I have not received nothing but Stall letters from XXXX stating that they need to be sure its me disputing these items According, as per FCRA, you were required to conduct a reasonable reinvestigation and delete the disputed information as I requested before the end of the 30-day period. I HAVE BEEN A FRAUD VICTIM OF FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. THIS ALERT started XXXX. I've sent multiple letters asking them to reinvestigate these accounts listed below that are reporting inaccurate. 


Clearly, they have willfully, failed to delete the disputed information as I have requested [ JPMCB CARD Collection/Chargeoff Account # XXXX ] XXXX personal information. This account is not accurate and should be deleted. 

[ XXXX XXXX XXXX XXXX Account XXXX XXXX ] Incorrect personal information. This account is not accurate and should be deleted [ XXXX XXXX XXXX XXXX Account XXXX XXXX ] XXXX date is not reported correctly. This account is not accurate and should be deleted [ XXXX XXXX XXXX XXXX Account XXXX XXXX ] XXXX date is not reported correctly. This account is not accurate and should be deleted [ XXXX XXXX XXXX XXXX. Collection/Chargeoff Account # XXXX ] XXXX date is not reported correctly. This account is not accurate and should be deleted [ XXXX XXXX XXXX XXXX. Collection/Chargeoff Account # XXXX ] XXXX date is not reported correctly. The amount reported is not accurate. This account is not accurate and should be deleted I have reported this information to XXXX and have not received a response back. 



Incorrect information on my report Sub-issue : Account information incorrect
Consumer complaint received 2024-07-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (HI)

I have discovered that the past XXXX payments I have made towards my student loan has been 100 % applied towards interest with none going towards the pay down of my principal balance. Accrued interest is 3 % of my total balance yet the representative stated that none of my payments will go towards the principal until all of my interest is paid off. I feel like this is unfair as the creditor can continue to charge me at a higher principal balance. 
Loan servicer is Sloan Servicing
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

I have asked Experian many times to remove the Fraud Protection from my account and also remove the addresses that belong to my son XXXX XXXX XXXX from my account and to date nothing has been done. Because of this our credit reports continue to get combined and causing us both a very hard time. 

Please remove any and all addresses from my report except XXXX XXXX XXXX XXXX PA XXXX. 
Please remove the Fraud Protection Alert from my profile as i am having a hard time obtaining credit. 
The correct information has been added to the other credit bureaus and reports correctly. 
Correct these issues immediately