davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (NM)

I applied with my husband to open a checking account and was denied because the bank, XXXX XXXX XXXX XXXX XXXX was unable to verify my Date of Birth through a system called " ChexSystems. '' They could not provide me with any further information and just said I would have to call Chex Systems. I attempted to call them, but it is just a recording -- you ca n't even speak to a real person. The only automated option was to request my report, which I did. I received it a couple of days ago and it contains no information. All it has is my name and address on it. This is insane. In my 35 years, I have opened bank accounts, credit cards, had mortgages, and car loans. I ca n't get any further information from ChexSystems and do n't know what to do if they do n't correct their information.
Consumer complaint received 2017-12-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (CA)

On XXXX XXXX XXXX I paid XXXX XXXX XXXX in full for the balance of {$560.00} on XXXX XXXX I received a letter stating that I owe {$14.00}. XXXX when I try to call to ask about this outstanding amount I was given three different telephone numbers and on each number I had to wait a minimum of 15 minutes before someone arrived to tell me that I had to call yet another number. 

1. XXXX told to call MCM direct 2. XXXX told to call the collection department 3. XXXX Seems like they are not being forthcoming in resolving my account. I can see them adding fees and interest to this charge.
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

Discovered recently I was being charged monthly {$11.00} for an unauthorized XXXX XXXX credit card from Chase Bank from a Chase Bank account that was closed on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I contacted Chase and informed them I did not authorize the XXXX XXXX Card and I did not receive a card or activate same. I was advised by Chase on that date that they would close the XXXX XXXX card as a possible fraud issue. On XXXX XXXX, XXXX Chase Cardmember Service sent a letter advising the credit card account is past due in amount of {$35.00}. Including past due amount and the current payment due. " Failure to pay this amount could result in your account being closed. '' On XXXX XXXX, XXXX my credit score dropped from XXXX to XXXX, a XXXX point drop, per XXXX XXXX web site. On XXXX XXXX and XXXX, XXXX XXXX customer service advise via e-mails there were no outstanding balances and " Customer was not aware of prime membership charges. '' On XXXX XXXX, XXXX Chase Cardmember Services advised via a letter regarding account ending in XXXX, " We closed this account to prevent fraud. ''
Consumer complaint received 2017-12-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GMFS, LLC ()

My wife and myself prequalified for a mortgage to buy a second home and/or a real estate investment property. We were prequalified by the following company ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Direct XXXX Cell XXXX Toll Free We made an offer on a condominium thru a local real estate company. A closing date was set but issues with the offer caused us to withdraw our offer and we did not go to closing nor did we sign any closing documents. 
From what we have been told XXXX XXXX XXXX sold our would-be mortgage to the following company ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Direct Note that we never went to closing and never signed any closing documents. Sometime around XXXX XXXX, 2017 we received notification that a new account had been added to our credit report. Further research found the credit bureaus showed we had opened a mortgage with XXXX XXXX  for the condominium we never closed on and we owed {$100000.00} for the loan. Then last week we received a letter from GMFS that we had not provided insurance for the property and that GMFS would purchase insurance for us and charge us accordingly. At the same time our Credit history shows this load and lowered our credit score negatively impacting our personal finances. 
We have been in contact with Entrafund and GMFS trying to get it cleared up on our credit reporting but to date nothing has been done. 
Between identity theft and mortgage fraud someone in this chain of events has violated a FCC law and should be held accountable. GMFS should not be able to open a mortgage loan without our consent. Please advise.
Consumer complaint received 2024-08-24
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: CrossCountry Mortgage LLC (NC)

I am writing to formally submit a complaint regarding unauthorized hard inquiries on my credit report that I believe to be fraudulent. I have discovered several inquiries made in my name that I did not authorize, and I am requesting that these inquiries be removed from my credit report as they negatively affect my credit score. 

The following fraudulent hard inquiries have been identified : 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 I have not authorized any of these inquiries, and they appear to be the result of identity theft or fraudulent activity. I have already taken steps to secure my personal information and am in the process of disputing these inquiries with the credit reporting agencies. However, I seek your assistance in ensuring that these entries are investigated and removed from my credit report. 

Please let me know if you require any additional information or documentation to support my claim. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2017-12-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCI Financial, Inc (NV)

XXXX from XXXX XXXX keeps calling me at work after I told her numerous times to stop, including an email. She tells my employer that I need to pay my payday loan off. This is embarrassing and causing problems at work.
Consumer complaint received 2016-03-22
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Solutions To Portfolios, LLC (MD)

I received a call from this company yesterday about a payday loan they say that I owe. XXXX XXXX persisted in trying to get money from me and then proceeded to get his supervisor on the phone who abruptly came on the line and began to demand that I provide them with my personal credit card information so I can make the matter go away. They continued trying to engage me in conversation and wanted me to divulge personal details about my finances in the presence of coworkers on both sides of me. I asked them not to contact me at my place of employment. I told them that if they have information stating that I have business with them to mail it to me. I am receiving calls back to back at work and at the front desk where I provide relief for our receptionist. They continue calling making escalating threats and also demanding to speak to my supervisor. The number they called from was ( XXXX ) XXXX but it shows up as a XXXX number.
Consumer complaint received 2016-09-16
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: POPULAR BANK (NY)

This is my second complaint regarding E-Loan ( previous case # XXXX ). That issue was resolved by my giving up requestion the cd I opened and funded be made a trust account. Presently since the account has been funded I have received the incorrect amount of interest ( below the percentage I signed up for and have poof of ). After getting no satisfaction by dealing with e-loan I called XXXX XXXX XXXX XXXX a branch manager of XXXX Popular. She intervened and called Eloan in XXXX after which I received a secure message from eloan that the correct amount of interest would be transferred to my linked ( outside ) bank account with 24 to 48 hours. That was on XXXX XXXX. The interest has not been transferred and in fact when I log on to their website I get a message that I do n't have any accounts there. I have spent numerous hours on the phone and sending emails to this bank. At this point I want to close this account, have my entire opening deposit of {$250000.00}. transferred back to my linked account with no penalty as well as the interest I am entitled to.
Consumer complaint received 2016-08-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Carter-Young, Inc. (GA)

I have disputed this account many times with XXXX the credit agencies and with Carter Young. The credit agencies stated that Carter Young verified that this account belong to me. I yet to see my signature on any documentation. I was a victim of identity theft. My purse was stolen and some credit cards was fraudulently use. I have notified both the credit agencies and Carter Young and this account is still reporting on my file. They both are in violation of the FCRA in reporting items that do not belong to me. I need your assistance in getting this matter resolved.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (VA)

My loans were previously serviced by XXXX. When I attempted to see what my payment plan options were the cheapest option they provided was extended repayment. It was n't until later that I learned that I was eligible for income based plans. It harmed me long term because I qualify for the Public Service Loan Forgiveness program and lost months of eligibility due to paying into the extended payment option ( they are n't qualifying payments ). I not only payed nearly double monthly, but will pay for a longer term as well. I have since transferred my loans to XXXX and have an IBR plan.
Consumer complaint received 2016-01-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (OH)

I have attended XXXX XXXX XXXX since 2012 sallie Mae used to be the lender of my student loans ever since XXXX took over I have had nothing but issues, anytime I call nobody wants to help, and the representatives I spoke with were extremely rude! I have been going through a financial hardship for over 6 months, they claim I do n't qualify for any programs or they do n't offer them, my husband was out of work and I was out of work and we just had a baby in XXXX, they disregarded everything I had to say and said I needed to pay something, I do n't want to neglect my obligations but I need help getting back on track.
Consumer complaint received 2017-12-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
Unauthorized debits appeared on my checklng account as debit card transactions at JPMorgan Chase in the amounts of : {$350.00}, {$5.00}, and {$2.00}. 
I filed a fraud report via telephone with Chase customer service XXXX # on XX/XX/XXXX after visiting a branch to also report fraudulant activity on my debit card when my catd was cancelled and I received a replacement card. Chase issued a temporary credit on XX/XX/XXXX in the amount of {$11.00} while they researched my claim. 
Yesterday, XX/XX/XXXX I saw the charges has been reserved and contacted Chase via their Customer Support XXXX # once again. I spoke with 3 different representatives all of whom stated that they had verified that my card was in fact used for these transactions And was Chip verified. While my card was not lost or stolen, I adamantly believe that I am a victim of fraud. The descriptions of the 3 transactions were at a building on my college campus that does not have a vending or other sales terminal. I inquired with my school and they advised that they have no record of these transactions and advised me to contact my bank. 
Additionally, I was in class at the time of at least one transaction ( XX/XX/XXXX ) so it is impossible for me to have made the transaction. 
Today, I visited my local branch and spoke with a banker. He advised that the transactions were done at a street vendor. This makes no sense to me since I have not recently been to any street vendors. And, there are not ant street vendors near or around my campus. 
Chase continues to insist that these charges are not fraudulent because they were chip verified and my passcode was used which I find to be outrageous. 
They refuse to consider that someone perhaps stole my information thru a skimming device or similar.
Consumer complaint received 2017-12-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (PA)

Notified Diversified Consultants on XXXX-XXXX-2017 that negative item was placed on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 (A)(7). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Requested Diversified Consultants to remove incorrect information off my credit report. More importantly, Diversified Consultants are in violation of FACTA  section 623 (A)(7). Never received any mail from Diversified Consultants.
Consumer complaint received 2017-12-27
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. (GA)

this account was included in my affidavit mailed to the credit reporting agency as well as the debt collector. XXXX has refused to respond to my request and continues to report identity theft information to Equifax, Equifax has reported that an investigation has been done but has not mailed me any documents to prove that with dates or phone number and contact information. I am asking that that CFPB require Equifax to complete its investigation with XXXX XXXXt XXXX accordingly thank you
Consumer complaint received 2017-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

About 3.5-4 years ago I contacted XXXX to inquire ways of avoiding delinquency as I was going through a series of personal events - my father XXXX, was going through a divorce, had a XXXX  child and the real estate market bubble ( I was a XXXX ) had burst. I was told on different occasions there was not much to be done as those were n't strong enough reasons and or pushed to terms that I was n't able to afford. 

My credit suffered tremendously due to the delinquency. I have tried numerous times to come to terms with XXXX and have asked them for help, but have received none. 

It came to light that I was n't the only one and that a lawsuit is pending because of the same practices I experienced. I am hoping this time I am able to get some relief and have the multiple 90 and 120 days late deleted - at least the most recent ones. Last late payment was 44 months ago.
Consumer complaint received 2022-09-19
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: EQUIFAX, INC. (SC)

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company. While checking the above report, it came to my notice that your Company has furnished two accounts on my report. 

According to 15 USH 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through a medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices At ( FDCPA ). 

Pursuant to my rights as per 15 USC 1969 ( c ) I am hereby providing your formal notice to cease any further communications regarding these accounts immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or Company, except a communication confirming your acknowledgement of this letter, is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation
Consumer complaint received 2017-12-27
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

To whom it may concern,I am currently in the process of buying my first home through Fifth Third Mortgage Company in Michigan. My purchase agreement was completed and was sent to the processor on XX/XX/XXXX. We all agreed that closing would take place the last week of XXXX on the purchase agreement and through email due to me going out of the country starting on XX/XX/XXXX. During this process the processer requested for an insurance quote. He also sent me over documents to sign that had the wrong purchase price and wrong purchaser name. I sent emails stating this needed to be fixed on the XXXX. After no response after three days, I called stating the mix up where I was told to sign the documents to meet closing time, even though they were incorrect. I called my lender and told him the issue I had with the processor instructions in which he told me to mark off the incorrect areas and write the correct purchase price and my correct name on the document with initials next to those areas. I then received a call on XX/XX/XXXX from the lender stating that I need Home insurance to close. I proceeded to tell my lender that I sent two different insurance quote stating which one was cheaper to the processor a week ago. My lender told me that I actually need to buy Home insurance that day and that the processor is on vacation until next year and we might be able to close XX/XX/XXXX.I received a call today stating that the title transfer might take longer and that they never received verification from my employer. I sent an email stating why was I not informed because I could have got my company to sign off on this before the holiday break. I now have to call my boss during the holiday break to get him to sign off. They have also now informed me that I will need to get a power of attorney for someone else to sign off on MY FIRST HOME since I will be out of the country.
Consumer complaint received 2023-06-04
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: Experian Information Solutions Inc. (NJ)

I reached out to XXXX, Experian and XXXX asking them to investigate this account XXXX XXXX XXXX account number XXXX that's inaccurately reporting on my consumer report. I received a response from all 3 credit reporting agencies that this account was accurate and verified. As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately. The reporting of this account is a violations of the following : 1. 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 2. 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
This account is reporting as closed but is still reporting a balance, past due amount and still reporting late payments. How can a closed account report a late payment.
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (FL)

Hello, I have some charge offs and collection accounts listed on my credit profile that are ruining my credit and I've reached out on multiple occasions to the creditors and they weren't able to verify accuracy or remove the charge offs or collection accounts. 

If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.