davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

In XXXX, property taxes were not paid properly on the property resulting in delinquent property taxes. Once taxes were paid in XX/XX/XXXX, and escrow analysis showed that the account was - {$7000.00} short for the future year. An escrow adjustment was made to catch up in XXXX. 

Moving forward, we were told to manually upload a property tax bill annually to ensure proper payment. 

Electronic Tax Bill Submission XXXX ( Can not pinpoint exact date ) XXXX Phone Call XXXX @ XXXX. Spoke with agent about property taxes. Confirmed that property tax bill was received on XX/XX/XXXX in the amount of {$4900.00}. Confirmed that the amount was correct and that the tax would be paid before EOY. Agent suggested calling back on XX/XX/XXXX to confirm. 
XXXX @ XXXX. Spoke with agent about property taxes. She stated that while Lakeview has the bill it had not been escalated to be researched and would likely not get paid before EOY. I inquired about paying them myself to ensure payment. They said they would notate the account to not pay the taxes as we would do it and submit a receipt through the portal. 
XXXX @ XXXX spoke with agent and voiced our frustration with the management of our escrow account. She stated that it would be escalated and researched. I requested a hold on any escrow analysis until the property tax refund had been received. Will call back again on XX/XX/XXXX to get a status. 
XXXX received a notice that property taxes were paid for a second time by XXXX in the amount of {$4800.00}. This is the second consecutive payment ( XXXX ). Upon inquiry we were told that the incorrect parcel was paid the amount of {$6400.00} so they paid the correct amount {$4800.00} to the correct parcel. The problem with this is that we submitted a fully paid receipt in XXXX which they acknowledged receipt of. Our escrow account has not been depleted to zero and we have been told that we need to wait for the county to refund payments. This is not an acceptable resolution as we did not make the mistake the service did. 
XXXX - Research and escalation team contacted me regarding a status update and we have been told that they are still awaiting refund from the county. Again this is not an accepted resolution. Our account needs to be credited {$11000.00}, followed immediately by a refund to myself of {$4800.00} for property taxes paid directly by me. 


Actions XXXX @ XXXX property taxes were paid by homeowners. Receipt uploaded around XXXX to the portal.
Consumer complaint received 2023-05-01
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. (FL)

Remove all old addresses and personal information XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX # XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I noticed with the 3-consumer reporting agencies are not reporting my tradelines like they are supposed to. I noticed that they haven't reported since XX/XX/2023. I called all of my credit card company, and I was told that they are reporting to the 3-consumer reporting agency. They are not responsible when the consumer reporting agency report the tradeline.
Consumer complaint received 2024-01-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CO)

I opened a checking account at Chase Bank. At that time I was going online to try and get a loan. I received a response from a loan company saying I was approved but I needed to verify my checking account. I was told that in order to do this the company would deposit a certain amount into my account and then I was instructed to withdraw that same amount and send back to them. As this was the first time I have ever tried to apply for any loan online this didn't register to me that it was a scam. Needless to say that fraudulent company ended up depositing 3 checks, which they had forged my name on. I immediately went to my bank and filed a report, closed the account and supplied them with every piece of communication I had with the company. I also filed a report with the FTC, FBI, and the state of California. Yet the bank is still coming after me for those charges. I have talked to numerous people at the bank and was told there was nothing they could do and I was still responsible for that debt, even despite it being fraudulent. I need help please
Consumer complaint received 2024-01-18
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: Atlanticus Services Corporation (PA)

I had a credit with Fortiva for XXXX XXXX I owed XXXX and some change. My account was sold on XX/XX/XXXX to XXXX XXXX  where XXXX XXXX  called me and I set up a payment plan of {$130.00}. XXXX took out the payment on XX/XX/XXXX and then today XX/XX/XXXX around XXXX XXXX XXXX XXXX Fortiva took out {$240.00} making my bank account - {$190.00}.
Consumer complaint received 2017-03-15
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO. ()

Today 's date : XX/XX/2017 I am a XXXX. I work overseas and return to the US, periodically. I am a customer of Chase bank ( XXXX CA XXXX ) branch. I had XXXX credit cards with Chase bank. for with XXXX Balances. Decided to purchase an airline ticket on one card, I did and left on my trip. While XXXX, I made {$50.00} monthly payments via Chase online. My Chase online account was seemingly ( not linked ) to my credit cards. The cards were never used so I had no knowledge they were not linked. Chase online would ask ( pay to whom on one line ) I typed Chase credit card and amount of {$50.00} on the amount line. Every month for approximately 8 to 9 months ( monies deducted from my ( Chase Checking account ). I work overseas and return to the XXXX, periodically. 
Chase was accepting the payments and crediting the credit card with XXXX balance, not the correct card. I have contacted every department trying to have Chase understand but NO. 
My credit rating was XXXX now its ruined. Chase Bank kept the payments, ruined my credit cards and credit. They actually sent me ( 3 ) checks totaling {$760.00} as a refund after the fact. I cased ( 1 ) check for {$200.00} then they put a stop check on the check and charged me {$25.00} for stop check. I never received the other ( 2 ) checks. Chase bank said they would investigate, but as expected, of course, the investigation has them not at fault or responsible. 
I need help to re-instate my credit cards, have the ( 3 ) checks credited to my checking account. I am presently overseas. I NEED HELP to deal with Chase bank. 
Sincerely. 
XXXX
Consumer complaint received 2023-09-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC. (TX)

On XX/XX/2023, Axos Bank, and its subsidiary XXXX XXXX, embezzled ~ {$980.00}, XXXX out of XXXX savings accounts that are mine. They have stolen the life savings of a XXXX XXXX XXXXXXXX XXXX  citizen.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit report.
Consumer complaint received 2024-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

I am writing to file a formal complaint against Aargon Collections and XXXX Credit Bureau regarding their failure to remove an account from my credit report that does not belong to me. 

Name of Collection Agency : Argon Collections Account Number : Unknown Date of Collection Notice : XX/XX/2023 I have recently discovered that Aargon Collections and XXXX Credit Bureau have reported an account on my credit report, and upon careful review, I can confirm that this account is not mine. The inaccurate information has negatively impacted my credit score and financial standing. 

I have taken the following steps to rectify the situation : Dispute with Credit Bureaus : I have filed a dispute with the major credit reporting bureaus ( XXXX, XXXX, and XXXX ) to have the erroneous information removed. However, despite my efforts, the inaccurate account remains on my credit report. 

Contacted Aargon Collections : I have contacted Aargon Collections and XXXX Credit Bureau directly to request the removal of the erroneous account. Unfortunately, my attempts to resolve this matter with them have been unsuccessful. 

I seek your assistance in addressing this matter and ensuring Aargon Collections and XXXX Credit Bureau complies with the Fair Credit Reporting Act ( FCRA ). I kindly request that the Consumer Financial Protection Bureau investigate this issue and take appropriate action to have the inaccurate account removed from my credit report. 

I appreciate your prompt attention to this matter and thank you in advance for your assistance in resolving this issue.
Consumer complaint received 2024-11-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.
Consumer complaint received 2017-02-15
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

We purchased our home with cash in XX/XX/2012. After moving in, we discovered that the plumbing in XXXX of the bathrooms required immediate repairs. As we had used all of our savings to buy the property, we needed to get a home equity loan to make the repairs. We did not have any credit so we were forced to get a loan from a private lender at exorbitant interest rates. As first time buyers, we were not aware of the fact that we needed representation at the signing, nor were we made aware of the transferring of the loan to another company before we signed. We have tried to get the interest rate lowered to no avail, so at this point we are trying to find some solution for this anchor around our necks.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/XXXX I sent certified letters 2 all 3 of the bureaus, stating that I was a victim of identity theft. I put each account down that did nor not belong to me me. XXXX XXXX XXXX in which it doesnt not belong to me. XXXX XXXX in which was opened fraudulently in my name. also, there is some personal information 2 addresses in which are associated with me, and which Ive never lived there.XXXX XXXX  XXXX XXXX XXXX NJ XXXX and XXXX XXXX  XXXX XXXX XXXX NJ XXXX. According to the law 605B. Its illegal to report information on my credit report without my permission. Please remove these items on my credit report.
Consumer complaint received 2024-01-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (CA)

My issue involves ALL credit card companies. I have discovered that when a person receives a refund to their credit cards for purchases, the interest is not corrected. While reading my XXXX XXXX XXXX XXXX card statement, I realized the interest charged for a purchase was not reversed when I was issued a refund. I called customer service and questioned the action, or lack thereof, to which the agent agreed and provided a refund for the charged purchase 's interest. I recall this taking place once before with my XXXX XXXX card. Typically, customers are only concerned with the money being refunded by the company the purchase is made from, and do not pay attention to the interest charged by the credit card companies. Not reversing the interest charge for refunds is allowing credit card companies to collect thousands of dollars from unknowing customers. I have not contacted my other credit card companies. Although, I would like to go back to the inception of all of my cards and ensure the interest has been reversed for all refunds I have received. I am requesting a higher investigation into this matter as many credit card companies will charge customers for statements past a certain point, which is also unfair.
Consumer complaint received 2024-01-18
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: PENTAGON FEDERAL CREDIT UNION (NY)

1. We informed PenFed Credit Unin on XX/XX/2024 that all credit and or debit card charges made on XX/XX/XXXX and XX/XX/2024 were not made by us and were fraudulent charges. 
2. All monies taken out of our checking and or savings accounts on XX/XX/XXXX and XX/XX/2024 were not made by us and were fraudulent.

3. PenFed Credit Unin informed us of the following charges all of which were fraudulent : Date of charges on XXXX XXXX : Amount {$500.00}, time XXXX ( address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY ), Amount {$500.00}, time XXXX ( address XXXX XXXX XXXX XXXX XXXX XXXX, NY ) ; Amount {$4900.00} time XXXX, ( address XXXX XXXX XXXX XXXX XXXX, NY ; Amount {$540.00}, time XXXX, ( address XXXX XXXX  NY. ; Amount {$2400.00}, time XXXX, ( address XXXX XXXX XXXX XXXX ) ; Amount {$3700.00}, time XXXX, ( address XXXX XXXX XXXX XXXX XXXX  NY . 
Date of charges on XX/XX/2024 : Amount {$500.00}, time XXXX, ( address XXXX XXXX XXXX XXXX XXXX XXXX NY ) ; Amount {$1200.00}, time 9:20AM. 
We request that all monies taken out of our savings and checking accounts be restored by PenFedCredit Union as soon as possible.

We request that all fraudulent charges be removed from our credit cards or debit card.

Please note my wife and I have never had or used a debit card.

PenFed Credit Unin has blocked our accounts so we are not aware of any additional charges that may have been fraudulently made.
Consumer complaint received 2024-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kansas Counselors, Inc. (KS)

I have sent letters the credit bureaus and Kansas Counselors to dispute this matter and I have never heard back from anyone. I have sent letters on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

All the dispute letters I've received have been ignored or they send me letters stalling the process. 

Kansas Counselors continue to report negative information on my credit report which is invalidated and incorrect. They are even reporting XXXX of the same accounts on my credit report. At this time the agency is in violation under HIPPA and in violation for not following proper procedures under the FCRA.
Consumer complaint received 2024-01-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: HGREG.com (FL)

PLEASE SEE ATTACHED. 

THIS IS DOCUMENTED EVIDENCE TO BE USED IN LEGAL PROCEEDINGS. 

THE AUDIO WAS RECORDED IN A PUBLIC ENVIRONMENT, THUS LEGAL. 

THIS IS THE 3RD ATTEMPT TO RESOLVE THIS MATTER.
Consumer complaint received 2024-04-07
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. (FL)

I hope this letter finds you well. I am writing to bring to your attention a serious matter that has come to my notice recently. Upon reviewing my credit report, I have discovered several fraudulent inquiries that I did not initiate. These unauthorized inquiries have significantly impacted my credit standing and raise concerns about potential identity theft. I am deeply concerned about the presence of these fraudulent inquiries as they may not only damage my credit score but also indicate possible fraudulent activity on my personal information. I have taken great care to safeguard my sensitive details, and the existence of these inquiries has raised alarm bells regarding the security of my personal data. I would like to emphasize that I did not authorize any entity, individual, or organization to inquire about my credit history. I demand immediate investigation and removal of these unauthorized inquiries from my credit report to rectify this distressing situation. To assist in your investigation, I have enclosed a copy of my credit report, highlighting the suspicious inquiries in question. I urge you to take prompt action to rectify this matter and restore the accuracy of my credit history. Additionally, I request written confirmation once the inquiries have been removed and any corrective action has been taken. Furthermore, I have already taken steps to protect myself from potential identity theft by placing fraud alerts with the XXXX major credit bureaus. However, I am relying on your expertise and assistance in addressing this matter thoroughly and preventing any further damage to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and I expect that this right will be fully respected throughout the resolution process. I expect to receive your written response within 30 days of your receipt of this letter, as stipulated by the FCRA. Failure to respond within the stipulated timeframe may result in my escalation of this matter to the appropriate regulatory authorities and legal action if necessary.
Consumer complaint received 2024-01-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC. (MA)

I currently hold an account with Robinhood under email address/username XXXX. As part of this account, Robinhood has provided me with a crypto wallet that exists on the XXXX XXXX XXXX. The wallet address provided to me was XXXX. 

On XX/XX/ units of the crypto token XXXX ( valued at {$290.00} XXXX ), also known as XXXX, was sent to the aforementioned wallet address ( XXXX ). The transaction ID for this transfer is XXXX. This transfer was recorded on the blockchain and can be found here. XXXX XXXX XXXXXXXX Despite the XXXX XXXX tokens being sent to the wallet address, which was provided to me by Robinhood, the transaction was not credited to my account. I reached out to Robinhood support, which claims that XXXX  is not a supported token on their platform and that they can not recover the XXXX XXXX 

Here are some facts : 1 ) Robinhood has custody of wallet address XXXX 2 ) Robihood provided me with wallet address XXXX so that I could receive crypto at said wallet address. 
XXXX ) XXXX XXXX was received at wallet address XXXX, which Robinhood has custody of and has assigned to my account. 
4 ) Therefore, Robinhood has custody of the XXXX XXXX which belongs to me, and has materially benefited by the amount of {$290.00} by refusing to return the crypto to me. 

At present, Robinhood is refusing to return the XXXXXXXX XXXX to me. To access the crypto, they would simply need to mount the wallet using a key, which only they have access to, and send the crypto to my private crypto wallet address, which I can provide. This will have minimal cost for Robinhood ( less than XXXX cent in transfer fees ), which they could deduct from the returned crypto amount. 

Alternatively, Robinhood can provide me with the wallet key and I can perform this transfer myself. Currently, the only holdings in the wallet are XXXX XXXX ( valued at {$290.00} ) and XXXX XXXX ( valued at {$0.00} ). 

Alternatively, Robinhood can keep the wallet, and reimburse me {$290.00} for the value of the crypto which they hold on my behalf but refuse to give me access too.
Consumer complaint received 2023-08-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (TX)

They are trying to collect something thats not under my name which I already spoke to them and they said my name and all the information I gave them is not showing on their system. That they have about 60 names like mines with owing a debt but nothing with my information. The collection agency is called I.Q. International Data theyre phone number is XXXX the balance is {$5000.00} for XXXX XXXX XXXXXXXX XXXX XXXX  XXXX This was opened on XX/XX/2021 thats what shows on XXXX XXXX. I have not lived in apartments over almost 14 years, my address does not match what they say. Thank you. How can I send documents or letters of something that I do not owe.
Consumer complaint received 2024-01-18
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: JPMORGAN CHASE & CO. (WA)

I went on a trip to XXXX in XX/XX/XXXX for my honeymoon and after arriving home, I noticed there was a charge for {$570.00} that posted on XX/XX/XXXX labeled XXXX. 

I never bought anything from this vendor and its a fraudulent transaction. I disputed the transaction with Chase Bank and they removed it from my account. However, on XX/XX/XXXX they rebilled me for this charge yet again claiming that it was a legitimate charge. 

I called the bank on XX/XX/XXXX and explained this is fraud and they still maintained that I will be charged for it, as it was a charge that occurred physically. This doesn't seem fair. I suspect an employee from a business that I went to took my card and charged it using a hidden card reader while I was transacting in their shop. 

Please help make this right- this is a HUGE financial burden for me and I didn't authorize this transaction or receive any benefit from it.
Consumer complaint received 2022-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Received hard inquiries from XXXX card services last XX/XX/22 and XX/XX/22. However, I never applied for any cards from this institution.