davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

There are two hard inquiries on my credit report from Capital One Bank, that I did not make. I called Capital One Bank and they said they do not have records of those inquiries. I was directed to call XXXX and they said I needed to report it as fraudulent and that my account was breached. One inquiry was made XXXX XXXX and the other was XX/XX/2023 I am concerned someone is trying to get credit with my information. Please can you offer me some help to stop this before it happens again. 
Thank you
Consumer complaint received 2024-02-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lincoln Educational Services Corporation (PA)

I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. Some inaccuracies existed on my credit report. The account has been removed by both bureaus and a charge-off account should have a balance of XXXX, not {$690.00}, but still this is appearing in my XXXX Report.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (MI)

Account was created with chime, Im not sure how but they have my ssn, email address, phone number, name and address. They did not close my account and requested personal information from me to do so such as my ssn which I declined to provide.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY (GA)

American Express has closed my account ending in XXXX without my consent, When I called to address the issue XXXX XXXX, Manager of American Express 's internal Collections team stated that AccountXXXX has a balance of {$6000.00}. I do not have an account with a balance, let alone an account ending in XXXX. When I tried to speak with XXXX XXXX on the XXXX of XXXX, 2023 he instructed me to wait as they were investigating the discrepancies, after asking me to email a screenshot of my online account showing the one account number ( Account XXXX ) because they did not have that account in their system. 

The closure of my account and card has left me stranded and distraught. I don't have access to my credit, nor an option to remedy the situation. This is deeply disheartening and has caused XXXX and fear.
Consumer complaint received 2023-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to respond or to verify that this is indeed my debt. 

After careful research, I have determined that this is not mine, and I was given no evidence of my obligation to pay this debt to this collection agency. 
Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TX)

This email is in regards to paypal case XXXX. 

I have Opened a case with pay pal and provided information below. 

The order was delivered to the wrong person, i have contacted the seller and they have contacted the XXXX and mentioned they have now opened a claim with XXXX and will get back to me as they hear back from them. I spoke to XXXX they have not yet opened any claim but i wanted to inform PayPal so we all can stay in the loop. 

it requested the signature and ID of the person to whom it got delivered It had been delivered to the wrong receiver and I just received an answer from the seller after so many days that XXXX has denied mentioning the order was delivered to the correct person. I was home the entire time and even upon tracking it mentions somebody else 's name as the receiver and completely some one else 's signature. I have asked Paypal if they need me can send them my lease where I live so they can see I am the person who lives here.
Consumer complaint received 2024-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (MD)

I am a victim of identity theft. There are fraudulent accounts and transactions on these accounts with debt that were not made by me as the consumer. This has been ruining my financial reputation with your bank and multiple other banks as well because of this issue. The first account is XXXX and the amount is {$27000.00}. The second account is XXXX and the amount is {$12000.00}. I will attach the two Identity Theft Reports that I made as well. Please help resolve this issue. Thank you
Consumer complaint received 2024-02-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstCredit, Inc. (PA)

First Credit XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX, XXXX XXXX XXXX To Whom It May Concern, You are hereby notified under provisions of Public Laws XXXX and XXXX, also known as the Fair Debt Collection Practices Act, that your services are no longer desired. Immediately cease and desist all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the Attorney General of New Jersey. Civil and criminal claims will also be pursued against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law. It is my policy neither to recognize nor deal with collection agencies, and I will only settle this account with the original creditor.
Consumer complaint received 2024-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. This account continues to be reaged which is illegal. XXXX XXXX XXXX. In accordance with The Fair Credit Reprorting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2023-07-07
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. (CA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Risecredit, LLC (DE)

I took out a loan in XXXX XXXX  I began having issues making payments and contacted the company numerous times for verification of amount owed, etc. Over the last 30 days Ive been told wrong information multiple times, that is now risking negative credit reporting, promised call backs that never happened and above all have been lied to by multiple members of leadership. Specifically, Ive spoke with XXXX XXXX and XXXX XXXX, both of which who promised to assist me and follow-up accordingly, however, that never happened. XXXX notated my account in XX/XX/XXXX that any negative credit reporting would be deleted due to the ongoing problems and lack of proper communication. 

Ive spent well over 12 hours, just in the past week trying to rectify issues caused by receiving improper and wrong information.
Consumer complaint received 2024-02-01
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: BARCLAYS BANK DELAWARE (OH)

I had a hard inquiry on my credit report on XXXX XXXX XXXX  The inquiry was from Barclay 's Bank Delaware. Location : XXXX XXXX XXXX XXXXXXXX, DE XXXX. The inquiry type was individual. I attempted to call several different phone numbers listed on the Barclay 's website on XXXX XXXX XXXX I was unable to get any support or speak to a representative because the automated service requested my account or credit card number. I have neither, because I do not have an account with Barclay 's. 

I have frozen my credit. I also called XXXX.
Consumer complaint received 2024-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: LoanCare, LLC (AL)

i have filed NUMEROUS complaints about this single issue and someone doesn't understand. I have a written payoff good thru XXXX which was paid BEFORE that period of time. NOT the intitial principal quote that i was given verbally. 
I received a PAYOFF -- -paid it off before expiration of payoff and a small balance of {$80.00} was transferred to a new servicer. please stand by the consumer here -- ME! that is literally your job
Consumer complaint received 2024-02-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: P&B Capital Group, LLC (IN)

The collections account holder is PBCAPIGRP and the account number is XXXX. 

XXXX XXXX XXXX is filing for bankruptcy and yet they are still requesting money from me. They went with P & B collections and say that as of XX/XX/2022, I owed : {$1800.00}. 

I requested early on that I am not interested in their service and they did not contact me after that.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (AZ)

On XX/XX/XXXX, I received a letter from Discover, XXXX XXXX XXXX, XXXX XXXX, OH XXXX stating that they were attempting to contact me regarding their need to obtain additional information from me about a fraud claim I filed with them concerning a charge to my credit card dated XX/XX/XXXX in the amount of {$2500.00} for " merchandise '' purchased at " XXXX XXXX XXXX XXXX '', XXXX as well as a second charge of {$6.00} made at " XXXX 's XXXX '', XXXX ( total disputed amount equalling {$2500.00}. I immediately called the number listed in this correspondence ( XXXX ) and spoke with a Discover representative, answering his questions truthfully that I have never been in a XXXX XXXX XXXX XXXX  nor did I make any purchases there or at the XXXX 's the same day. On XX/XX/XXXX, I reviewed my checking account and learned that, despite my honesty, they had placed these charges back on my checking account. I called Discover again only to be told their investigation determined I was to be held liable for these two charges. I am furious considering whoever made these charges was declined initially ( according to Discover ) but then approved minutes later. I should have lied when they asked me if my credit card was ever lost or stolen but it wasn't ( to my knowledge ) and I know with absolute certainty I did not authorize these two purchases nor did any of my family or friends make these purchases. Because of their actions, I was notified by XXXX XXXX that my credit rating went down XXXX points due to someone stealing my identity. I have been a loyal customer of Discover with outstanding credit who pays his debts faithfully but I refuse to be held liable for something and someone that I have no control over. Please help. Thank you for any assistance you can provide me. Respectfully, XXXX XXXX XXXX
Consumer complaint received 2023-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NJ)

Hi, This is related to CFPB complaint XXXX. As of XXXX  Citibank has yet to credit the bonus and they are continuing to toss me around when I call in to get an update on the case. " No one is available '' and getting hung up on has happened three times today. 

Best, XXXX XXXX
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (WA)

I was in a horrific car accident that killed the other XXXX people in the car with me. That being said. XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX  and had to have XXXXXXXX XXXX and a XXXX XXXX XXXX XXXX XXXX XXXX During this time a friend of mine tried contacting my business affairs to get some help so accounts did not become past due. But as you know unless the credit card company is given permission to speak to them they cant. Life happens. So XXXX day after I get home from the XXXX I start making phone calls. Now mind you Im still on XXXX XXXX XXXX XXXX and XXXX  a lot but I called discover card and explained that this happened and went over my excellent payment history and they waived some late fees and I paid off the entire balance. Well then I noticed fraud on my account, so talked to them about that, and got anew card mailed out to me. When I got my card it would work after activating it, so I call discover, and then Im told I need this income form form irs filled out and notarized. So I spent the last couple of days trying, to get that done, I have not been able to, so I call today and told I dont need that form anymore cause, y account was closed due to a business decision. So tell your customer to pay off the balance to catch a break from past due fees and interest and then be sneaky and close there account for no reason?
Consumer complaint received 2016-04-22
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I am XXXX for the XXXX and since the market crashed, I took a pay cut. Based on that, I had to modify my loan ( Mortgage ) so that I could afford my monthly mortgage. During the modification, In the month of XXXX 2015, I submitted my payment as usual. Nation Star who is my lender, removed the money out of my account on XXXX XXXX, 2015 in the amount of XXXX. No that I am attempting to refinance my loan, It was brought to my attention that Nation Star indicated that I was late on my XXXX 2015 payment and it has affected my credit report. I contacted Nation Star and they advised me upon checking their records/notes that it was a mistake and that it should not be noted on my credit report. This has affected me because its stopping me from refinancing my loan so that I can have a more affordable payment and provide for my family.
Consumer complaint received 2024-02-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: PRIMARY RESIDENTIAL MORTGAGE (MD)

I received a letter on XX/XX/XXXX confirming that my automatic payments had been cancelled for my mortgage with Primary Residential Mortgage. I did not ever request a cancellation, so my wife tried to rectify the situation online by turning on automatic payments, with no luck. I then received an email from a new mortgage company, XXXX, on XX/XX/XXXX alerting me that they were now servicing my mortgage, starting XX/XX/XXXX, XXXX days later. I was unable to make a payment on my mortgage today when payment is due because I was not properly informed of the transfer in the proper timeline. I believe federal law dictates a minimum of XXXX days notice before the transfer of the mortgage. Any notification came XXXX days before the transfer, with no notification coming from our original mortgage company, PRM.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

To Whom It May Concern : I am writing to file a formal complaint against Bank of America 's credit card department for charging me late fees since XX/XX/2023 to present, despite having an active auto-pay set up from my bank account. Throughout this period, I did not receive any notifications about missed payments or potential late fees, either via phone or electronic communication. 

Details of the Complaint : I have maintained an auto-pay for my Bank of America credit card account since the account was open. 
Since XX/XX/2023, my bank statements confirm successful automatic payments made towards my credit card on the due date each month. 
Despite these timely payments, Bank of America charged me late fees every month from XX/XX/2023 to present. 
I never received any notifications about missed payments or potential late fees from Bank of America, either by phone or electronically. 

Impact of the Complaint : These late fees, charged in error, have caused me significant financial hardship. They have negatively impacted my credit score and caused unnecessary stress and frustration. 


I am also willing to provide any additional information or documentation that may be helpful in resolving this issue. 

Thank you for your time and attention to this matter. I look forward to a prompt and fair resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-06
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Sarma (TX)

Sarma Collection has called me dozens of times over the last few month over an alleged debt. One rep, XXXX XXXX has left multiple messages which I have log of. On XXXX XXXX XXXX called my brother, XXXX XXXX on his cell XXXX asking if he knew me and mywhereabouts. XXXX XXXX has all my contact information having called my phone multiple times and has no reason to call my brother, XXXX XXXX XXXX XXXX' and XXXX XXXX negligently failed to comply with its obligations under the Fair Debt Collection Practices Act ( FDCPA ). HE has my phone number and I choose not to speak with him or his company. That does not give him the right to call my relatives
Consumer complaint received 2023-12-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY (GA)

I am writing to seek assistance regarding a debt collection matter that has arisen after my XXXX XXXX  bankruptcy in 2006, which was successfully discharged in XXXX of the same year. Prior to the bankruptcy, XXXX XXXX was attempting to collect on a loan that was subsequently included in the bankruptcy proceedings. After the discharge, a new entity, XXXX, began pursuing collection on the same loan, despite its discharge in the bankruptcy process. Recently, I communicated with XXXX 's account manager, informing them that the debt had been discharged in bankruptcy. The response indicated that they did not believe it was the same account, citing a discrepancy in account numbers. However, I am confident that this debt is indeed the same, as evidenced by the matching account numbers for a similar loan listed in my bankruptcy. Complicating matters, both XXXXXXXX XXXX and XXXX XXXX, the companies associated with the original debt, have dissolved, making it challenging to obtain the necessary information to connect the dots. I am kindly requesting your assistance in urging XXXX XXXX XXXX to provide proof of the purchase of this debt. This documentation is crucial for me to continue the tracing process and clarify the status of this discharged debt. I appreciate your attention to this matter and look forward to your guidance on how to proceed.
Consumer complaint received 2023-04-24
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX XXXX BALANCE {$1300.00} and XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/ BALANCE {$680.00}. Please remove.
Consumer complaint received 2024-02-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (NV)

I open BNO Bank account to receive promo after XXXX days with {$4000.00} money direct deposit. 

When I opened on their website it made me open XXXX accounts, could not open unless I opened XXXX different accounts. I did not want to open both accounts, but it forced me to. 

Was not XXXX XXXX fined for this a few years ago? 

The promo is for XXXX direct deposit into checking account, but my first XXXX deposit was into saving account on XX/XX/XXXX by mistake, I request that they account that deposit towards my promo fulfillment. that is issue XXXX. 

XXXX  issue is with money from XXXX to open account was made, but i want to know why the last XXXX digits list on BMO website is different than my XXXX account, why is this?