davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (WA)

COLUMBIA DEBT RECOVERY LLC DBA GENESIS has emailed me twiceXXXX XXXX, 2023 and XX/XX/2023-saying that I owe {$200.00} to XXXX Apartments. This information is incorrect because XXXX Apartments has acknoldeged that my husband, XXXX XXXX, and I, do not have an outstanding balance. 

Both times I have emailed back informing them that this debt is not accurate because I do not have an outstanding balance with XXXX Apartments. I've attached for your records the email communication between myself and XXXX management that states my husband, XXXX XXXX, and I do not have an outstanding balance. Further, my husband received this response from XXXX Management that confirms on record that we have no outstanding balance. The XXXX XXXX is available here : XXXX XXXX XXXXXXXX. 

Genesis has not responded to either of my emails.
Consumer complaint received 2023-12-18
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: CITIBANK, N.A. (OH)

I purchased a light fixture from XXXX XXXX XXXX XXXX XXXX. The price was {$280.00}. It took several weeks for it to arrive and then I had to schedule a contractor to install it. When it was finally installed, to would not work as one on the light receptacles did not work. When I complained to the seller they would not help. So, I asked Citi to file a dispute but they sided with the seller because they only had a 7 day window for a claim to be filed. In this case it was very difficult to get fit installed that quickly because I didn't know when it was coming, it was lost on the final leg of delivery ( from the shipped to the USPS ) and when to did finally get to me, I had to schedule it to be installed. So, it was longer than the 7 day window to find out it was broken. 

I'd like to have Citi understand the issue and support my dispute given the actual circumstances. 

Thanks.
Consumer complaint received 2024-04-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

I've consistently upheld punctual payments on this account, preventing any instances of overdue payments. The reports of late payment remarks on my accounts leave me uncertain. According to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-12-18
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: DISCOVER BANK (RI)

I am currently in the process of purchasing a home and have discovered discrepancies on my credit report. According to the 15 USC 1681 law, my credit report should not contain any inaccuracies or damages. The presence of such discrepancies is not only affecting my ability to secure a home loan but also constitutes defamation of my character.
Consumer complaint received 2023-12-18
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-12-18
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. (PA)

XXXX Reported Late payments on my XXXX XXXX Account on XXXX. XXXX also reported late payments on my XXXX account on XXXX. In accordance with the fair credit reporting act XXXX has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 ( A ) section 2 it also states a consumer reporting agency can not furnish a account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WI)

I saw that my Equifax credit score had dropped XXXX points in a period between XX/XX/22 and XX/XX/22. The reason given by Equifax was that a creditor had removed a remark code, which was " Fixed Rate ''. I called the creditor XXXX XXXX XXXX XXXX in Wisconsin ) and as I thought, I did not have an outstanding loan with them in order to change and such code. The person I was talking to at Equifax was not helpful at all and basically suggested I get an education on the how credit companies work. I am looking for nothing more then to just have my credit score restored.
Consumer complaint received 2023-12-18
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

A purchase for over {$900.00} was made on a Best Buy store on XXXX XXXX, FL according to my account statement. According to the Best Buy representative, this purchase was made in person with a physical card. 
I was in XXXX from XX/XX/XXXX to the XXXX. The purchase was made on XX/XX/XXXX without my authorization. 

I found out about this Monday XX/XX/XXXX, when I got a phone call and an email regarding a late payment. Since I do not use this card, I was surprised and I checked the account. As my surprise I had a balance due for over {$900.00} dollars plus late fee and interest. I immediately contacted Best Buy 's number behind the card and did a police report today. What has me preoccupied is that my mailing address, where I was getting my mail from Best Buy was in a UPS store, where I have a mail box. All my addresses were changed to my apartment building but since I don't use Best Buy, I forgot to change that one. I have my suspicions on the store because if someone ordered a new card, then they took it from there. 

I have not received any info back and I am very worried about my credit score, I take really good care of it and this crime is freaking me out. 
Attached you will find photos of the bank statement ( it got wet I apologize ), prove of my passport and the stamps that show when did I fly to XXXX and came back to the US, and prove of the FAX that was sent to Best Buy of my passport evidence. Also, the claim number and the police report case number.
Consumer complaint received 2024-01-04
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. (IL)

in the year of 2023, months starting near XXXX until now have been causing adverse action to me while reporting transactions. 

Exclusions of my " consumer report '' deal with any report solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2021-10-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (TX)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Tx XXXX XXXX XXXX RE : Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act Dear Sir or Madam : I am a victim of identity theft. The thief made a fraudulent transaction/opened a fraudulent account in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent accounts identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. 

I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. Enclosed with this request is the following documentation, as applicable : Proof of my identity : A copy of my drivers license, other government-issued identification card, or other proof of my identity ; and Proof of my claim of identity theft : A completed and signed FTC Identity Theft Report or alternative affidavit of fact. 

Please provide all records relating to the fraudulent accounts, including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address. If you have any questions concerning this request, please contact me at the above address or at XXXX
Consumer complaint received 2023-12-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I was a victim of Identity Fraud. On Thursday, XX/XX/2023 at approximately, XXXX, I received a text message from " JPMorgan Chase Bank ''. The Text stated that there was a Fraudulent charge of {$240.00} USD at a XXXX XXXX in Texas. The text prompted me to reply " 1 '' to Validate or " 2 '' to deny the transaction. I replied " 2 '' and another text stating that I would receive a phone call from JP Morgan Chase Card Lock Support. I received a call about ( XXXX ) 3 minutes claiming to be a representative for JP Morgan Chase Bank regarding the text message of the Fraudulent charges at XXXX XXXX. The caller had a valid list of my past XXXX transactions history from the account, and also verified one transaction in " real-time '' while driving. 
The caller asked to " Verify my Identity '' by sending me a text message with a code and to read it back to him. He then proceeded to tell me that there were several other " wire '' transfers/charges that were happening in real time of different amounts from {$5000.00} to {$10000.00} going to different accounts in different states. Then he said that since my account has been compromised, that they need to " freeze '' my current account and open up a new one and transfer money into my new account. Subsequently, they ( Wire ) transferred {$26000.00} USD to a " XXXX  XXXX XXXX '' account NOT associated with my Personal JP Morgan Chase account. 
I have been in contact with JP Morgan Chase Bank, a Detective with the XXXX Police Department and FBI. We ( Detective of XXXX XXXX ) submitted a search warrant to the XXXX XXXX States Attorneys office for review and was Approved. 

The Search Warrant Concluded that there was NO account at XXXX XXXX  XXXX that received the {$26000.00} and that the account provided to me by JP Morgan Chase does NOT exist.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MT)

my.equifax.com account only worked about 6 months out of XXXX, it worked for a little while after my XX/XX/XXXX complaint, it has not worked since XX/XX/XXXX. It has said " We are temporarily unable to complete this request '' since XXXX. I just tried to get my free annual credit report and was told " We've experienced an issue processing your request ''. I even paid {$9.00} for the premium service to see if that would help, it did not so I canceled the service and now feel like they stole {$10.00} from me! I have cleared cache/cookies, 2 different networks, and tried 3 different browsers. 

I already know from a year ago how horrible and useless their customer service is, I can not believe this miserable company that does nothing to help its customers is in charge of making decisions about our credit worthiness.
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. ()

I trust this letter finds you well. I am writing to bring to your attention a matter of utmost importance regarding the misuse of my personal information within the United States in XX/XX/. 
I am XXXX XXXX XXXX, an international lawyer and consultant who has not resided in the United States for the past 12 years. Regrettably, it has come to my attention that identity thieves attempted to exploit my documents within the aforementioned timeframe. I am reaching out to formally request the removal of my name from any local and international agencies to prevent further misuse of my identity. 
I wish to emphasize that, as an international legal professional, I have maintained a clean record, and I have never been associated with any suspicious money transactions. The misuse of my personal information is a matter of great concern, and I am taking immediate steps to rectify this situation. 
To facilitate this process, I kindly request your assistance in expeditiously removing my name from any databases, records, or documentation related to the aforementioned identity theft incident. I am prepared to provide any necessary documentation, such as a copy of the police report filed in connection with this matter, to support this request. 
I appreciate your prompt attention to this matter and anticipate your cooperation in ensuring the swift removal of my name from any pertinent records. 
Should you require any additional information or documentation, please do not hesitate to contact me at my email I have only a XXXX XXXX XXXX XXXX Florida to receive correspondence. 
Thank you for your understanding and cooperation in resolving this matter.
Consumer complaint received 2022-02-04
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. (CT)

Back in XXXX an attempt was made to transfer money from my business checking account via wire transfer from XXXX. The bank caught it and stopped the transfer. I went to the branch and changed all my passwords and was issued a new account. On XX/XX/XXXX the bank allowed a domestic wire transfer from XXXX XXXX, CA for {$2800.00} + {$25.00} wire transfer fee. On XX/XX/XXXX they allowed another domestic wire transfer for {$3200.00} + {$25.00} wire transfer fee to XXXX XXXX XXXX NY. I received no alert form the bank for either one. I went back to the branch and changed all my passwords again and was issued another account number. We filed a formal complaint ( # XXXX ) with Chase. My banking associate XXXX XXXX, XXXX was told by the person on the phone at Chase the money would be returned to me in XXXX - XXXX business days. They asked us to fax an Affidavit of Fraud which we did on XX/XX/XXXX. On XX/XX/XXXX after numerous calls to the claims dept. I went to the branch again. XXXX called claims again and was told the case had been reassigned to a XXXX XXXX and would be resolved in XXXX - XXXX business days. On the XXXX business day I called claims again. The woman I spoke with was no help. I asked for a supervisor ; XXXX who would not disclose her last name. She would not connect me with " XXXX XXXX '' and kept telling me they could not release my money because the case was still being investigated. Today is XX/XX/XXXX almost 2 months have gone by. To my knowledge this money is insured by the FDIC. ( whom I also called ). I also filed a complaint with the Office of the Comptroller of the Currency ( case # XXXX ) who told me the bank has 2 months to respond. After catching the first attempt at fraud on my account, I believe the bank was very delinquent in allowing the last XXXX wire transfers without at least contacting me as they did with the first attempt. I called the claims dept. again today and after holding for an agent for XXXX minutes and finally reaching someone, she was going to connect me with a supervisor but she hung up on me. I really need to have this money back. I do not know why the bank is stalling me and I am really tired of calling and being given the runaround. I hope you can help me. Thank you.
Consumer complaint received 2023-05-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC (TX)

A loan was taken out in XXXX  for the amount of {$390.00}. The problem is it was under my old address and name. That debit was sold to XXXX which I called and followed up with a police report.
Consumer complaint received 2023-09-27
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. (MO)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$71000.00} ; XXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$6900.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  Balance Owed XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$14.00} ; XXXX XXXX XXXX Balance Owed : {$700.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$3300.00}.
Consumer complaint received 2024-04-06
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. (DE)

Dear XXXX/CFPB, I am writing to you as a victim of identity theft regarding the fraudulent accounts that continue to appear on my credit report. Despite numerous disputes filed by me, along with reports submitted to various authorities including the FTC, the Office of the Controller of Currency, the police, and the FBI, these accounts persist on my credit report.

I recently obtained undeniable evidence, including the perpetrator 's identification and social security card, proving their responsibility for the identity theft and the opening of these fraudulent accounts in my name. With this concrete evidence in hand, I demand the immediate removal of these accounts from my credit report. 

XXXX account number XXXX I want to emphasize that I have exhausted all available channels to resolve this matter amicably. However, the persistence of these fraudulent accounts on my credit report is not only damaging to my financial reputation but also a violation of my rights. Failure to comply with this demand will leave me no choice but to pursue legal action against your company for knowingly reporting inaccurate and fraudulent information. 

I urge you to take prompt and decisive action to rectify this situation. Your cooperation in this matter is crucial to restoring my financial integrity and protecting my rights as a consumer. I expect a written confirmation of the removal of these accounts from my credit report
Consumer complaint received 2023-12-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (NJ)

On XX/XX/2023, I initiated a withdrawal of {$12000.00} from my account at Coinbase.com to my domestic checking account. 
I selected the " XXXX XXXX out '' method which says " free '' on the web page ( see screenshot ). However, I was charged {$210.00} " banking fee '' for this withdrawal transaction. 
I contacted Coinbase 's support immediately ( XX/XX/XXXX  ), but the company rep claimed that the withdrawal is not actually " free '' and refused to refund the {$210.00} " banking fee ''. 
Here are the facts : 1. The website clearly listed both " XXXX XXXX out '' and " standard cash out '' as " free ''. 
2. There is no " banking fee '' mentioned in the company 's fee disclosure 3. The company rep said that she doesn't know how it is calculated, or where to look it up when asked. The only way is to know is review one of the popup during the process. 
4. The company rep said that the website shows it's " free '' because the user has not entered the amount. This is very misleading, as not being able to calculate the fee is fundamentally different from being free. During the call, I asked the company rep, whether it is possible to use XXXX XXXX out for free, for any amount. She said no, which is a proof that this method is never free. 
5. When I initiate the withdrawal, I clicked on the " XXXX XXXX out '' option, which says free, before entering the amount, during which I was not aware that it is not free and was misled into paying the fee. 
6. The hidden fee of {$210.00} is also over-charging a domestic transfer, considering the ACH transfer is usually free.
Consumer complaint received 2023-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX XXXX XXXX - JPMorgan Chase & Co . 
XXXX, Delaware, United States Please identify when you notarized the attach assignment of mortgage and identify the name and position of the XXXX witnesses and identify your location or office where you and the witnesses were when you notarized the document