davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-18
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (PA)

On XX/XX/24 i have a collection for XXXX on my credit report from XXXX. I dont know how it happened because I never had a contract with XXXX and this is identity XXXX. Please contact them so they can stop damaging my name.
Consumer complaint received 2024-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (WI)

Freedom mortgage sent a check to me to pay my property taxes out of my escrow account in XX/XX/XXXX in the amount of {$4800.00} which I then used along with a personal check to pay my property taxes in full. Freedom mortgage states they also made a payment in XXXX of XXXX in the amount of {$4900.00} directly to the county of XXXX to pay that same property tax due. In XX/XX/XXXX then notified me that my esrow account now had a negative amount due to their erroneous extra property tax payment so they would be increasing my monthly payment by {$420.00} a month to account for that difference. I initially messaged the company for response on XX/XX/XXXX, however, their response resulted in incoherent logic and did not explain the issue. I then contacted them by phone on XX/XX/XXXX to point out the error I discovered above. The escrow department could not help me so transferred me to the tax department who said they would request a refund which could take up to 6 months. They could do nothing about my payment increase so they transferred me back to the escrow department that said my only recourse was to pay the additional amount or I would be considered deliquent in my payments. To pay this additional amount would result in a financial loss to me above the required extra payment and if I don't pay the extra amount it will result in harm to my credit score which again would result in financial loss to me.
Consumer complaint received 2023-04-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (MI)

PNC Bank closed my checking account on XX/XX/2022 as per my request, but my saving {$43000.00} has not been returned to me. I emailed the bank 's case manager on XX/XX/XXXX. The case manager called me the next day, confirmed the check was mailed out and suggested me waiting for another month. But, the check never came. I emailed her again on XX/XX/XXXX and XX/XX/XXXX. She did not reply. So I mailed a letter to Customer Service at XXXX on XX/XX/XXXX. The bank never replied my letter in writing, but the case manager called me on XX/XX/XXXX and XX/XX/XXXX. She told me I needed to fill an application form due to the big amount on the check. Why did she not tell me the first time the form was required? I doubt about the check had ever mailed. OK, I requested her to email me the form. She said she was unable to do that because of the company 's policy. She was not allowed to reply customer 's email. It sounds so weird. I have her email address because she emailed me before. OK, I did not insisted on that. She said she mailed me the form. Normally it took 7 days to arrive. Today is XX/XX/XXXX. 27 days has gone. I have not received the form yet. I am very disappointed. I am submitting this complaint and looking forward for a resolution. Thank you for your time.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (PA)

I checked with XXXX my File one day randomly had Sears/CBNA on it with an Outstanding $ XXXX balance on it. 
Ive been trying to get XXXX to remove it and every time Sears sends me a letter in the mail with no number on the back and an Account number missing like 4 digits. 
Ive put in a Police report and Filed with Attorney General I believe this was done by an old associate of mine at XXXX XXXX XXXX XXXX in XXXX, PA. 
I noticed this charge on my Credit around XXXX of 2023. And been non stop on disputing it.
Consumer complaint received 2024-03-20
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SOFI TECHNOLOGIES, INC. (NV)

On or around XX/XX/2024 I applied for a personal loan with SoFi for {$40000.00} to invest in cryptocurrency. An individual online had befriended me in a romance scam online and proceeded to scam me out of the cryptocurrency by using a fake investing platform ( website ). I have filed a police report and report with the FBI to try and track down the party responsible for stealing from me. That said, I have a complaint against SoFi in that I should not have even qualified for the personal loan in the first place. I provided paystubs showing I earn approximately {$60000.00} per year and I already had a car payment of {$500.00} per month, a personal loan with XXXX  I had taken out previously for {$25000.00} with a {$20000.00} balance still remaining and other living expenses! The monthly payment to XXXX  is {$830.00}, I pay approximately {$1100.00} per month in rent, {$140.00} per month to XXXX, {$180.00} per month to XXXX XXXXXXXX and so on... Based on income I should not have qualified for a loan with SoFi and if denied, would not have been able to invest money which was fraudulently stolen from me. SoFi committed predatory lending and lended to me based on a credit score rather than an ability to pay!
Consumer complaint received 2024-05-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NC)

MY PURPOSE OF THIS COMPLAINT IS NOT TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DON'T TRY TO SAY THE ( FCRA ) DOES NOT APPLY TO YOU BECAUSE YOU ARE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE XXXX  IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOT WITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16G2F ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXX XXXX OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO YOU! XXXX XXXX XXXX VIOLATED 15 USE 1681A ( 2 ) ( B ), 15 U.S. CODE 1681B ( A ) ( 2 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692J ( A ), AND 15 USC 1681E ( B ).
Consumer complaint received 2024-03-20
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: JPMORGAN CHASE & CO. (LA)

On XX/XX/XXXX, my Chase Visa credit card was charged by XXXX for {$210.00}, an amount I did not recognize. This was XXXX of many unauthorized XXXX transactions around the month of XXXX, adding up to several XXXX dollars. I filed a fraud report with Chase on XX/XX/XXXX. 

On XX/XX/XXXX, Chase responded to say I was not responsible for most of the transactions I had reported, but I was still responsible for the {$210.00} transaction. The reason is that it was linked to merchandise that was billed and shipped to my address. 

On XX/XX/XXXX at XXXX XXXX, I called Chase 's fraud department to ask for information about what this transaction was about. They told me it was a transaction made from my domestic partner 's XXXX account, for merchandise that he had in fact purchased in XXXX. 

I confirmed with my partner that he recognized this transaction, but he had paid it with a completely different credit card. He has never authorized XXXX to use my Chase Visa, and didn't even know I had this Chase Visa. XXXX knew about the Chase Visa in connection with MY XXXX account, but not my partner 's. They apparently mishandled my credit card data to bill someone I lived with. 

I called Chase back at around XXXX XXXX to explain that this transaction was, in fact, unauthorized. I explained the situation, saying that XXXX billed the wrong payment method, a payment method they should not even have known about in connection with my partner. The fraud representative didn't believe me, and gave me the runaround about how this was technically not a " fraudulent charge '' but rather a " double charge '' if I recognized the transaction, and spent several minutes arguing with me and refusing to transfer me to the correct department. Eventually he initiated the transfer to whatever the double charge department was, and then the call disconnected. 

I have filed an FTC complaint against XXXX for their mishandling of my credit card data, but I still need Chase to recognize that I am not responsible for the transaction.
Consumer complaint received 2023-10-19
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. (MS)

Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.
Consumer complaint received 2024-05-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: M&T BANK CORPORATION (NY)

My identity was stolen. I discovered this because there was a XXXX payment made from my checking account to a person that I do not know and I did not initiate this transaction. I went to the bank and closed my accounts and opened new accounts. I requested that the XXXX payment be returned to me. I have spoken to several people at the bank including XXXX XXXX, Senior Branch Manager. She has been extremely helpful. Unfortunately, the fraud department denied my claim stating that the transaction came from an IP address that has been used for other transactions. I went into the branch and spoke to XXXX XXXX and she stated that the fraud department wanted proof so I should get a copy of the police report which I did. The claim was denied 3 times. XXXX XXXX told me that the fraud department stated that they could not speak to me. They told her that the same XXXX made several transactions through the same IP address. Unfortunately, I don't own an XXXX. I don't know who the person is that received the money and I don't know how the IP address is showing up as the same. What I do know is that I did not initiate this transaction. I had to close multiple bank accounts and credit cards with multiple institutions. M & T bank is the only on that I have had a problem getting the issue resolved.
Consumer complaint received 2020-12-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Unauthorized Inquires on trans union credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Upgrade, Inc. (CA)

My checking account was suspended by Upgrade Inc without any details, or phone call to verify anything happening with my account. I havent done anything wrong. My deposits come from my work ( XXXX  ) and I have XXXX checking accounts connected for transfers my wife and I have a joint account with XXXX XXXX  and my wifes account with XXXX. I make credit card payments to either my credit card or my wifes. I am the only one accessing the account. To my knowledge I havent done anything that a normal person would do with checking account. I called upgrade and told them that all transactions were made by me. They have refused my phone and email on several occasions to provide me with any detail as to why my account is frozen. They have also refused to transfer my remaining funds out of the checking account and into my connected XXXX XXXX account and close both the checking and savings account I have with them. They have frozen my assets without giving me a reason or cause or timeline for when this will be resolved
Consumer complaint received 2024-05-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: MoneyLion Inc. (CO)

I got two unsolicited XXXX texts this week wanting to upgrade my loan which I didnt request and the other a fraudulent call text again. Both were never opened by me and both were screen shotted to XXXX. Who confirmed they were fraudulent.Please help me. I am a widow, alone and being abused by these idiots. I just want my money nothing more, so I can live.
Consumer complaint received 2023-04-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have consistently sent letters to XXXX about credit card acts that are on my credit profile that I wont deleted. They have not deleted them, and refuse to even respond to my request Ive called and been hung up on and they only allow you to dispute one thing at a time. If you see 3 errors once you dispute 1 there system kicks you out so I mail everything to them. 
There reporting is ridiculously they toy with scores and it makes no sense what so ever. I have a 99 % payment history, but yet every month I have 60-80 points removed and then I complain and they put same points back and then repeat the same loss of points each month destroying ones credit score ( State of Arizona Statute limitation for credit card debt is 3years, auto loans is 4 years, medical and mortgage is 6 years. Unpaid state taxes is 10 years Accounts : all open ended accounts such as credit cards below I requested that they be deleted, they are all 5+ years old and others are 10+ years old. They are settled {$00.00} balance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries not removed that were fraudulent, I personally contacted the company XXXX that as a result several other companies under them has inquiries on my report as well. I told transunion that at the same time they said my acct was hacked three times within a two month period and I wanted them removed. I sent 6 apology letters from XXXX which took accountability for any inquiries they took place as a result of them shopping for rates for something I never requested on XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX Equifax XXXX XXXX never okay or authorized them to do anything for me, in fact I have a opt out on file not to share and I dont do red parties XXXX XXXX-someone consistently tries to open accounts and Ive spoken to XXXX XXXX. I already have a XXXX XXXXXXXX but more and more inquiries keep appearing. Fraud XXXX XXXX XX/XX/XXXX, XX/XX/XXXX on report twice XX/XX/XXXX, XX/XX/XXXX on report, XX/XX/XXXX and I have a freeze, but XXXX allowed a inquiry
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have sent multiple letters regarding this account status reports {$500.00} past due but the account is a collection account. also states status updated XX/XX/2022 but balance updated XXXX XXXX this account is reporting inaccurate information and should be removed. 

Acount # XXXX XXXX XXXX original creditor : XXXX XXXX XXXX
Consumer complaint received 2024-05-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC (SC)

I received collection text messages and letters from out of nowhere. I mailed a letter to The company that said the car loan was with and it was returned saying the company was closed like out of business. I called trying to Find out how they got my information when I never gave consent to be contacted. I asked for proof of the debit and ownership and never received anything other than letters to collect the money. I never signed for this car. This is fraud and I would like it removed from my credit report. I have never even received a phone call from this company.
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (MI)

I had to pay a person I found in an online tutoring website that I have to pay {$150.00} to get help from online college tutoring. The first time I paid {$100.00}, then the person said to pay {$50.00}. After that the person said I need to pay more which I never agreed up on. I requested a refund, but he said no. I looked up on the XXXX website on Zelle customer service and I gotten the number to call. I called the Zelle service number but a different person showed up, and told me that I have had to pay back {$490.00} in order to receive a payment back of a total of {$640.00}. When I did, the person has hung up and never answered my calls. He convinced me since he knew that I already paid before to a scammer without him saying anything. 

As I found out I was under a cyber fraud-attack, I called my bank and filed a transaction dispute, of the three different transactions of Zelle I did. I waited for about 11 days until it closed down. I called my bank to see what is up with the update and if I will get back my refund. My agent told me she cant do anything or the bank since it is part of a third-party, which is Zelle I must contact. 
After I contacted Zelle with the right actual customer support number this time, they told me they cant do anything either. I was lost at this point and my whole family upset that I gotten scammed {$640.00} which never happened to me before, but a similar issue did happen to my father back in 2020, when he tried to purchase a bird from XXXX and gotten scammed also over {$1500.00}, using Zelle and no refund was able to happen. He never got his bird or money back. 

I really hope you staff can help me with this issue. 
XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2024-03-15
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: CITIBANK, N.A. (FL)

On XX/XX/2023 in a MACYS store, a woman offered me if I wanted to be a customer of the store without telling me that my credit status would be reviewed without my authorization. When I left the store before reaching the exit of the complex, I received a notice that my score was lowered by XXXX points due to an inquiry, I turned and told the lady why she checked my credit and her response was that that is the policy. of the store. without even asking me if I wanted to give them authorization to check my credit
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCSPLUS INCORPORATED (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

And according to 15 USC 1681eb they are supposed to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-13
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: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/2023 I charged XXXX at XXXX for a custom cat tree to be built for me. I was aware this would many months. I have a number of text messages between myself and the owner. I checked in with them on XX/XX/XXXX to see if work had started and he told me not yet, but he would try to finish for the end of the month. On XXXX XXXX he wrote and he said another project had set him behind but the tree would be worth the wait. I did not.think anything of it because he was the only person building these. In XX/XX/XXXX I asked if he had started work. He said he had started yesterday. On XXXX XXXX I asked for pictures and when I could expect delivery, because I would like it for XXXX. He answered and sent a picture of the frame. He said he could not get it out in time for XXXX, but would ship it mid XXXX. This is the first time he committed to a completion date. On XX/XX/XXXX, when I had not heard from him I told him since I did not get the tree or an update, I was going to pursue getting my money back unless he shipped the tree out immediately. For the first time I did hear immediately back from him and opened a dispute with XXXX XXXX. They first denied it for being more than XXXX  days old. When I sent them their Rule 4554 that said I had XXXX days from when I expected delivery, they denied me again claiming I expected delivery at the end of XXXX. This is not accurate because the merchant only said he would try and contacted me to tell me he was behind. The first time he committed to a delivery date was mid XXXX. I only then felt I was being cheated when he did not answer me. These cat trees are involved and take many months to build, that is why they are so expensive. I was willing to wait.