davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$950.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital one is reporting 3 missed payments. This is incorrect. I have made all my payments and have paid extra. They are reporting XX/XX/XXXX, XXXX & XXXX as missed to all three credit companies. 

I made a {$5.00} payment in XXXX, a {$200.00} payment in XXXX, {$50.00} payment in XXXX & {$66.00} in XXXX, {$25.00} in XXXX & {$50.00} in XXXX That is a total amount of {$400.00} dollars. at my min payment of {$25.00} a month I have overpaid this year so far {$170.00} dollars.
Consumer complaint received 2021-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (NV)

I am writing for your help in the below matter that has now gone unresolved by Chase Mortgage for over 3 months.I have now contacted the Chase customerservice departmenta totalof25 times ; 16 times via your online Secure Message center and 5 phone calls and 2 emails to your customer service team. 
I have made a total of {$22000.00} in mortgage payments of which only {$11000.00} has been credited to my Chase Mortgage account. 

Supporting Information and Attached Documents - {$7300.00} made to XXXX XXXX on XX/XX/XXXX - see attached letter {$3600.00} made to Chase on XX/XX/XXXX Loan Transferred from XXXX XXXX to Chase on XX/XX/XXXX XX/XX/XXXX -XXXX and XXXX Payments Made to XXXX {$7300.00} ( See Letter from XXXX Dated XX/XX/XXXX confirming thereceipt and posting of this payment )  and a second confirmation letter requested from XXXX again confirming my account current XX/XX/XXXX - XXXX Payment Made to Chase {$3600.00} XX/XX/XXXX - Payment Made to Chase pending Research {$11000.00} Total XXXX XXXX Payments Made = {$22000.00} Summary of phone calls and emails to the Chase customer service center. 
XXXX XXXX on XXXX XXXX XXXX - explainedpayments made XXXX  Chase on XX/XX/XXXX - they said may take 72 hours XXXXXXXX  Chase on XX/XX/XXXX - they said they are confused- checkingwith research division - requested I send the copies of the statements showing payments made I faxed the docs on XX/XX/XXXX via Branch and vonage fax To Subject Sent Size Categories XXXX Chase Mortgage Acct XXXX - Reference # XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX on XXXX XXXX XXXX - stated that they are still investigating - I stated my concern over late fees and credit reporting - he said the firstnote in their system is XX/XX/XXXX - I stated that I have called since XXXX. 
XXXX XXXX on XXXX XXXX XXXX EscalationManager- explainedsituation again - she mentioned I spoke to the Executive Office? - she said two paymentsin the Chase system - sent to Research team for validation {$7300.00} paid to XXXX XXXX and XX/XX/XXXX Research Division Reference # XXXX Fax XXXX XXXX XXXX - see below email sent at the request of XXXX XXXX XXXX Escalation Manager
Consumer complaint received 2021-05-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NV)

my case is really important. 
i have my paypal account without any transaction and paypal close without reason. 
why they close my account if i do not have any transaction activity or dispute. 
I mean this is really crazy. 

I think paypal made a mistake with my account. 

i would like paypal fix the problem and their system. 
my email associate with my paypal account is XXXX. 

XXXX
Consumer complaint received 2021-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HANCOCK WHITNEY BANK (LA)

On XX/XX/XXXX, a collections letter was received from XXXX XXXX XXXX alleging an owed debt in the amount of {$5200.00}. Letter was dated XX/XX/XXXX, XXXX Acct # XXXX, creditor listed as Hancock-Whitney Bank with acct ending in XXXX and a last payment date of XX/XX/XXXX, and sent to an older address of XXXX XXXX XXXX. 

There are a few issues with this allegation : 1 - This debt is not recognized, as I have never held an account of any type with XXXX. 

2 - I have not lived at the listed address on their claim for over XXXX years, let alone opened any loans in their alleged timeframe. 

I am uncertain as to where this alleged debt came from, I am only certain that I have not opened any such accounts with that creditor.
Consumer complaint received 2017-02-16
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Pinnacle Financial Group, Inc. (GA)

I had to make arrangements for my XXXX XXXX payment due. I called Pinnacle Financial group and made arrangements. I started receiving collection calls the next day along with emails and text messages advising me to remove my things out of car if no call by a certain date. I kept arrangements made for my XXXX XXXX payment. They changed my due date to XX/XX/XXXX I did not sign any paperwork or tell them to change it. Now they have me due for XX/XX/XXXXand showing me 30 days late. I cant be past due for XXXX XXXX when I just made XXXX XXXX payment. They continue to call and sent a certified letter to repo the car. I have proof of my payments I have never missed a payment. I have not made my XXXX pymt due to this error.
Consumer complaint received 2015-07-19
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have a medical bill that is reported by XXXX separate collection agencies which are the same bill. I believe XXXX of those should be removed. It is for the amount of {$750.00} and is reported on both XXXX & Transunion.
Consumer complaint received 2021-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Hello, I am a capital one holder and last month I went to make a payment and capital one oddly required that they text me first. I agreed to being texted for a " security code '' but then never received a text. I kept trying for a few days and when I later called, there was no automated option to pay your bill and it was after hours. The next day I could pay but by then I received a late fee. 

Capital one should waive their fee, this is the only bank I've had this problem with Thank you cfpb
Consumer complaint received 2015-07-28
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: CITIBANK, N.A. (IL)

We put our home up for Sale as a " Short Sale '' on XX/XX/XXXX. We have two issues with Citimortgage : # 1. Received an offer on XX/XX/XXXX and since then Citimortgage has requested new closing dates every month ; for different reasons. A year later the new closing date is XX/XX/XXXX. Need a reason why it took so long for the closing. Which put me threw a lost XXXX. 


# 2. We were told by Citimortgage Representative, that we will receive a relocation incentive of {$3000.00}. That is no longer available because they said we moved out. Yes, we moved out to due no heat in the home, however I still have furniture in the home ; I am staying with family members.
Consumer complaint received 2021-05-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

I recently sent a dispute letter to XXXX, XXXX, and Experian on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.
Consumer complaint received 2021-05-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BOEING EMPLOYEES CREDIT UNION (WA)

Around XXXX I had deposited a friend of mines stimulus check due to everything being closed by covid-19 B.C.E.U gave half the money which was XXXX $ then froze my account told me to bring in my friend whos now XXXX  from covid-19 an put a hold on all of my money from 2cnd and 3rd stimulus being direct deposited into my becu account how can I close this account and access all my money?
Consumer complaint received 2021-05-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$730.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2021-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (TX)

Your organization failed me when I was defrauded of {$11000.00} through false cashiers checks, fraudulent job hiring through XXXX and subsequently Chase Bank charged me for the false checks. 

Not sure about the advertisement of protecting consumers. 

Thanks. 

XXXX XXXX XXXX
Consumer complaint received 2023-08-09
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

On XX/XX/XXXX Equifax was notified via certified mail to formally investigate all accounts reporting on my consumer report. That correspondence is attached with this complaint. Equifax responded with valid reporting. Another dispute was submitted on XX/XX/XXXX on behalf of XXXX XXXX reporting incorrectly Confirmation number : XXXX. That report came back as updated. On XX/XX/XXXX I called equifax and informed them XXXX XXXX  has sold the account and therefore reporting inaccurately. Confirmation number : XXXX. The agent informed me the account would be deleted. No results were submitted to me upon the investigation. Photo in this complaint. On XX/XX/XXXX another dispute was submitted for inaccuracy and on XX/XX/XXXX the account again was updated Confirmation number : XXXX. 

The account above mentioned has been sold. Reporting as it belongs to me when it has been sold to another entity. I have no knowledge of. Therefore equifax continues to violate my FCRA rights 15 U.S. Code 1681. In the documentation the evidence XXXX and XXXX deleted from my consumer report because the account has been sold. 

I called equifax on XX/XX/XXXX to ask for an explanation on why they continue to break the law. Upon speaking with an agent. Submitting my license via an online portal and submitting a selfie the representative informed me he could verify my identity. Which is frivolous. Equifax is strong arming and delaying the process to hold it accountable for reporting accurately which violates my FCRA rights. Proof of identity, and address will be provided in this complaint to prevent any further delay into this matter.
Consumer complaint received 2021-05-18
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. (IL)

As of XX/XX/2021. XXXX XXXX requested that several inquires be removed from my credit file. The big 3 has failed to remove these unknown inquires.
Consumer complaint received 2024-03-26
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. (NY)

On the XXXX XXXX XXXX the below/ attached letter was sent to all credit reporting agencies.

I am writing as my final notice to XXXX XXXX EQUIFAX to remove the XXXX XXXX XXXX  Account XXXX from my Credit R

eport as the account has been closed and I am officially opting out of reporting the said account. Per the Fair Credit Reporting Act ( FCRA ), I XXXX, a Federally Protected Consumer and natural person hereby revoke Any and Every Authorization, I the consumer may have given you knowingly or unknowingly, written or unwrtten, verbal or non- verbal per 15 USC 6802.

This act is in violation of the Privacy Act of 1974 and an invasion and intrusion to my privacy.

It is a fact that no account can be reported without my consent pursuant to 16 CFR 313. 

XXXX XXXX XXXX  has affirmed their position in reporting the account closed and have reportedly opened a request with the Consumer Financial Protection Bureau ( CFPB ) for a removal from my credit report with all Credit Agencies.

In addition to violationg 15 USC 6802, this act further violates 15 USC 1681b for permissible purposes under the law and will be reported to the appropriate authorities. 

If no action is taken within XXXX banking days, this letter will be uploaded to the CFPB website as communication evidence for further investigation. 

I look forward to a positive resolution on this matter.
Consumer complaint received 2021-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (NC)

I received an email from Wells Fargo saying that a credit card I did not order had been shipped to an address I didnt recognize. I was able to call Wells Fargo and cancel the card before any charges were applied. They informed me that someone was able to add themselves to my account. The fraudulant name and address to receive this card is : XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX, KY My hope is that you'll be able to stop this person from attempting this in the future.
Consumer complaint received 2021-05-18
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.
Consumer complaint received 2022-11-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Consumer Portfolio Services, Inc. (AZ)

I recently purchased a 2014 XXXX XXXX from XXXX XXXX. I put {$2000.00} down and pay about {$400.00} a month. With an over XXXX % interest rate in a 5-year deal. This is my family vehicle I have a XXXX daughter a XXXX XXXX XXXX  son and my wife. A little over 3 months into having this vehicle and less than XXXX miles. This vehicle broke down on my wife at my child 's school. I went and checked it out and the lower control arm is broken the XXXX XXXX is broken I paid a couple XXXX dollars for a tow truck to tow it to my house. The next day I called the dealership they towed it to the dealership and then invoiced me for {$3700.00} in repairs. Told me that I my warranty does not cover it and that it is from wear and tear. Reminder I've had this vehicle for less than XXXX miles and it only has XXXX mi total on it. After arguing and speaking with dozens of Representatives from the dealership. I decided to get it towed to another automotive place that did all of the work for {$2000.00}. I have yet to hear back from the dealership and have not received any compensation of the fact. And the automotive mechanic expert that worked on my vehicle said that my car has major rust damage and I was not notified of that before purchasing this vehicle. I asked the dealership for the inspection paperwork for which I compensated and paid for them to do before I purchase the vehicle and they told me that those files are no longer available. I have pictures of the damage and I have a receipt for what I paid for the damages to be fixed and I have their invoice that they sent me for {$3700.00}. Please help me out
Consumer complaint received 2021-05-18
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. (AZ)

Equifax and XXXX should not be reporting that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number **** XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed. This is a clear violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX XXXX XXXX as well as the bureaus to fix this however, I have not been successful.
Consumer complaint received 2021-05-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (OH)

In XXXX and XXXX XXXX I received multiple statements and phone calls saying I owed a balance of {$1000.00} to Phoenix Financial Services LLC. Digging deeper into this information I found out is was from a medical service back in XXXX. I tracked down where I was seen and gave them my insurance information and it was updated and taken care of on their end. I do not owe the company the original debt came from. I called Phoenix Financial Services and updated them on the situation and they said everything was good and should be updated. XX/XX/XXXX I receive two more letters ( dated XXXX XXXX and XX/XX/XXXX ) from Phoenix Financial stating that I owe them {$1000.00} for the same medical services. I called them on XX/XX/XXXX to find out why I am still getting letters. Thinking all of this was cleared. 

I asked to speak with a manager. Someone higher up and the man I explained my situation to told me I was no longer in their system. That they werent the ones sending me this and it was in error. He couldnt or wouldnt look into why I was still getting billed when I didnt owe them anything. He was rushed and didnt want to talk to me. 

On XX/XX/XXXX I reached out to XXXX XXXX XXXX, XXXX to make sure this debt is no longer owed. 

IT IS NOT. As of today it is at a {$0.00} balance. That balance was updated on XX/XX/XXXX.
Consumer complaint received 2023-02-11
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)

ATTORNEY GENERAL- XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX ( XXXX ) XXXX and experian credit reporting agency XXXX to report improper payment information and violate 15 usc 1681 ( a ) and for years make up information about payment history that decreases my credit score. they have for over 5 years never corrected it. They continue to report 11 late fees no matter how much time passes or when others fall off they just magically change the payment history. Please help im ready to file a lawsuit for years of oppression. i have contacted them about the inccorrect information and experian continues to let them report even though they have caught them several times reporting inaccurate information. Other companies have removed them totally for this action. But experian continues to allow them to report and harm my credit report as a way of retaliaton. Please help stop my pain and suffering.
Consumer complaint received 2021-05-18
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: Consumer Portfolio Services, Inc. (IL)

Consumer Portfolio S Inquiry from XX/XX/2019 - Auto Financing I do not know why this company is on my credit report. I have no knowledge of this company or doing business with them. I need this hard inquiry removed from my credit.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

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 no consent is fraud.
Consumer complaint received 2024-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I AM A VICTIM OF IDENTITY THEFT.