davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-12
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. (NJ)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA HOW THESE ACCOUNTS AND INQUIRIES GOT ON MY CREDIT. IT HAS NOW BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2022-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (MN)

Chime customer service has been completely horrendous. I have went over and over with them. Ive never had the opportunity to work with someone with any understanding, autonomy or initiative. Often times we have a hard time understanding each other accents. 

I am really getting nervous that this will never be finalized and i really need my money. Chime has a credit builder that is hard to understand, deceptive and has a mind of its own. I believe the max i ever wanted to go into the separate chime credit builder account was {$1600.00} But before I knew it, my entire paycheck was being put into a credit builder account. All was well, looking forward to revolving credit. Being in finance and being the son to a bank owner, i know revolving credit is crucial to ones XXXX. 

Anyway, last year around the same time i had XXXX or so in my account. I was scheduled to receive my pay check. ON like the XXXX of XXXX I THINK {$6700.00} was clearly taken out of my account. All it said was credit builder payment. Normally you'll see credit builder payment but the money from checking then goes to your " credit builder account. But this appeared as though i had actually borrowed the money. The money from checking was taken out but it wasn't transferred like normal. I made a call that day and the customer service rep said " o that's really weird let me immediately file a complaint ''. Then unfortunately the next day i called and a separate employment check was deposited and the amount were similar. The employees were saying it transferred to you credit builder. BUT clearly it was from my employer XXXX XXXX. One guy told me my balance the day before and clearly identified it, but after talking to his supervisor he said it was right. When i asked for the balance again for documentation he refused to give it to me. IT WAS SUPER SUPER SHADY. Something is not right here. 

I have sent countless emails and no one ever helps. It makes me sick and has been so disturbing to think this could happen with a federally regulated BANK. I need someone to help me with this but it is impossible to get any help.
Consumer complaint received 2023-01-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (TN)

I got a flex line of credit with my title of my car in XX/XX/2021 I have been paying on the loan ever sense I only got XXXX dollar loan well after I got the loan and made payments they updated the credit limit to XXXX without my permission also I have payed them a total of {$4700.00} and they are saying I still owe then when I got to looking they are charging way more interest then what the Tennessee laws say they can.also I took my car to the titlemax location because they said they needed to update the pictures and stuff for the loan so I could access my available funds and still to this day they haven't fixed it and I need help getting this straighten out because they haven't even updated my balance on the app they tell u to use to check your remaining balance or online and you can see all the payments I have made in the transaction statement
Consumer complaint received 2023-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

I have a business checking account with chase. On XX/XX/2022, i noticed several charges from XXXX, these are all amounting to atleast {$1000.00}, I called Chase Bank and filed a fraud claim. This bank account/card is never linked to XXXX, nor did i use XXXX sevices that day since I was at work. THERE ARE ATLEAST 27 transactions only for that day. 
I am a XXXX at the XXXX VA XXXX, that day i was working XXXX to XXXX and theres no way i could have taken those rides, nor someone else. no one else has authorization to use this card. I was reimbursed. 

Until XX/XX/2022, all these reimbursements were charged again on my business account. I called Chase and they told me, XXXX denied my claim due to " a physical card was present during these transactions and that someone might have my card number. '' -- i requested to re open the case, I also contacted XXXX. XXXX did reimbursed me 13 of these transactions, but not the other transactions that are still amounting to {$790.00}. I contacted XXXX and they told me, they already issued me a refund, they did not answer my question regarding the other transactions that Im waiting to get refunded for. I also contacted CHASE to reopen the case. I submitted myt timesheet at work as evidence. Its been a month and still this issue is still not resolved. 

Thank you and Im hoping that this matter gets resolved. 

i am attaching a copy of my bank statement and I highlight the transactions that are still not reimbursed to me by CHASE AND XXXX.
Consumer complaint received 2019-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Global Payments Check Services, Inc. (OH)

GLOBAL PAYMENTS CHECK SE XXXX I was a victim of fraud and have attached the document from a ID thief case I have never done any business with GLOBAL PAYMENTS CHECK SE. Please delete this account from my credit report. 
This can be done by submitting a UDF form to all 3 credit bureaus.
Consumer complaint received 2019-12-12
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (AL)

ON XXXX I RECIEVED A PHONE CALL FROM MY DAUGHTER INFORMING ME THAT DIVERSIFIED CONSULTANT INC WAS CALLING HER PHONE TRYING TO GET IN TOUCH WITH ME. SHE STATED THAT THEY CALLED HER 3 TIMES IN A SPAN OF 10 MINUTES AFTER SHE TOLD THEM I WAS HER FATHER AND THAT SHE WAS NOT GOING TO GIVE THEM MY NUMBER. SHE TOLD THEM SHE WOULD ASK ME TO CALL THEM. I CALLED THEM AND SPOKE TO XXXX. SHE STATED THAT I OWED A XXXX BILL. I TOLD HER THAT WAS NOT TRUE AND THAT SHE IS NOT TO CALL ME ANY MORE. THAT WAS AT XXXX CST. LATER IN THE DAY AT XXXX THEY CALL ME AGAIN. I ASKED THE PERSON IF IT WAS DOCUMENTED IN THE SYSTEM NOT TO CONTACT ME AND THIS PERSON SAID YES. I THEN ASKED WHY ARE YOU CALLING ME? SHE COULD NOT ANSWER MY QUESTION. I ESCALATED THIS TO THE COMPLIANCE OFFICER AND SHE WAS NOT MUCH HELP.
Consumer complaint received 2019-09-05
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. (NV)

I was informed that my information was breeched. I was advised that I should get a credit monitoring service. Then I discovered a bills with XXXX , XXXX, XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX that I was not aware of. 

XXXX , XXXX dated XX/XX/2019 {$50.00} XXXX XXXX XXXX dated XX/XX/2019 {$200.00} XXXX XXXX XX/XX/2019 {$500.00} XXXX XXXX {$59.00} XXXX XXXX  XX/XX/2019 {$15.00}
Consumer complaint received 2024-04-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

During COVID and my XXXX XXXX STRIKE which was national, I was out of work and unable to work. I worked with mortgage company ( XXXX XXXX XXXX ) about this issue and they placed me on a modication plan for 3 months at a lower amount. I successfully completed the 3 months and was approved for the loan modification. I was told that the new loan packet was being sent to me in XX/XX/2024. I tried to reach out to the company a few times to continue to make the monthly mortgage but was not allowed to while the paperwork was being prepared and sent to me. They did not respond to my messages, I was not allowed to continue the mortgage payments and no letter nor any loan modification packet was ever sent/mailed to me. Ive been waiting for it and nothing came and now they are trying to reverse the approval and charge me all this back pay. Ive been out of the country for a month for work as I am now back at work. Tried to explain that but i can not get any responses from them!
Consumer complaint received 2023-11-03
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. (NV)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-09-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (MI)

On XX/XX/2021 I sent a letter to WELLS FARGO BANK. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Consumer complaint received 2022-04-16
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. (VA)

Hello my name is XXXX XXXX and I am submitting this complaint without error or influence of any third party agency. Please see the attached documentation to meet my demands in a timely manner. I have never authorized or gave written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (CA)

Chase provided reports that were not detailed and did not indicate my report was properly investigated. 
I had XXXX credit accounts with Chase that were on payment plans, being paid off via automatic payments. Chase suspended the automatic payments ( without notice ) on all XXXX accounts, and then marked the accounts delinquent. I've spoken to multiple agents from Chase and none of them have been able to provide explanation of why this error occurred. In fact they have said that any evidence would have been purged according to the company 's records retention system.
Consumer complaint received 2021-09-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CITIBANK, N.A. (CO)

I contacted citi back about a account opened in my name fraudulently- they located the account and the lady on the phone by the name of XXXX advised me she was going to close the account immediately- she put me on hold and the phone hung up-one of the times a representative told me they didnt see the account and then replied they had found it- I contacted them back and on three consecutive times I explained what at hAppened and was put on hold to the phone hanging up- very last time I asked to speak to a supervisor and I explained- she saw my issue and I asked her could she take the account just closed and correct my info opening a new account as identitytheft.Gov requested me to do and she said I needed to file a complaint and to contact their complaint department and the credit bureau
Consumer complaint received 2021-09-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

On XX/XX/2021 I sent a letter to CAPITAL ONE BANK USA NA. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Consumer complaint received 2021-09-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XXXX I sent letters to the credit bureau regarding inaccurate and unknown infomation on my personal credit report to this day it has been over 120 days later, I still have not received a response yet. unfortunately at this point I feel like I'm being taking advantage of and my disputes are being disregarded of its urgent request. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediateltly remove those items from my credit report, it has been well over 120 days so they should be deleted and removed promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the hardship you as well as this information has caused me. My information was also impacted by over 33 data breaches. I have attached proof of the data breaches on XXXX XXXX and XXXX XXXX My personal information was also impacted MULTIPLE times through the dark web. The list also includes the Equifax data breach, FEMA data breach, XXXX XXXX data breach and multiple other MAJOR DATA BREACHES and may have got into the hands of the wrong person. I have attached My Police Report Number. I have also attached my FTC report number XXXX this report includes all the inaccurate and unknown information accounts that has been reported to my credit, Please remove the inaccurate accounts I have attached so that I can take control of my personal credit with the credit bureau.
Consumer complaint received 2021-09-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (MI)

On XX/XX/2021 I sent a letter to I.C. SYSTEM, INC. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Consumer complaint received 2019-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services (AZ)

I am trying to login to Conduent t see my loan balance and I can't. I tried their forgot password option but I never receive a link to reset my password. You can only access the information to contact this lender once you have logged it. I have tried every number for this provider that I could find with a XXXX search and all three were disconnected. I don't know how to get help. I have a right to see my info!
Consumer complaint received 2021-09-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (MI)

On XX/XX/2021 I sent a letter to CONVERGENT HEALTHCARE. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Consumer complaint received 2019-12-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (TX)

I have gotten 4 voice mails for my husband 's niece for a creditor. They have left messages on the following dates and times : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX 
XX/XX/2019 XXXX XXXX 
XX/XX/2019 XXXX XXXX 
XX/XX/2019 XXXXXXXX XXXX
Consumer complaint received 2019-09-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Pressler & Pressler, LLP (NJ)

I am constantly harassed by collection agencies that I have never had any business with over the course of five years. The latest " agency/arbitrator '' that contacted me threatening to garnish my wages up to 25 % was XXXX XXXX XXXX from ( XXXX ) XXXX. They had my social security number and my date of birth. The debt I owed was paid in full in the year 2011 and I have been harassed since then by multiple collection agencies and arbitration offices that have little to no information publicly available. Whenever the collector is pressed for information about how they got my personal details, they get defensive or disconnect the telephone line.
Consumer complaint received 2024-04-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

This collection company is trying to collect debts from me for utility bills that are not mine. 
They say I'm responsible. How can they lie? 

This Collection company called TRANSWORLD SYSTEMS INC, falsely and without arguments says that I must pay ( {$700.00} ) and sends copies of the utility bill from XXXX XXXX. 
The invoice address is : XXXX XXXX XXXX XXXX, TX XXXX This address is a fraud!!! 
I do not have accounts with this company XXXX XXXX. 

I have resided in XXXX, Tx since 1998 and have never lived in another city or state.
Consumer complaint received 2023-01-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (IN)

XXXX XXXX XXXX  the amount of XXXX was takin out every day of those dates they closed my account down without even telling me also. So unprofessional now I cant open a account with them
Consumer complaint received 2019-12-12
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. (TX)

XXXX XXXX XXXX did not validate the debts they allege I owe.  They never sent me anything in writing, I had to find out about them by reviewing my credit report.  They pretend they did not receive my timely, written demand for validation under 15 USC 1692g Sec. 809 (b) of the FDCPA.  HOWEVER, they did (UNTIMELY) respond (how would they respond if they really did not receive my written demand?!?) but their response did not comply with 1692g in any way, shape, or form.  It merely said the account had been "closed" instead of actually validating, per my request.  (See attached).  It has been many months yet they are still listing a negative(s) on my credit reports, despite the law giving them 30 days maximum.The credit bureaus have ignored this fact and are about to also get sued in federal court and pay all of my attorneys fees and costs if they do not immediately remove all negative references from XXXX XXXX XXXX from my credit reports.
Consumer complaint received 2024-04-06
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: HW Holding, Inc (FL)

This account was opened fraudulently. I have no leasing agreement with the XXXX XXXX or hunter warfeild inc they also have failed to provide the leasing agreement or any proof that I owe this debt with a picture of my license and signature. I have asked countless times to stop harassing me with calls unless they have solid proof I owe them this debt also the information reported to all XXXX credit bureaus is in accurate I have also provided a police report and they still continue to request payment.
Consumer complaint received 2022-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TX)

For the past 10 months I have submitted my application 3 times via mail, fax, and uploading straight to the website for PSLF to both MOHELA and XXXX. Neither website says they have received my loan and the XXXX XXXX number for PSLF and website says they can't find my account. However I am able to login to my account online. I have tried to call multiple times and emailed the website. Each time I call I am on hold for over 2 hours each time and nobody answers the phone. I would like to be able to reach someone and submit my PSLF before the deadline XX/XX/2022.