davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-25
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: Experian Information Solutions Inc. (AL)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Revenue Assistance Corporation dba Revenue Group (VA)

Received a call from Revenue Group claining I owe California State taxes from XX/XX/XXXX and XX/XX/XXXX. I called Califorina Franchise Tax Board and they told me I do not owe them nor have they send anything to a collection agency. They do n't even use the Revenue Group.
Consumer complaint received 2015-09-25
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MA)

Today is XXXX, XXXX, 2015, no payment has been made for over eight years on a mortgage for a home that I legally own. The Statue Of Limitations in MA is six years to collect any kind of debt. The original mortgage was with XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX forgave the debt and discharged it at the registry of deeds, XXXX XXXX XXXX sold the debt and has been selling it and moving it around to all different banks, a lien was placed at the registry of deeds by US Bank NA and now XXXX XXXX XXXX XXXX is claiming they bought the loan and could possibly be selling it and moving it around. In the mist of all this my identity could possibly be at risk for identity theft.
Consumer complaint received 2023-10-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( 281 SW 715,719, I presume that no proof of the allege a debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2023-10-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I attempted to close my Citi card on XXXX. At that time there was a late fee and an annual fee charged to my account. I spoke to no less than 5 representatives, and in each instance I had to explain my issue and verify myself. I finally got to someone who was able to assist. She told me at that point she could close out my card and refund the late fee, but that the annual fee would need to go to be reviewed. I never received any type of communication regarding the annual fee until I started to get collection calls on my account again. 

I called Citi card back again the last few days of XXXX, spoke to no less than five representatives again, verified and explained the issue to each of these individuals and was told that they denied the refund of the fee. I again asked to speak to someone who had authority to refund the fee. I was transferred again, at this point the women told me she would refund the annual fee and the interest and it would be reflected on XX/XX/30 as a XXXX balance. 

I again began receiving collection calls this week. So today, I answered when they called, was transferred twice, verified twice and explained the situation. I was told that my only options were to pay the fee since they can only refund the annual fee within 37 days of it being charged and it was 49 days when I originally called on XXXX. I asked to speak with a manager and was transferred to a gentleman in Arizona who told me that he could only refund the interest charge, but I would need to pay the annual fee. I asked to speak to a manager and I was told that no one was going to be able to refund the fee for me. 

I comepletly understand rules, however we are talking about 12 days, there hasnt been any charges on the account in over 6 months and I did not use any benefits of the card in those 49 days. 

I am hoping that this complaint can try to get my request in front of someone who can assist.
Consumer complaint received 2022-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MO)

Sent a payment to a friend via Venmo. She says her account was frozen ( I received no such notification when making the payment ) and she can't obtain the payment. I contacted Venmo and they indicate that the payment was completed and they can't issue a refund. ( So it sounds like Venmo will just claim the funds ). 

Venmo ticket ID # XXXX
Consumer complaint received 2023-10-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

When I went to school at XXXX XXXX the only federal loans available were under the XXXX program. I applied for debt relief and as part of the XXXX XXXX XXXX lawsuit was granted discharge and a refund for any payments made to the department. The fact that Navient will not refund any of the payments made after a finding by the department is unethical. A class action needs to be filed!!!
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. ()

I'm trying to close my personal checking account with Chase. I now live overseas, and their services are not fit-for-purpose for international use. 

I first contacted them, via secure messaging on their online account portal, on XXXX XX/XX/2023 to enquire whether they can close the account for me. They replied on XXXX XXXX to say I first needed to transfer my balance ( {$2500.00} ) out, then they could close it online. 

I wanted to do an ACH transfer to my other US-based account. Using their online account portal, I set up my other account as what they call an " external account ''. Chase requires a verification process, which involved transferring two small sums to my external account, and then I confirm the amounts to verify the external account. I did this successfully, and submitted a transfer of my entire balace on approx XXXX XX/XX/2023 ( plus/minus a day or two, I can't recall the exact date ). 

After a couple days, when my balance didn't turn up, I tried to log into my Chase account online to investigate. I found that their fraud team had blocked the transfer and locked my account. I found this odd, given they had just told me to transfer my balance out, so they knew it was coming, and also had just successfully gone through the verification process to establish the external account as my own. I had to call up, which took quite a long time, to get my account unlocked. 

For a second attempt, I re-did the verification process for my external account ( it had been removed ), and sent Chase a secure message on XXXX XX/XX/2023 enquiring how to ensure that this block wouldn't happen again. They replied to the secure message saying I needed to call again. After spending a long time on the phone, they said there was literally nothing they could do - despite all the verification ( and there was a lot ; e.g., bank card numbers and pin numbers, past addresses, etc. ) they expected the transfer would be blocked again and my account locked, again. They suggested trying a wire transfer, but this might also be blocked, and also would allow Chase to extract a large fee without ( in my view ) cause. 

I view this all as unacceptable. All I am trying to do is close my account and recover my money, but they are making it difficult, time-consuming, and expensive. It does not make sense to me that they are simply unable to green light a transfer under all this verification. 

The outcome I am hoping to achieve is for Chase to allow me to move my money into my designated account and close my account, and ideally never have to deal with them again.
Consumer complaint received 2020-12-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NJ)

Applied XX/XX/2020 for a forbearance extension due to financial impact of covid 19. Never received an update after repeated calls and messages. Was then sent a letter of intent to foreclose after missing XXXX and XXXX payments. I received the notice of intent on XX/XX/XXXX. I then called Rushmore again requesting assistance. I was sent an application to complete and documents to submit. I submitted a complete package received XX/XX/XXXX and have made several calls requesting an update and keep being told it is under review and should have an answer in 10 business days which have passed and it is beyond 10 business days
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2020-12-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2023-10-10
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Credit Fresh Holdings Inc (SC)

I took out a small line of credit for repairs on my home. This was taken out in XXXX. I have used the line of credit once in the past year. I could not understand why when I was paying XXXX a month the bill was never coming down, then I got to checking and they have a roll over fee?? of {$150.00} a month so I got a secured loan on my car, called Credit Fresh got the pay off of {$1400.00} so I sent them a check to that amount by certifed male they signed for it on XXXX XXXX XXXX but the loan was not paid for 3 weeks, now they are saying I owe them {$260.00} and I have paid them in full for the amount they stated to the manager of the loan company that I went to because at the rates they were charging I would never have gotten out of debt.
Consumer complaint received 2023-10-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (FL)

I called chime at XXXX on XX/XX/2023 to get my account daily limit raised to {$2500.00}. But instead of raising my limit they cleaned out my account which is unacceptable I had XXXX $ they left me with XXXX $ when I contacted them about the situation they said fill out a dispute which is ridiculous chime is the XXXX that took my hard earned money and left me with nothing I feel they should have to return my money immediately this situation is criminal.
Consumer complaint received 2020-12-26
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: Experian Information Solutions Inc. (IL)

By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 

I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2020-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (DE)

I contacted CFPB about a debt collection notice I received from Midland Credit Management. The account they were trying to collect on was fake. It was for a XXXX credit card that I never opened. I filed the complaint with CFPB. Midland responded that they purchased the debt from XXXX and insisted I contact them to resolve the debt. XXXX later responded acknowledging that the account was falsely opened and stated that they would recall the account from Midland Credit Management. Both also CLAIM that they have not damaged my credit. 

If XXXX is acknowledging that the account is fake and that they're recalling the account from Midland, why is Midland claiming I have to file a report with the FTC in order to prove that the account is not mine? Credit card companies should not be able to simply purchase someone's personal information, open an account in their name, charge fees to the account to create debt, and then sell that debt to a collection company. How is this NOT fraud? The burden should NOT be on me to prove that I didn't open the account. If they're opening an account, they should document permission from the person so that they can prove that it was opened with permission. It shouldn't be that they can open a random account in someone's name and then demand I prove that I DIDN'T request the account. This is outrageous and I want it to stop NOW!
Consumer complaint received 2020-12-26
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. (AL)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX  XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Consumer complaint received 2023-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (CA)

Greetings! My name is XXXX XXXX and I'm contacting you regarding Chime Financial Inc. ; account ending in XXXX for Unauthorized Transactions totaling in the amount of {$4900.00}. I initially reported this to Chime XXXX I went through the proper proceedings to no avail. After showing me the documents used per dispute-claim # XXXX for Unauthorized Transactions it did not resolve the issue at hand. After a thourough examination of the transaction history in my account, I adamantly refute those transactions. I have no knowledge of the activities that took place during that time. Thus, I was XXXXXXXX on unrelated matters ( please see attached documents ). I'm seeking a fair and courteous investigation be conducted in this matter. Please find attached all of the necessary documents per this matter. Thanks in advance.
Consumer complaint received 2020-12-24
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: Experian Information Solutions Inc. (TX)

Experian credit bureau is in violation of UDAAP ( practicing deceptive practices ). I have provided three written requests to ask for five different inquiries be removed from my credit report I DiD Not Authorize. EXPERIAN CONTINUES TO REPORT THESE INQUIRES. I was affected by XXXX  data breach in XXXX as well as two other breaches. My credit file and personal information was compromised. I informed Experian as recently as XX/XX/XXXX to remove the following Inquiries. One company ran my file 3 times on the same day. I did not authorize this. Also Experian is lowering my score with each credit dispute. I have also filed a Federal Trade Commission complaint as well as I have been impacted by multiple Data breaches ( refer to attachments ). EXPERIAN MUST IMMEDIATELY DELETE THE FOLLOWING SIX INQUIRIES : * XXXX XXXX Inquiry XX/XX/XXXX * XXXX XXXX Inquiry XX/XX/XXXX * XXXX XXXX XXXX XX/XX/XXXX * XXXX XXXX Inquiry XX/XX/XXXX * XXXX Inquiry XX/XX/XXXX * XXXX/XXXX XXXX XX/XX/XXXX * I am also attaching my Driver 's License as Experian frequently responds that I am not initiating the complaint. I, XXXX XXXX, am the respondent and complainant.
Consumer complaint received 2017-02-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Zenith Financial Network Inc (NC)

These people are repeatedly calling me without leaving a message as to whom they are. I only found out they are a debt collection agency by calling their number and hearing a recorded message. The one time I did answer, the lady just said my first name but did not announce who she was or whom she was with.
Consumer complaint received 2020-12-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-25
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: Experian Information Solutions Inc. (KS)

On XX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I received a state tax lien in 2011 and it was immediately paid. NY state removed the account from my experian and equifax credit reports last year, but left it on trans union. 

This is impacting my ability to get a car loan and refinance my debts. It is also impacting my ability to change jobs.
Consumer complaint received 2023-10-17
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 (CT)

I asked this credit card company to erase this fraudulent account from my credit history because I did not authorize to open this account. I also did not make any charges with this credit card. My mother impersonated me and opened this account without my knowledge. They sent all bills to her. She knew all my information because she is my mother.