davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I have requested proof of debt, documentation that proves it is my debt numerous times and I receive nothing in return. I have disputed with XXXX XXXX and XXXX to get the items removed and they are never removed. I am owed proof of debt and they can not provide it. They keep changing the dates and amounts... ..I am owed proof
Consumer complaint received 2015-12-26
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Neon Newco Corporation (IN)

I purchased a prepaid credit card from XXXX when I opened the package i did not like terms of service and fees so I asked for a refund of my money. Was refused and told I have to use the card. I then tried to register it and the site said it was expired so I called the company and was told I have to purchase a New card and pay for it. I refused. I called several times and finally It took over a year to receive the new card with no fee and when I did I registered it and checked the balance. It was {$0.00} so I called them and was told that the maitence fee used up my balance. I never had a chance to use the card.
Consumer complaint received 2023-02-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2019-11-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (DE)

In XX/XX/2013 I financed a vehicle through Santander Consumer USA. At the time I had poor credit and the loan terms were obsurd. 
On XX/XX/13 I entered into. TRIPP ( temporary modification agreement ) which cut the monthly payment in half, however I was not told the ramifications resulting from this agreement or that interest only payment would expand the life or cost of the loan. I was also never provided written documentation, as promised in the TRIPP agreement as to how this would affect the payoff date for the loan. I have now paid over $ 21k in interest for a car that has a staled price of $ XXXX. As of calling last week, I was told I still owe over $ 10k on the car, which is beyond obsurd. Santander Consumer claims they wont settle my loan or allow me to pay or a percentage to get out of this predatory agreement.
Consumer complaint received 2017-08-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

Carrington Mortgage Services is trying to foreclose on my property by way of assignment and i believe that the assignment is fraudulent and signed by robo signature it was conveyed on X/XX/2017 with fraudulent documents i do not owe Carringing or XXXX XXXX XXXX as trustee of XXXX XXXX XXXX XXXX any money also when XXXX  conveyed the assignment XXXX XXXX was out of business and fraud can not be the basis of securing a deed. I am revoking the power of attorney that they have because i never gave my power of attorney to them and the company that was my attorney in-fact is out of business
Consumer complaint received 2022-08-31
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX, XXXX, and transunion have not removed a fraudulent account from my credit report. I've disputed it multiple times. I even have proof from the collection agency that the account was open in a different state. here is the proof below. this account needs to be removed as I did not open it. and they have yet to provide evidence this belongs to me. 

the account number is XXXX account name is XXXX XXXX XXXX
Consumer complaint received 2022-10-13
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: Experian Information Solutions Inc. (NJ)

In accordance with the fair credit reporting act. The list account 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 15 U.S.C 1681Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer report an 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 enter dates the report by more than seven years.
Consumer complaint received 2022-05-12
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: EQUIFAX, INC. (TN)

XXXX pulled my Equifax credit report resulting in a hard inquiry on XX/XX/2022. I never filled out a credit application, or gave permission for my credit to be pulled. I have contacted Equifax directly twice to dispute the inquiry and have been told the inquiry is valid and will not be removed. How can the inquiry be valid if I never filled out a credit application with any bank that used XXXX morgage to pull credit?
Consumer complaint received 2022-05-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2022, I sent a written dispute letter via certified mail to Experian. The account still remains and have not been fully validated. 
On XX/XX/2022, I sent another written dispute letter via certified mail and the account still remains and have not been fully validated. 
Credit reporting company : Experian XXXX XXXX XXXX XXXX TX XXXX Account being disputed : XXXX XXXX Account Number XXXX Amount {$520.00}
Consumer complaint received 2015-09-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

I have been attempting to make a payment to my account online. The payment did not go through because the creditor did not process it. I pay the debt in full every month. They stated that the issue was my problem regardless of the fact that I have submitted the payment and it did n't process due to their website error. My credit is effected.
Consumer complaint received 2022-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (PA)

Hello there, I got a mail on the date : XX/XX/21 saying that I purchased an insurance policy from XXXX XXXX XXXX XXXX, and saying that I owe them XXXX so I called them and let them know that wasn't me I never had a car at that time. I told them, that someone, fraudulently purchased that insurance under my name, I reported it to the police and I gave them that police report. but still, they are not realising from. that debt.
Consumer complaint received 2017-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (NJ)

On XXXX XXXX, XXXX @ XXXX I cancelled my XXXX  wholesale club membership {$XXXX}. On XXXX XXXX, XXXX I received an email from Comenity Capital Bank which manages the XXXX credit card, with a notice to pay {$XXXX} for a XXXX wholesale membership. I called Comenity on XXXX to advised them that I was no longer a XXXX member and should not have to pay for a new membership that was charged on XXXX XXXX, XXXX, 17 days before the expiration of the full membership. I spoke with two XXXX agents. I was told that they could not resolve the issue and the only way to fix the matter was by going to my local XXXX store to obtain a credit that would reflect on the credit card and as simple as that the issue would be resolved. On XXXX XXXX, I went to XXXX. They told me that they were not responsible for that charge. XXXX told me to contact Comenity. I left XXXX and called Comenity. I told Comenity that they gave me false information on how to fix the problem. They advised that I should wait 10 days to obtain a form in the mail to dispute the issue.
Consumer complaint received 2017-08-18
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: SYNCHRONY FINANCIAL (CA)

XXXX XXXX client XXXX XXXX is an identity theft victim ; his information was used without his consent to apply for several credit accounts. While the accounts were not established the fraudulent applications resulted in fraudulent inquiries on his credit reports. One of these was with Synchrony Bank ( Lowes ) while a dispute was sent and a clearance letter received of this inquiry however a credit report ordered XX/XX/XXXX showed the fraudulent inquiry from SYNCB/LOWES reported to XXXX credit bureau XX/XX/XXXX. This is a violation of the FCRA.
Consumer complaint received 2022-10-27
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, BK OF AMER XXXX Date Opened : XX/XX/2020 Balance : {$6000.00}, BK OF AMER XXXX Date Opened : XX/XX/2020 Balance : {$8100.00}
Consumer complaint received 2022-08-31
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 (MI)

XXXX I looked at my chime checking account and saw a transaction for {$1100.00} to XXXX  on XX/XX/2022. 

XXXX I called Chime bank to file a dispute and make them aware that I did not authorize that transaction. I received the claim # XXXX and was told it could take up to 90 days to hear back. 

XXXX I received an email saying my dispute was denied XXXX I called Chime to ask for details for why my claim had been denied. I also transferred my money from that account to another account and closed my account with Chime XXXX I wrote an email to Chime disputing the denied claim XXXX I received an email from Chime stating that my case was denied because : *There were no abnormal PIN/personal identifiable Information changes visible during the disputed timeframe. 
*There were no rapid personal Identifiable Information changed, abnormal balance inquiries, or any other sings of Account Take Over in proximity to disputed timeframe *Suggesting the cardholder maintained control of the account during the disputed timeframe *No horde of denial codes are present XXXX I emailed Chime disputing their reasons for denying my claim because they did not investigate the merchant name that was connected to this transaction.
Consumer complaint received 2024-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO. (OK)

In XX/XX/XXXX, JPMorgan Chase, N.A. I bought my mortgage loan from XXXX XXXX XXXXXXXX, according to all the information I received from both parties, I was informed that I did not have to do anything about it, it was automatically added to my Chase account. and my wife 's, everything that corresponds to my mortgage credit account appeared, including the escrow account, which has a complete summary of how they will distribute all the payments that correspond each year, such as the payment of property taxes., the payment of mortgage credit insurance and the payment of insurance for property coverage among others, all of XXXX until the beginning of XXXX, JPMorgan Chase Bank , N.A . I sent a letter by postal mail stating that my policy is about to expire and they implied that they do not have any information about it since said insurance has never changed companies, this service continues to be from XXXX XXXX XXXX XXXX XXXX XXXX since The property was acquired on XX/XX/XXXX, my wife and I have kept all payments up to date as appropriate, according to the original mortgage loan contract and we have spent terrible days thinking that our property could be left without coverage since the day Friday, XX/XX/XXXX, we went to the JPMorgan Chase branch located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, where we were very kindly assisted and helped to find out what was happening. At the branch, they called the JPMorgan Chase Mortgage department. They acknowledged having the information and that they had forgotten to make the payment for the renewal of the policy from our escrow account which has always been up to date, this has surprised us since I have been a client of this Bank since XXXX and I never thought that something like this would happen to me were to happen, our biggest concern is that said property is located in the City of XXXX XXXX in the State of Oklahoma. In recent weeks several XXXX events have occurred around. We do not want to have our property unprotected due to the irresponsibility of Those who manage our mortgage credit at this time, we believe that there must be actions and consequences when we place all our financial trust in this Banking Entity, I appreciate all the help that you can give us and guide us so that no one ever has to go through this experience again. so disgusting.
Consumer complaint received 2022-10-13
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. (TX)

I was a young kid and didnt know about credit or monitor it like i should have. Now that I am older i realize that my identity was used and I do not understand how people were able to open accounts without me knowing. Im still learning how credit works. I have fraud accounts from XXXX XXXX XXXX XXXX XXXX XXXX. I also have a bunch of inquiries that I did not authorize.
Consumer complaint received 2022-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (MD)

As a young lady I was never educated about my credit or even checking my credit. Now that I am older and want to purchase a home I Started educating myself more about my credit and Started to look at my credit more. I realized that my identity was used, which I do not understand how people or a person was able to open accounts in my name,
Consumer complaint received 2022-05-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I filed a dispute to remove the inaccurate information about bankruptcy chapter XXXX and dismissed bankruptcy on my personal credit. I had sent a copy of the Bankruptcy XXXX XXXX XXXX New Jersey stating they do not report to the credit bureau. In addition, do not authorize any third party to convey information to the credit bureau. I had requested the bankruptcy information be removed from my personal credit report. The credit bureau had failed to remove the information that was not reported by the Bankruptcy XXXX XXXX XXXX New Jersey.
Consumer complaint received 2024-05-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (TN)

Commencing on or around XX/XX/2023, I fell victim to a multi-layered scam operations run by XXXX XXXX XXXXXXXX which involved me making deposits for a total amount of XXXX USD from my CashApp account to fraudulent investment firm.
Consumer complaint received 2022-12-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I have fraudulent accounts open on my credit report. I've filed a ftc report and the accounts are still on my credit profile. the following accounts are XXXX XXXX XXXX from XXXX, the other is XXXX XXXX XXXX  from XX/XX/XXXX, and the other account is XXXX from XXXX XXXX these accounts are fraudulent and need to be removed immediately. 
I also have inquiries that are fraudulent as well. please remove them they are listed below with my ftc report.
Consumer complaint received 2019-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IL)

Secured FFEL loan. Loan transferred to different services. Made numerous payments on loan. Servicer would not provide documentation or verify existence of loan. I have paid in excess of the amount I have borrowed. Servicer refuses to allow me to make a lump sum payment on loan. Servcer only will take payments with inflated interest. Servicer will not provide proof of payments to date. Servicer lied to me to get me to make payments by saying I needed to pay them before I could utilize a rehabilitation program. Pursuant to OMB Form No. # 1845-0120 I do not need to make payments before applying for rehabilitation.
Consumer complaint received 2022-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act XXXXXXXX XXXX XXXX XXXX XXXX ) account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a customer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2015-09-25
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (WV)

On XXXX I accessed MY credit reports from the XXXX credit bureaus and found a credit card account which was opened at XXXX in the name of XXXX XXXX XXXX, my mother showing as " Open ''. My mother passed away on XX/XX/XXXX and as the " Personal Representative '' of the estate I contacted XXXX who services the account under the name of " Elan Financial '' credit card of her death via written correspondence dated XX/XX/XXXX and XX/XX/XXXX providing them copies of her death certificate and the " Letter of Administration '' from the XXXX XXXX Maryland Register of Wills Office. I contacted XXXX on XX/XX/XXXX and after numerous attempts to actually speak to someone in the Internal Collections Department I finally reached a representative to whom I provided the above information as well as my complaint that this account was even on MY credit bureau records but more importantly that the account had been paid in full in XX/XX/XXXX and at least should have shown as " Closed ''. I further advised her I had received correspondence dated XX/XX/XXXX from XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MN XXXX Reference Number XXXX who was acting as the collection department for Elan Financial confirming that the account was settled and that Elan Financial would be filing a XXXX with the IRS. She stated that she had no record of receiving any information naming me as the estate representative and could not discuss the account details over the phone. I advised her they had been provide to XXXX XXXX XXXX already and i would not send them again. She further stated I would have to sent written requests for the matter to be considered and she was unable to help me. I stated that the complaint was false information on MY credit reports and saw no reason that they were unable and unwilling to access the account in question without discussing it with me and find the account was closed and to notify all three credit bureaus of that fact. Again she stated she would do nothing unless I made written requests.