davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Unlimited Progress Corp (IL)

I have had a " unpaid '' late collection agency claim put on my credit report for {$540.00}. This is for a bill from the  XXXX   XXXX  of  XXXX . I have NEVER been to this place. This has been done by a company named :  Creditors Discount &amp; Audit -   XXXX   XXXX   XXXX   XXXX  -  XXXX ,  XXXX   XXXX   XXXX  Account #  XXXX  This is NOT my bill. I want this removed immediately!     Thank you ;
Consumer complaint received 2022-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

I purchased XXXX  from XXXX ON XXXX XXXX in the amount of {$840.00} for a Concert at XXXX. I used my American Express Credit Card. My Amex has a {$25000.00} credit limit. I filed a dispute due to not receiving the etickets. American Express stated that there was going to be an investigation and it may take up too 8 weeks. Then 4 weeks later they put back the charges and stated the company has a no refund policy. I explained that I never received the tickets, and how was a liable for merchandise I didn't received. I also stated that there should be a way that tickets purchased can be proven that it was redeemed at the XXXX I disputed this charged 3 times and Amex continue to tell me that the company has a no refund policy. I explained multiple times I didn't receive the merchandise. I paid the amount because I'm in the process of purchasing a home and wanted a XXXX balance on my card. The concert was XXXX XXXX, 2021. I didn't attend due to not having the eTickets.
Consumer complaint received 2016-02-14
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (NH)

1. There has been a Chase Bank error in the XXXX Credit Report of this Complainant - consisting of a failure to comply with the 7-year maximum Federal Law to timely remove a defaulted ( " charge-off '' ) credit card debt error in this complainant 's personal XXXX credit report for the credit card debt filed by Chase Bank - listed as the Chase account beginning with # XXXX. More specifically, the error is in the 7-year removal date - where XXXX has not deleted this negative from this complainant 's XXXX report after the end date of the 84th month - the date of XX/XX/XXXX in this case ( in contradiction with the facts this complainant provided in his phone call to them on XX/XX/XXXX and via Faxed documents on the same date, creating XXXX Dispute file # XXXX ). The incorrect end-timing Chase provided to Equifax is " XXXX '' - three months tardy. 

2. The specific documentation of this 1st late fee date ( of XXXX/XXXX/XXXX ) is attached to this complaint. All of the documentation for correcting this complaint error is described in a multi-page letter filed with this 3rd CFPB complaint. Also provided with that letter are a number of documents, including ( a ) the recent Complainant 's XXXX credit report page that includes this error, ( b ) copies of an XXXX Invalid Dispute reply that fails to correct their error, i.e., a reply that ignores the documentation this complainant provided that irrefutably supports this complainant 's corrections, and ( c ) copies of the creditor 's contemporaneous monthly statement postings of the 1st late fees that proves this complainant 's correction this error - using the books of the company that incurred these charges - this complainant 's employer. The attached letter also explains how these credit card debts are all company debts and that none are personal ( non-business ) charges made by this complainant. 


3. This complainant 's lost income damages are also detailed in the attached letter. In summary, these damages are {$420.00} per week-day plus, as this complainant is a victim of fraud and as such, this complainant 's state law specifies treble damages ( of {$420.00} X XXXX ) or {$1.00} per week-day. The damages resulting from the 7-year end date credit report errors began on XXXX/XXXX/XXXX in the case of this 6th CFPB complaint involving the Chase Bank credit card ending in # XXXX ( major negative ) still in this complainant 's XXXX report for approximately 3 months after that date - if not timely removed after the 7-year end date. The lost income damages are due to prospective employers of this complainant not willing to hire him, or any job applicant for a financial or security position of trust if any major negatives appear in their credit reports. As of XXXX/XXXX/XXXX, the accumulated treble damages are {$43000.00} for six weeks and four days of damages, if the CFPB chooses to assess damages in this case.
Consumer complaint received 2022-04-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/2022, someone used my Social Security Number and potentially other sensitive information to open a checking account with Chase Bank. The fraudster used a counterfeit US Treasury CheckXXXXEconomic Relief with my name and address on the check for the amount of {$600.00}. On XX/XX/2022, Chase reported the fraudulent check to my address with a copy of the counterfeit check in question. I received both the notification letter, along with a debit card associated with the new bank account in my mail on the morning of XX/XX/2022. I reported the fraud immediately to Chase after these documents and card. Chase has since closed the account and all online access into it, and has filed an internal investigation on the matter. I have also taken steps to report the ID Theft to my local police and filed an investigation on the matter separate from the bank. 
Thank you.
Consumer complaint received 2022-01-24
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (DC)

We have 3-year auto loan through Mazda Financial services XXXX We had the account set up for recurring payment which processed successfully on XX/XX/21, XX/XX/21, and XX/XX/21. 

In XXXX, my wife and I attempted to change the recurring payment account to our joint checking account. Mazda Financial Services allowed us to make the change, and we received an email on XX/XX/21 that our recurring payment was about to proceed. 

Our complain is in regard to what happened next. Mazda Financial cancelled our recurring payment without notifying us. The account went unpaid until XX/XX/21 when we realized that they had not debited our account in XXXX, XXXX, and XXXX. The recurring payment had been cancelled and completely removed from our account. We immediately paid the full outstanding balance and setup the recurring payments once again.

Mazda reported our late payments to the credit agencies/companies and our credit score took a massive hit, to the point where our application for a home loan was denied. We had stellar credit scores before this happened. We were making a good-faith attempt to pay the monthly balance through auto-pay, so we believe this is extremely unfair given we were not notified of any issue. 

When we called Mazda Financial Services they couldn't even tell us why exactly the payments had been cancelled, and couldn't tell us what account they had attempted to transfer the payments from. We have no way of knowing what caused the error/cancellation of our recurring payment.
Consumer complaint received 2022-01-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc (AE)

The company called my number and asked if I was the person they attempted to call. From there they said they were calling to get information about my ex. Why are they harassing me about getting in contact with her, and why they asked to verify if I was me on a recorded line. They should not be contacting anyone other than the person who has a Debt with them directly. I called the number ( XXXX ) and asked who they were and and what is their business. He told me Williams & Fudge but declined to said what is their service industry. This is an unethical business practice.
Consumer complaint received 2022-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have a credit history of 21 years. This month, I checked my credit score through XXXX and saw my score had dropped XXXX points, because my length of credit history was 5 years. 

I called XXXX, they told me they use Transunion scores. I called XXXX  last week to explain, and was told it was being escalated and they would call me back. 

They did not call back, and there was no sign of it having been reported at all. I called Transunion today, to be told that - while XXXX says they use Transunion, there's no guarantee they aren't using outside third-party metrics bla bla bla - and, in short, there's nothing they can do, either. 

My XXXX and XXXX show the correct length of history. Why has XXXX/Transunion lost 16 years of credit, and why won't they fix it? I'm furious.
Consumer complaint received 2022-01-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (FL)

Please note that my late mother 's mortgage was sold from XXXX to Selene Finance. I contacted Selene Finance on XX/XX/XXXX via phone @ XXXX, and the company did not have my records. I was told to call bank after the XXXX of XXXX, and I did so, and the company could not find my late mother 's will, death certificate, and POA. I was told to fax this information, and I did so the same day. I received paperwork from Selene Finance on XX/XX/XXXX, and I have tried for over 8hrs to get through to them w/o any success. The former company XXXX was supposed to transfer the mortgage from my late mother 's estate to my name. I have been working on this for over 1yr. The prior bank told me not to make payments while this process was going on, and they kept losing my paperwork. I was getting ready to resend this paperwork to XXXX  on XX/XX/XXXX, and I was informed that Selene Finance would be taking over, and XXXX told me to wait to hear from Selene. I can not get through to them.
Consumer complaint received 2022-01-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

My concern is terminating XXXX  from my mortgage. I am over two years into my mortgage with 13 % off original price of the home paid. I paid 10 % down. Can I have my home reappraised and use it's current value as a way of having the 22 % required to terminate XXXX?
Consumer complaint received 2021-08-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (HI)

After prequalifying on a {$80000.00} Conventional Mortgage Loan. The borrower does not approve my Loan amount. XXXX XXXX was my Mortgage loan officer and he clearly knew about the HOA amounts. I have reserves totaling more than the loan and was approved then denied based upon the HOA totals. I do plan upon moving to XXXX and should have no problems with getting gainful employment with my field of business or employment.
Consumer complaint received 2022-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (OH)

I, XXXX XXXX, give authorization for True Accord to move forward with this complaint. 
THE COMPANY True Accord HAS EMAILED CORRESPONDENCE STATING I OWE THEM IN THE EMAIL AN ALLEGED WITH XXXX  XXXX. THEY HAVE PURCHASED A DEBT WITHOUT ME BEING INVOLVED IN THE TRANSACTION. The company, True Accord, purchased a debt from another company and I have no involvement or a contract with my signature with the company True Accord. PURSUANT TO 15 U.S. CODE 1692E. False or misleading representations. USC 1692 Notes a debt collector may not use any false, deceptive, or misleading representations or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any state, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of- ( A ) the character amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. On XX/XX/1993, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Whereas propers regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency are inconsistent with the declared policy of Congress in the payments of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and Every obligation heretofore and hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. Please remember no written consent is identity theft.
Consumer complaint received 2022-01-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK (PA)

this is the second time iam filing a complain on midland mortage about my mortgage documents.i went back to viginia on XXXXmet up with my wife at XXXX  and we both sing the papper in front of a notary and sing the papper the send me in the mail.theme to california.XXXX XXXX XXXX XXXX XXXX XXXX XXXXand XXXX informend me they delivy theme.on XX/XX/XXXX XXXX am.i also have a tracking # .so i dont know what they are talking about.i was put in to a forbearance be fore they took over my mortgage.they suspose to get me in to a morforcation at the end not trying to take my house that i live in for the last 13 years.they dont care a bout home owener they just want to take my house.like i said.every papper i gave to them some thing is worng with them.my next step is contact. ATTORNEY GENERAL OF PENNSYLVANIA.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$460.00} XXXX XXXX  XXXX Balance {$7.00}
Consumer complaint received 2022-01-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC (CA)

In XXXX of 2021, I fell victim to a telephone scam masquerading as the XXXX XXXXXXXX XXXX using the Zelle money transfer service, for the amount of {$3500.00}. I filed a fraud complaint with XXXX  XXXX XXXX, and 60 days later, without explanation, the money was refunded to my account. 

I have since left XXXX and moved my finances to the XXXX XXXX XXXX XXXX, where I tried to reestablish Zelle as a service. I was very surprised to find out that my mobile number and e-mail have been put on a block list by the Zelle corporate entity, Early Warning Systems or https : //www.earlywarning.com. 

My bank, XXXX, tells me that they ( XXXX ) can open access to Zelle to my account, but if there is any future fraud loss, XXXX will be open to severe fines and penalties from XXXX. Furthermore, I am told that consumers using Zelle have no fraud protection whatsoever, and advised that I use XXXX or XXXX. 

XXXX tells me that can not comment and I have to go back to my bank, which tells me the decision was made by XXXX, not them. I am stuck in a loop. 

How are payment transfer companies like XXXX regulated? Or is it a freewheeling company that exists outside of government banking regulations? 

I am pursuing this on social media but wanted to let the CFPB know how consumers are defrauded by this faceless corporate entity.
Consumer complaint received 2018-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (PA)

I have sent 2 certified letters to LEXISNEXIS asking to verify bankruptcy being reported on my consumer file with them.They receive letters on XX/XX/XXXX and XX/XX/XXXX.Ask for names, address, phone numbers of whom the contacted about bankruptcy being reported on file with them.Received first response from LEXISNEXIS ( saying after reinvestigation of the data in question. LEXISNEXIS  VERIFIED THAT BANKRUPTCY IS ACCURATELY REPORTING ON YOUR LEXISNEXIS RISKVIEW REPORT ) .The second letter basically was asking the same thing, asking for names, address, phone numbers.But instead they sent a RISKVIEW DISCLOSURE REPORT REQUEST.WHICH I DID NOT ASK FOR.PLEASE NOTE : BANKRUPTCY RULE 9037 WHICH STATES THATpersonal identification information defined as individuals, social security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with court.please help me resolve this problem of getting it remove from my consumer file with LEXISNEIXS.And any automated response or e-Oscar verification is unacceptable from LEXISNEXIS.THANK SO MUCH
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late closed, charge off and collections. I have tried numerous times to have this situation resolved with no resolutions. 
Inaccurate Addresses : XXXX XXXX XXXX  XXXX, TX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ; Accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX and XXXX XXXX.
Consumer complaint received 2022-04-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TN)

I have been attempting to pay my monthly student loan payment for a week. The account has become locked and attempts to reset the the password or username have been blocked as well. I tried to e-mail the company, but I have to be logged into my account to access the e-mail form. I was provided with a XXXX number to unlock the account but there was no option on the main menu to unlock the account or to speak with a customer service representative. The entire menu was automated with no clear information on how to speak to anyone about unlocking the account so payment could be made. The only option was to pay by check over the phone, but with this option I am still left with a locked account so I am unable to check my balances or engage in correspondence with the company through e-mail.
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (AL)

In XX/XX/XXXX my XXXX XXXX XXXX Credit Card, issued by Commenity Capital Bank was closed due to the joint applicant filing for bankruptcy. Prior to the filing, the account had NEVER been paid late, ( I was also able to get Commenity to verify 4x that I had never been late on the account ), however in XXXX & XXXX of XXXX two late payments were reported to all 3 bureaus for this account. This is very inaccurate, as this account had already been closed and included in bankruptcy. Commenity could be in a lot of trouble if I move forward with my attorney, as this is considered an act to try and collect after a bankruptcy has been filed and discharged.
Consumer complaint received 2022-04-08
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B