davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with The Fair Credit Reporting Act XXXX  1 ) XXXX XXXX account # XXXX, has violated my rights. 
2 XXXX XXXX XXXX account # XXXX, has violated my rights 3 ) XXXX account # XXXX, has violated my rights. 
4 XXXX XXXX XXXX account # XXXX XXXX ) XXXX account # XXXX, has violated my rights. 
6 ) Maryland XXXX XXXX account # XXXX, has violated my rights. 
7 ) XXXX  XXXX account # XXXX, has violated my rights. 
8 ) XXXX account # XXXX, has violated my rights. 
9 ) XXXXXXXX  XXXX account # XXXX, has violated my rights. 
10 ) XXXX XXXX rec Account # XXXX, has violated my rights. 
11 ) XXXX XXXXXXXX account # XXXX, has violated my rights. 
12 ) XXXX account # 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. also states a Consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-08-08
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. (FL)

I have been having an on-going problem with Equifax. This sub-standard company is violating Federal Law at will and does not care about customer service, proper conducting of investigations and continually reporting false information and undocumented information in violation of law. I had an ID theft ( prior  complaint filed XX/XX/19 ) back in XXXX of last year. ALL other credit bureaus removed the false accounts but not Equifax. They have been supplied with ALL documentation yet they keep reporting this account : XXXX XXXX and XXXX on my report. There is no reason to continue reporting this false information. I am really shocked a company like Equifax would do this. I have been denied employment as a result of this false information and I fully intent to sue them for damages if they do not remove this. Please help. Hold them accountable for this!!!!
Consumer complaint received 2022-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (MA)

ServiceMac LLC has not paid any property taxes from my escrow upon an earlier transfer of my mortgage from XXXX ( who also failed to pay my city taxes ). The mortgager has however steadily increased my payments to address overages in the escrow account relevant to the property taxes. They are withholding the taxes from the mortgage payments as indicated in the escrow analysis and billing HOWEVER all of the information pertinent to property taxes is not consistent with the XXXX of XXXX 's tax assessors/collections office. The taxes are assigned and paid based on the parcel # XXXX, yet XXXX has come up with some absurd excuse stating that the taxes were misapplied by the City to a different property based on the name of that mortgagee. Again taxes are assessed and identified by parcel #, that said this Servicer and the one before it that they transferred the mortgage from are providing disingenuous accounting information on the billing and the projected escrow analysis as they are not even paying any of the taxes. I have asked for proof of remittance to the city however have not received it. I have however received notices of delinquencies from the city and a tax lien notification due to none disbursement of the amounts withheld in escrow. Now ServiceMac has the gall to tell me that my mortgage is being raised yet again for property taxes-that they arent even pay! Its as if I have an adjustable rate as the mortgage is steadily increasing without any confirmation that they servicer is distributing the funds as contractually agreed upon. I have also told them that they need to cross-check whatever they are quoting to me with the prior Servicer as they too have falsely reported remittance to the City of XXXX. Im reporting so that a regulator can track and check this servicer for fraud. I cant tell whether its incompetence or intentional but this servicer is miscommunicating and not following servicing rules.
Consumer complaint received 2018-09-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I have sent Fair Collections & Outsourcing a Debt Validation letter three times asking them for proof that I owe them any money. I have ask them to provide me proof that I signed any letter or invoice stating that I would pay them for any service. They have failed to provide me with any proof. I have asked them to stop reporting this alleged debt to the three ( 3 ) major credit reporting bureau 's ( XXXX XXXX, XXXX and XXXX ) until they provide me with the proof I have requested, they have failed to stop reporting this alleged debt.
Consumer complaint received 2017-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

On XXXX XXXX 2017, JP Morgan Chase closed all 5 of my credit card accounts without warning, and despite perfect payment history for the entire history of my relationship with Chase. I did not violate any terms of service, did not make any suspicious or unauthorized purchases, and was simply told by the customer service representative that I was determined to be a 'risk ' due to the amount of credit cards from Chase I had. This was despite being recently approved for a new Chase card. I would have certainly preferred Chase decline my application, rather than allow me to be approved, only to go over some unknown thresh hold and terminate my relationship. I attempted to call and appeal the decision, but was brusquely informed that there was no appeals process.
Consumer complaint received 2022-03-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (RI)

I was with XXXX XXXX XXXXXXXX and in a forebearance that ended XX/XX/2021. I was in process of getting a XXXX XXXX flex modification when my loan was switched to a new servicer select portfolio servicing. I have not gotten any answers as to what happened to the flex modification I was supposed to need put in from this new servicer. They tried to put me in a repayment plan that is {$14.00} more than my total monthly income of {$1000.00}! All without me submitting any financial documents to them. I can afford my regular payment with an additional {$100.00} towards balance of unpaid payments, but not much more. Please help, I'm a single, XXXX woman on XXXX and do not want to lose my home.
Consumer complaint received 2017-08-16
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: CITIBANK, N.A. (CT)

This is the second time I have disputed a charge with Citibank and they refuse to investigate. I stayed at XXXX XXXX in XXXX NH from XXXX XXXX-XXXX, 2017 and paid for it with my Citibank card. The hotel suffers from infestation - rats and mice - which everyone at the conference I attended reported. Rodents actually ran across the speakers area at the conference while they were speaking so literally one hundred people witnessed this. I reported it at the time - along with others - and nothing was done. I have a complaint number XXXX to prove that I reported this and Citibank continues to honor the hotel 's denial even though there are several witnesses to this.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (AL)

on XX/XX/2021 I made a call to Toyota Financial Services and explained to them that I had an incorrect late payment on my account. I was told it would be investigated and I would be notified by mail. Later XX/XX/2021 I received a letter informing me that " this account was reported as deleted for XXXX XXXX ''. I checked my report 30 days later and it was still there. I have tried for several months to get this removed form my account. This process has cause me to lose out on property, funds and caused a lot of frustration and destress. Toyota placed a 30 day late payment on my account and I have never been late. I bought a new car and in the process of the dealership transferring the payoff of the first cat to Toyota financial the communication between the two were lost. I was received 2 different contracts and the financial company said they only got one. I had to prove to them that I had 2. I am in the process of XXXX a house and this late payment is holding the process up. Because of this mistake I have lost out on many homes and funding. I need help getting this Item removed.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OR)

Equifax has caused me severe problems. XXXX years ago I was denied credit from an error on their end. Now once again I have been denied credit. This time however is a severe breach of my privacy. I must find out how to press legal charges against this company. They continue to make errors on my credit report, and have caused me severe consequences. I must know how to force them to finally fix my credit report after over XXXX years of trying on my own. This agency has some of those complaints, yet this agency does nothing to help. Who can help me fight this company that seems to enjoy destroying my life?
Consumer complaint received 2022-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (MA)

I'm disputing charges and requesting my Chase credit cards be closed. 
On XX/XX/XXXX, I received an email from Chase Credit Card stating that " your credit card ending ( XXXX ) statement is ready and the statement balance is {$40.00} and due date XX/XX/XXXX. As soon as I received this email, I called Chase and disputed the charges. I told the operator that I did not use this credit card since XXXX of XXXX due to many problems I had with Chase. If there are any charges, they are unauthorized charged. I asked the operator to close my account, but instead, the operator told me that he would send me another credit card. The problems started last year when chase stopped sending me the monthly statement by mail. Then, per Chase 's instruction, I opened an online account, but Chase blocked me from accessing my account soon after I opened it. I have no way to know who is charging me and why I'm being charged. If there are any charges on my Chase card ending XXXX, as alleged in the email, I dispute those charges and request them to be removed from my account. I also request this credit card ending XXXX be closed immediately. In addition, I request that my other credit card with Chase ending XXXX be closed as well. I appreciate your help.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX Fraudulent use of my XXXX  XXXX Mastercard which has been entirely in my possession and not used for a year. 

XX/XX/XXXX Phone call dispute of charges with XXXX. Assured that XXXX  XXXX Mastercard will reverse the charges and that I am not responsible for late payment of fraudulent changes XX/XX/XXXX XXXX  Mastercard Annual Credit Fee charge XX/XX/XXXX Payment of Annual Credit Card Fee XXXX  XXXX Mastercard reverses fraudulent charges BUT XXXX  reports ( erroneous ) late payment with XXXX XXXX XXXX, lowering my credit score XXXX points XXXX XXXX Several calls to XXXX  XXXX Mastercard fail to resolve this credit reporting issue Consumer reports issue with XXXX  XXXX Mastercard to Transunion and awaits response.
Consumer complaint received 2022-03-19
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. (PA)

Credit report shows {$600.00} collections thats been on my report for XXXX years I just noticed I called the original creditor and ask them to produce a bill for said perform services they said they couldnt find it because its in collections I disputed it with collections but they left no information to contact them I dispute it through Trans Union and I didnt go anywhere I believe it is fraudulent they cant produce a bill with services on it with my signature How do they expect to prove that it is How do them for original creditor cant produce the information that has a collection agency supposed to produce the information especially when theyre not leaving any contact information for me to get a hold of them
Consumer complaint received 2022-03-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IN)

On XX/XX/2022, I XXXX transferred {$2000.00} to a scammer connected to a XXXX XXXX Bank. My Bank of America recently told me that they would not be able to dispute this transaction. 
The scammer pretended to be a landlord for a 1 bedroom apartment in the XXXX XXXX area of XXXX, XXXX Our communications have been through email, and the scammer pretended to list their " apartment '' on XXXX. XXXX told me the numerous red flags of the situation, confirming that it was a scam.
Consumer complaint received 2022-03-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On Friday, XX/XX/XXXXXXXX XXXX XXXXXXXX, I received a phone call from chase bank alerting me that a wire transfer for a large sum seemed unusual activity for my account was initiated. They asked me to confirm if that was me and I said NO, it wasnt me. Chase Bank asked me personal information regarding my account and I immediately asked to speak to a supervisor for clarity. They transferred me to a supervisor. The phone number matched the same phone number on the back of my Chase Bank Card so I was not immediately suspicious, as I thought I was speaking with my bank. I was directed to take steps to reverse the wire transfer. During this time a wire transfer in the amount of XXXX was taken out of my account. I called Chase Bank right away and was directed to fraud protection, they advised me to recall the wire transfer. So I did as directed. The representative for the bank told me I was not to worry and I would be in the clear stating the transaction was still pending and these transfers take XXXX. to process. At this time it was XXXX Friday and the local branches were closed. I called the follow up phone number included on a Chase email confirming the fraudulent wire and I was put on hold for 50minutes before trying desperately to intercept my money. First thing Saturday morning, XX/XX/XXXX, I went into Chase bank and filed a claim, I also filed a local police report. I had no support from chase regarding this matter all weekend. By the time chase initiated a recall or a reverse on the wire, the fraudsters were long gone with the my money. Chase also did not call me to verify this unusual transfer when it was pending, someone, other than me called Chase and told them my private information and they passed these so called high risk security questions. Chase themselves were scammed into thinking it was me. Chase did not call me directly for me to verify an unusual wire transfer, never. They haphazardly accepted a security call in from someone that was absolutely not me, and not from the primary phone number to process this fraudulent wire transfer. Unacceptable/unreliable verification procedures on Chase Banks behalf has allowed criminals to get away with over {$20000.00} of my hard earned money. They have a recording of the fraudulent persons whom pretended to be me and passed my security questions in real time to a Chase Bank representative as they authorized the fraudulent transfer. When I asked for those records they refused and basically told me that I allowed this to happen and that I benefited from this fraudulent activity. Statement from Chase : " We are denying your claim because we determined that the item ( s ) being disputed were authorized or you received benefit from the item ( s ). '' Chase Bank takes zero accountability and puts all the blame on me.
Consumer complaint received 2022-03-19
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (FL)

I received phone calls from these credit collectors from time to time even though I disputed the amount they are collecting.

I felt being harassed by these collectors, calling using unknown caller IDs. Today again, a female collector from Midland collections says she has the right to call and collect a debt. And they are authorized and can resume collections anytime by the Fair Debt Collections Practices under section 809. non-stop harassment? Why is that?
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-27
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

So this happened to me today. Beware scammers can clone your credit card 's XXXX XXXX number. I got a call from my legitimate credit card XXXX XXXX number saying my card had been used for suspicious activity totalling {$3000.00}, would I confirm my number so they could cancel the charges and shut down my card, Wait a minute, you tell me my number, I don't tell you! He was very plausible but could not tell me my number, he wanted me to tell him. I hung up, called my bank and sure enough they had not called me, no fraudulent charges on my account, they told me scammers can now clone their number to seem legit, NEVER give out your credit card number, if it's truly your bank they already know it. Since then I got 5 calls in a row from the number on the back of my credit card calling me a XXXX, XXXX and XXXX, apparently scammers are poor XXXX!!! And my credit card bank, Capital One, say they can do nothing about it, shame on them. They won't warn their customers about this and they will do nothing to stop it happening. I am supposed to just take these abusive phone calls from their phone number and they walk away!!!
Consumer complaint received 2022-03-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Aargon Agency, Inc. (DC)

On XX/XX/XXXX, I received a note from my credit card company ( which does credit monitoring ) that I had a new negative credit report. Aargon Collection Agency has a collection on me for {$120.00}, apparently for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX. This is the very first time I had heard anything about this debt, whether from the hospital or Aargon or anyone else. I have never once been contacted by anyone regarding this bill. The collection agency said that my address was listed at a residence I had last lived at in XXXX, and they gave an incomplete address for that even ( they did not have the full street name, the street number, or my unit number ). 

During my hospital visit in XX/XX/XXXX I distinctly remember filling out forms including my current ( to this day ) address, phone number, and email. XXXX XXXX XXXX XXXXXXXX XXXX XXXX and Aargon did not make use of any of that information in attempting to contact me. Even my emergency contact ( as told to me by Aargon ) was listed as my late father, who passed away several months before my XX/XX/XXXX hospital visit. They must have had information on my file from over a decade before and failed to use the recent information I provided them.

This negative credit report has lowered by credit score from XXXX to XXXX, in one day. I am attempting to apply for a mortgage currently and this mistake will cost me thousands of dollars in additional interest. 

I am happy to pay whatever I owe, but I have never seen a bill for this charge, I do not know if my insurance was properly applied, the hospital did not attempt to reach me before sending this bill to collections ( even though I provided them with accurate contact information at the time of my visit ), and the collection agency did not make any serious attempt to reach me before filing a negative mark against me with the credit agencies. I have lived at my current address for over seven years and have not changed my phone number since XXXX ; my contact information is also readily available from commercial sources. 

This negative credit report needs to be completely and immediately removed from all of my credit records.
Consumer complaint received 2022-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (NE)

My credit score has dropped hundreds of points over a few months even though I never got any loans or did not pay for something. I have made any payment on one credit card I have with only {$150.00} limit. Old ( from up to 7 years ago ) are now showing up on the report that have already been paid, settled or do not belong to me. Please help
Consumer complaint received 2022-03-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sarma (AZ)

XXXX sold my credit card debt to Sarma. I negotiated a 50 % settlement. I would make XXXX payments of {$100.00} a month for XXXX months with a balloon payment on month XXXX. At the time, I was told that the balloon payment could be negotiated into a new payment plan if I was not able to come up with it. I called in XXXX again in anticipation of the balloon payment approaching in XXXXXXXX XXXX 2022. Again, I was told if I could not make the balloon payment I could negotiate the balance. Sarma contacted me this XXXX. I told them I wanted to renegotiate a new payment plan for the balance. The XXXX, XXXX, said that because I could not make the payment that the balance would go back up to essentially the original amount of the debt, XXXX XXXX. She said she could make a new settlement and could " Possibly '' put it in writing. The new settlement did not account for the entire {$1100.00} I had already paid them. I asked her where the {$1100.00} had gone and she could not tell me. I think their practices are crooked and want to know where my {$1100.00} is.