davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

I was scammed out of {$4500.00} through the pay friends app on my banking app. I immediately contacted the bank to inform them that the transactions were not authorized by me and that I wanted the transaction reversed. The bank said all i could do was file a dispute and advised I make a police report. I made a report with the local police as well as the FTC. The bank knows who took the money since they too have the pay friends app. I told the bank the transactions were done through a shared screen as I thought I was speaking with someone from tech support who would be helping me with my account, not stealing from me. I have submitted the case numbers for both reports I filed a long with a detailed email stating what happened. I had gotten a student loan for a vehicle purchase, and I was trying to transfer money to the zelle app from my bank for payment of vehicle. I thought I had called zelle customer support the guy told me he would have the tech guy call me back. When I received the call from the guy I thought was tech support he proceeded to take 3 transaction 2 for {$2000.00} and 1 for {$500.00} each sent thought pay friends on the chime banking app. After the first transaction the guy assured me the money would be put back and while waiting for the money to be put back he completed the other two transactions wiping out the funds in my account. The bank investigated and found no error. I asked for the details how they reached there decision and found several questionable reasons. I contacted the bank by phone and email requesting answers to these questions of how they reached their decision. I was told someone would contact me which has not happened yet the event took place on XXXX since then I have been required to reopen my dispute several times then I filed a rebutttle a long with information of their misinformation in coming to their decision. I live in a rural area and attend college not being able to get my money back to buy a car has caused me much stress and anxiety as I have to travel by bus 50 miles one way to school. I have missed drs appointments and have to spend 8 hours at school for a 2 hour class due to the bus schedule. I have stated to the bank time and time again that I did not authorize those transactions. Still nothing has been done about it the bank is allowing thieves to steal my money they have information about them since they too use their service.In my opinion they have basically aided and abeded those criminals when they did not cancel or reverse those transactions. I have done all the bank has asked and submitted all information they have requested, still they don't take what I say into consideration. I have yet to speak personally with someone about this issue I only get generic email responses back
Consumer complaint received 2019-09-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

Complaint about Chase Bank ... .. 
We were told our loan should have no issues, excellent credit, lots of equity, large income. We were told to expect to closing on or near the date of XX/XX/19. But the APPRAISAL VALUATION DEPT. at Chase Bank had the appraisal that was done on the property and was holding up the process. Question after question, some that were complete nonsense. Questioning 1. why the quest house didn't have a dining room, 2. why was value giving to our game room, 3. why wasn't foreclosures uses as comps, ( more than once this question was asked ) 4. why weren't we living in our main house yet, 5. then why were we living in our guest house, 6. obsessive questions about why we didn't have crops while living in the country, 7. why didn't we sale our house when we listed it last year, 8. saying our pond would be not be conducive to crops ... .THEREFORE UNMARKETABLE, 9. they insisted properties with only one house be uses as same value to our property that has two large newer homes. On and on they ripped the appraisal apart for 3 weeks. Costing us time and money. Trying everything to DEVALUE my property over and over again! When we had had enough we emailed the loan agent a note that we believed the only thing they were validating was their jobs, also the appraiser got snarky with them because they were never happy with any of her answers. My loan agent had forwarded our email to that Valuation dept. and the result was that the Appraisal Valuation dept. DENIED our loan. My loan officer was shocked ... I believe this was out of spite.

We have had appraisals done 3 times by 3 different people over the course of a year and all were over {$1.00} XXXX. But Chase Appraisers could not accept that. 
Our Credit score over 800 Our Income over $ 100K Over $ 780k in equity ... .. 
The loan agent filed a complaint on our behalf and we were supposed to receive a phone call from the bank within 3 days ... that never happen. 
It seems to me the appraisers at Chase should just do their own appraisals, why pull a third party into it? 
I am attaching copies of the questions the appraisers at Chase Bank sent to the independent appraiser THEY HIRED at my expense.
Consumer complaint received 2018-07-30
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NC)

Ocwen loan servicing has been returning my mortgage payments since XX/XX/XXXX, lastly I sent a Cashiers check of XXXX for a written agreement for a repayment plan. 

I am actually behind about {$8000.00} but Ocwen imposed penalties and late fees. I should not be penalized at all for this mortgage fraud since I was in Chapter XXXX bankruptcy. Also, in XX/XX/XXXX, Ocwen told me I needed to fall behind in payments in order to qualify for a Loan Modification. Now ocwen is threatening Foreclosure. 

Please add me to the Class Action lawsuit against Ocwen for Mortgage Fraud.
Consumer complaint received 2018-03-13
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. (FL)

I provided proof to Experian that a debt collection agency who purchased Credit Card debt, XXXX XXXX XXXX, is using the tactic of illegally re-aging debt so that it will appear on my credit report longer than seven years past the the initial 30-day late payment of the debt. The debt should no longer be reflected on my credit report, but the debt collector has reported false dates in order to retain the debt on my credit report past the legal statute. The credit agency, Experian, did not sufficiently investigate my claim of innacutare 1st delinquency dates on the original debt, and will not re-open the investigation, although I have provided proof that the debt collector / debt buyer is reporting false dates.
Consumer complaint received 2019-08-26
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. (FL)

Equifax ; XXXX  and XXXX are reporting incorrectly a charge-off in the amount of {$7100.00} on the XXXX XXXX account number XXXX. ( Please see page 2 attached from my credit report. ) This vehicle was in a car accident and the insurance company paid off the remaining balance due and therefore there is no outstanding balance to report and/or charge off. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this, however I have not been successful.
Consumer complaint received 2018-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I have been contacting this company for almost 2 years and informing them that I do not owe for this debt. I went to the emergency room due to XXXX XXXX but due to an extended wait time I left the emergency room and was never seen by any physician. 

The company agreed by phone to remove the debt several times but has failed to do so, in fact the company has posted this debt under my credit file! 

I need this matter addressed with CFPB because attempts to rectify it on my own have been unsuccessful. 

Please advise!
Consumer complaint received 2021-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I sent a 3 requests to Equifax, XXXX and XXXX  on XX/XX/2020, XX/XX/2020, and XX/XX/2020 to investigate the negative accounts on my credit report and they have yet to respond. This is a major violation of my rights. This is not right. They are not responding or honoring my request. I decided to send certified and still, no response. I have proof that they received my letter and did not complete the investigation in the time given by the FCRA. I shouldn't have to continue to have a negative mark on my record because they couldn't verify any of my accounts. Not responding was only giving creditors over 8 months. This is ridiculous!
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/2018 I got an alert on my credit report saying I had collection accounts effecting my credit score. There were 3 accounts with a total of about 65k. So I did some investigating and found the company XXXX XXXX as the collection company. They listed the original lender as XXXX XXXX ( which does not do student loan lending ) but my credit report has XXXX XXXX XXXX as the original creditor. So I disputed this info on all 3 reporting agency reports. XXXX, XXXX and TransUnion all returned saying the accts were accurate. So after hearing this I reached out to XXXX and requested the original loan docs for my 3 accts that they were reporting for me. As of today XX/XX/XXXX they have failed to provide any type of proper documentation to show proof that the acts were mine. No loan docs, no promissory note, or any type of paperwork showing my signature or date. I also tried to contact XXXX XXXX XXXX but they aren't a real company, and XXXXXXXX XXXX does not do student loans. I explained this to XXXX, XXXX and TransUnion but they would not remove the collections from my report. How are these companies able to reflect false information on my credit report while the " reporting agencies '' willingly accept the info without proper documentation? If proper documentation is not available to show proof that I own these accts then they should not be on my credit report.
Consumer complaint received 2019-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC (FL)

There is a negative and false report of debt in my name and on my credit. Fidelity Creditor Service is claiming that I owe XXXX XXXX XXXX ( which is referred to as XXXX XXXX XXXX XXXX in court documents ). This is in regards to an apartment that was infested with toxic mold. A judge at XXXX XXXX Courthouse ruled in my favor On XX/XX/2019. Please see attached documents. 
A month later, I received a letter from Fidelity Creditor Service that I owe XXXX XXXX XXXX and to contact them if the debt wasn't accurate which I did in a signed letter on XX/XX/2019. I recieved no other notification from Fidelity Creditor Service regarding this. No follow up. It wasn't until I checked my updated credit score in XXXX that I saw they inaccurately left the debt on my record. I called the company on XX/XX/XXXX to ask for it to be removed. At first they said it couldn't be removed due to a law ( when I asked what law, he couldn't tell me ) and then they indicated there was a possibility it could. I felt as though they were playing games with me. 
I sent them a package via certified mail with all of the court documents and evidence. I am following up with this report. I notified them in the phone conversation that I would be making this report. 

This false and negative report of debt on my credit has caused my credit score to be substantially lowered.
Consumer complaint received 2019-09-03
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 (OH)

For the first time I disputed a charge on my credit card due to non-delivery of an item I purchased. 

Basically, Capital One ignores information already provided in previous responses and/or requests information that is meaningless to the original complaint. I have copies of everything to share. I prepared in a PDF and redacted what I believe is all the personal identifiers. 

Clearly, NO ONE is actually reading the material I provide. Some of the information I used to dispute the charge ACTUALLY came from Capital One itself. To counter the claim, the Seller provided a copy of proof of delivery. The proof of delivery included 2 items ( 1 ) a mobile phone holder -- which I did not order and ( 2 ) reference to the item I did order. According to the customs declaration the 2 items weighed .06 kilograms or 2.166 ounces based on my conversion chart and were valued at {$5.00} The item I ordered? A gasoline powered car washer that weighs over 40 lbs. Anyway, Capital One blindly forwarded the proof of deliver slip without realizing discrepancy. I wrote back and carefully outlined all the discrepancies in the Seller 's response and still Capital One want more information - much of which was in the first reply. 

My theory is the Seller ( XXXX based ) added the item I purchased to a tracking slip for an item I didn't and gave that to Capital One. Once again, I have copies of EVERYTHING. This is a scam and Capital One is inadvertently an accomplice by not relying on the information provided. 

To make matters worse they want me to solicit another Seller of the same product to find out how they would have handled this matter. I AM NOT JOKING. What does that have to do with how this Seller handled ti. 

Clearly, Capital One is not reading the correspondence they are receiving. They ask the same questions already answered ; or XXXX questions like did I return the item when the complaint is about an item never delivered ; or want 3rd party opinions ( which I am suppose to gather for them ) on how they would have expected such a complaint to be handled.
Consumer complaint received 2019-08-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MD)

I contacted a gentleman about buying his concert tickets to the XXXX and XXXX XXXX XXXX concert at XXXX XXXX XXXX in XXXX, Maryland. We agreed upon {$20.00} for the tickets and using Paypal as our transfer method. When I sent the confirmation to the gentleman ( XXXX XXXX XXXX ), he blocked me and I did not receive my concert tickets.
Consumer complaint received 2018-03-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Professional Recovery Management (TN)

Called XXXX XXXX to settle the debt of {$380.00} ( toward deductible ) from  XX/XX/XXXX, but they wont talk to us because the lady said she gave it to XXXX XXXX. Served a Civil Warrant to go to court in 6 days even though the notice was dated back for XX/XX/XXXX. Husband called court house to push court date to XXXX. XXXXXXXX XXXX lawyer wants to charge us $ 700+ ( Attorney fee, court fee, processor fee ) which includes court costs that didnt happen. 
They said we have to pay the full amount before the court if we want them to drop the judgement. 

They said if I dont pay they will file a judgement against me. Can they get away with doubling our debt? I am the only one working and supporting a family.
Consumer complaint received 2019-08-22
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. (CA)

I am a victim of identity theft. I tried to solve this matter with the company in the past. Back on XX/XX/XXXX, TransUnion received a notice from me delivered via certified mail in which I informed that a fraudulent account and fraudulent charges were included on my report without my consent or authorization. As of today they have failed to remove this fraudulent account from my credit report. This is a violation under the FCRA. 

Please help me to solve this issue, since they are committing a violation of the Fair Debt Collection Practices Act and Defamation of character. 

Account is the following : XXXX XXXX # XXXX. Date Opened XXXX.
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OR)

After XXXX breach, XXXX gave me a XXXX account with a website address that is " not found '' and contact phone numbers which are not reachable. I continue to receive " alerts '' as to changes ( probably credit applications ) on my credit report which I can not view in order to do anything about. Further, my DOB is wrong and when I recently applied for credit, was told that my identity can not be confirmed. I have repeatedly tried by written and phone communications to get the incorrect information off of my report by all 3 credit reporting bureaus ( XXXX, XXXX and Experian ) but never receive a reply or can receive proper and helpful assistance from customer service representatives by phone, etc. I have opted out of receiving credit offers by mail and my opt out has also not been respected which means I continue receiving these offers to my home address via unsolicited US Post Office mail.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX {$680.00} and list of Inquiries. 


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 consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting 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 antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-03-31
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MD)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2019-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX, I filed a dispute with Equifax due to there being two fradulant credit cards issued, and charged off to collections in XXXX. EQuifax accepted the initial dispute and advised that it could take up to 30 days for the dispute to be completed. On XX/XX/XXXX, I received an email from Equifax advising that the dispute had been completed and I could log in to their site to review the dispute. However, when I logged in to the Equifax site to review the dispute status there is a link for viewing the status. When I click on the link I receive a message advising that " We are sorry, your results PDF is unavailable to view at the moment. '' and displays a toll free number to call. I have called this number three times since XXXX in efforts to receive this but keep going in circles as they state that they can not email or fax the resolution and can only mail the resolution, which they have tried three times but have not been successful. 
What are my rights as a consumer for correcting this issue? 
There is also a severe language barrier as all I speak is english and the persons answering the phone have a deep XXXX accent.
Consumer complaint received 2022-11-19
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. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-09-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (WV)

I have been charged a Debt Protection fee from best buy and citibank. I never agreed or was told about this protection. I have protection through my work so I would never need additional protection. I have never been contacted by Citibank or Best Buy to receive refund. I can only see my statements from Best Buy from present to XX/XX/2017. I can't go beyond that to see how far the irroneus fees go. The fees range from XXXX to XXXX. The phone number associated with this fee is XXXX. It has been 4 years since Citibank was directed to repay customers and I haven't heard a thing.
Consumer complaint received 2019-09-03
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: Onity Group Inc. (NJ)

Hello im complaining to the public record who illegally entered and shared information without my permission to the credit bureaus. XXXX XXXX and XXXX have a partnership. I request to have this attested. My personal information should not be shared. I request it be removed from my report.