davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-04
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I made the final payment on my mobile home in XXXX 2015, but the loan company, Ditech, claims I still owe {$13000.00}. They say my account is seriously past due and if I do n't send the money, I may be facing legal action.
Consumer complaint received 2015-06-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (VT)

Bogus charges from XXXX appeared on our AMEX card. XXXX month was for + {$600.00} ; XXXX month was for + {$3500.00}. We do not know who they are, nor were we ever contacted by them by phone or e-mail. We always use a virtual keyboard when ever we enter sensitive data. We did not pay any of these charges and feel that this is fraud.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

According to FCRA XXXX, it seems necessary to eliminate any erroneous accounts from my credit report. Would you mind verifying the documents? The presence of inaccuracies among the listed accounts is unsettling for me.
Consumer complaint received 2022-12-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (GA)

My soon to ex-wife, XXXX XXXX XXXX and I purchased a vehicle through Exeter Finance in XXXX. Exeter assisted us in the beginning with 8 extensions when I started becoming ill and ran into hardships, however, over a period of time, I became more XXXX from XXXX XXXX XXXX XXXX XXXX XXXX. I have tried to inform Exeter Finance of all of this over 3-4 months and I received no support, no respect, or no assistance. I am currently XXXX  due to my XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX. I have been suffering from XXXX  & XXXXXXXX XXXX with XXXX  of my XXXX XXXX. I only receive my XXXX compensation and I am in a financial hardship, I have even tried voluntarily surrending the vehicle back to them, however, Exeter claims that XXXX XXXX who wasnt making any payments to the vehicle told them to keep it. I still try to keep them up to date on my status with if I am able to pay something or not and inquire if they have obtained the vehicle from XXXX XXXX in Virginia, in XXXX XXXX XXXX XXXX XXXX, and they still have not picked the vehicle up to this day. They always inquire where the vehicle is like I havent informed them where they can pick the vehicle up at. Exeter Finance even informed me not be near the vehicle because of their policy when they repossess the vehicle, however, they still have not picked the vehicle up. Exeter Finance will not update their records to reflect, I am a XXXX XXXX  XXXX  who does not work. They intentionally have listed as being employed making the same amount of money I use too to justify that I have the means to make a payment.
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (KS)

I have contacted Chase about my XXXX XXXX XXXX starting once per month since XX/XX/2021. The most recent date of contact was the first week in XXXX. 

I paid for a XXXX vacation using my XXXX XXXX XXXX in XXXX XXXX. I have purchased at least 9 trips to XXXX using this method in the past because the promotion is to receive the first six months of the purchase at 0 % interest. 

When we got to the XXXX resort in XXXX of 2021, there was an issue with the booking and they had to rebook part of the trip at a different resort. This caused the original transaction to be partially refunded and then charged again in a subsequent transaction. I called Chase and was told that because it was a " resort '' vacation package purchase, that it would be fine and that it would all be at the 0 % interest for 6-months. 

That was a lie. 

In XXXX I was charged {$69.00} In XXXX I was charged {$57.00} In XXXX I was charged {$36.00} In XXXX I was charged {$16.00} And when I called this last time in XXXX, I was told by the Chase rep that this would all be credited back BEFORE the billing cycle in XXXX which was the XXXX. 

THAT DID NOT HAPPEN. 

I've had it. I've been a card holder for years and have NEVER had this experience. I also am a lender at a credit union and I know how terms and conditions work, as well as how long it should take to resolve a billing error. 

This is unacceptable. I want all the interest back IN ADDITION to the interest I'm sure you will put on my XXXX statement that I just have not seen yet.
Consumer complaint received 2021-02-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (PA)

On XX/XX/2020, during the stay in place shelter Covid-19 pandemic. I began to receive mutiple threatening phone calls from IQ Data International , IncXXXX XXXX XXXX Washington . I send a certified letter disputing the debt, I called IQ Data on the phone disputing the debt, ALL THE EMPLOYEES told me I'm a liar, I need to pay my bills! I owe the debt & IQ data wants thier money!! I send emails with documents proving I don't owe the debt. IQ data has REFUSES to remove my debt out of collections. IQ Data International RUINED my FICO score, my FICO score was decreased by 100 points. IQ Data International is a SCAM collections agency. I contacted XXXX & XXXX to dispute the FRAUDULENT collections debt. It's illegal to collect a FRAUD BILL! I do not owe money, I will not be harrassed or threatened by IQ data to pay a debt, I do not OWE {$660.00}
Consumer complaint received 2022-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/2022 I made a withdrawal in XXXX Wells Fargo store with the amount {$4100.00} from my checking and {$10000.00} from my saving accounts. The next day, XX/XX/2022 I made another withdrawal of {$7000.00} from my checking account. 
On the same day, XX/XX/XXXX, I received a text message from number XXXX stated : Wells Fargo-Bank : According to Our Anti Fraud Your Debit/ ATM Card is Under Review, To verify Your Identity Follow XXXX XXXX XXXXXXXX. 
I thought because of my large amount of withdrawal, Wells Fargo put my card under review. I clicked on the link and provided all the information without thinking. I provided the picture of my Debit Card, typed in my ATM PIN, provided my Social Security number and the picture of my Driver License. 
On XX/XX/2022 I noticed all the strange transactions on my debit card was spent at XXXX, the total of {$5800.00} including {$1000.00} at ATM machine. 
I reported to Wells Fargo on the same day XX/XX/2022 about the unauthorized transactions. I also reported to XXXX Police Department and filed an Identity Theft Report on FTC site. 
On XX/XX/2022 Wells Fargo called and left me a voicemail saying that my claim was denied, and all the transactions were made by me or someone who had my permission. 
I disagreed on the decision they made. I called Wells Fargo on the same day XX/XX/XXXX, to explain what happened and how my Debit card got hacked. They suggested me to send a police report to support my claim and write an email to cardclaim@wellsfargo.com to ask to reopen the claim. I contacted XXXX Police Department to provide me the report. Unfortunately, they couldnt release the report since the case is still in active. 
On XX/XX/XXXX, i sent an email to Wells Fargo explained the situation with attachments of the scam text that I received on XX/XX/XXXX, my Identity Theft Report and the email from XXXX Police Department saying that they couldnt release the report. 
On XX/XX/XXXX, I received an email from Wells Fargo ECMO saying that they have started their research on my claim with new claim number. 
On XX/XX/XXXX, Wells Fargo responded to me that they denied my claim again. They concluded that their systems show my debit card and PIN were used as identification and they determined the transactions were authorized by me or by someone authorized to use my debit card and PIN. 
Under penalty of perjury, I declare above information is true and correct to the best of my knowledge.
Consumer complaint received 2022-05-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Grant Mercantile Agency (CA)

The collection account has been sent 2 times to the credit reporting agencies on purpose after I sent a letter to GRANT MERCANTILE AGENCY for them to stop harassing me. Additionally, HIPAA and State of California Medical Privacy Statutes further protect my protected health information, GRANT MERCANTILE AGENCY is in violation. Ive asked GRANT MERCANTILE AGENCY to close and remove this account, instead, they opened another false account and are practicing extortion techniques. 

GRANT MERCANTILE AGENCY has opened first account XX/XX/XXXX in an amount of {$3700.00}. Now GRANT MERCANTILE AGENCY has created a bogus account on XX/XX/XXXX in an amount {$3700.00}. Now the total debt looks like I have {$7400.00}. GRANT MERCANTILE AGENCY is a SCAMMER. 

On XX/XX/XXXX Ive requested the following from GRANT MERCANTILE AGENCY : 1. I am asserting my rights under the Financial Services Modernization Act and the Fair Credit Reporting Act to " opt out '' of the following two uses of my personal information : a. You do not have permission to disclose personally identifiable information with your non-affiliated third-party companies, partners or individuals. b. You do not have permission to disclose my creditworthiness to any affiliate. 
2. I am further instructing you : a. Do not disclose any of my transaction and experience information to any affiliate of yours.

b. Do not disclose any information about me in connection with marketing agreements between you and any other company. 

GRANT MERCANTILE AGENCY still continues collection attempts but is doing so through extortion by sending the same debt to credit reporting agencies so it appears I owe thousands more than the original amount, GRANT MERCANTILE AGENCY is sending bogus duplicate information in order to continue their extortion practices and explicitly violated the Fair Debt Collection Practices Act, the Fair Credit Reporting Act along with HIPAA and several other state and local regulations.

I ask your help to investigate GRANT MERCANTILE AGENCY. This business is malicious and does not comply with the California law. 

Thank you
Consumer complaint received 2019-10-15
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. (OR)

I have a checking account and a savings account with XXXX XXXX XXXX I do not have -- and never have had -- any credit accounts with XXXX XXXX and do not now owe them money or have ever owed them money. 

Nonetheless, illegally and without the permissible purpose as required by federal law, XXXX XXXX continues to access my Equifax credit reports placing an " Account Review '' inquiry. The latest account review inquiry was placed by XXXX XXXX on XX/XX/2019. They have also done this two times previously. Again, XXXX XXXX has absolutely no permissible purpose whatsoever and Equifax also negligently gives XXXX XXXX completely unauthorized access to my credit reports. 

I have phoned XXXX XXXX on several occasions and spoken with representatives in several departments including the Recovery Department and also the Credit Bureau Department and nobody can find any information on these events. They suggest I speak with Equifax. 

Today I spoke with Equifax. They said there is nothing they can or will do. The problem, they claim, can only be solved by XXXX XXXX. 

Since account review inquiries are what are known as " soft '' inquiries and are not visible to others, I don't care about having it removed or not. I want to know ( 1 ) precisely who has accessed my credit reports, ( 2 ) why they accessed my credit reports and ( 3 ) why  Equifax was negligent in allowing this to happen. If no satisfactory results are given, I may use the courts to seek statutory damages per the FCRA.
Consumer complaint received 2022-05-19
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account XXXX and XXXX XXXX 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 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC (FL)

On XX/XX/2022, my bank mailed a payment to my mortgage company for the XX/XX/2022 payment. The company received the check on XX/XX/2022 and has not applied the payment. They are now charging me a late fee. 

On XX/XX/2022 a payment was sent for the XX/XX/2022 payment. The company received the payment on XX/XX/2022 and waited until XX/XX/2022, nearly three weeks later to apply the payment. 

This company continues to do deceptive things to trick homeowners into additional fee. I have called and asked to speak with a supervisor and no one calls you back.
Consumer complaint received 2022-05-19
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 (SC)

I am an account holder with Chime, and I reside in South Carolina. On XX/XX/2022, I found a charge of {$220.00} on my checking account. I did not recognize this transaction at all. At the time, I was at my job, and knowing this had to be a fraudulent charge, I went and purchased a soda so that when my account would be investigated later, they would see purchases throughout the day coming from SC, which would make the fraudulent transaction appear abnormal to them. 

I contacted Chime, and they found the transaction was made at XXXX XXXX XXXX # XXXX at XXXX XXXX XXXX. XXXX, KY XXXX. I was instructed to wait until the transaction was officially posted, so that I could file for a dispute. On XX/XX/XXXX, I called Chime customer support to file the dispute. I provided the information that was asked of me, and was told they would investigate my claim. That same night, I received an email that they concluded there were no fraudulent charges, and that I would not be receiving a refund. 

On XX/XX/XXXX, I emailed Chime customer support, with a detailed description of the events, including images showing dates, time, and purchases, that would seemingly prove I was not the one that made the {$220.00} charge to my account on XX/XX/XXXX. On XX/XX/XXXX, I received a response that I had provided no new evidence to support my desire to reopen my case. They offered to send me the documentation of their investigation, which I accepted. 

On XX/XX/XXXX, I received their documentation. They did not reach out to the merchant at all during their investigation, which appeared odd to me. Their evidence reads as follows : no account takeover hallmark, disputed transaction is card present transaction process without any fall back errors or suspicious decline codes associated with the disputed transaction, balance exhausted but not over to the XXXX XXXX which suggest that cardholder is aware of the XXXX XXXX, there is a frozen and unfrozen of the card ending within the disputed transaction, no fraud alert, cardholder has funding event prior the disputed transaction through card to card. I did not feel that this was enough evidence to support their decision, especially as several pieces of my evidence directly contradicted their evidence. 

On XX/XX/XXXX, I reached out to Chime support to raise my concerns over the validity of their investigation. I received a generic response claiming they would open the investigation if there was new evidence. On XX/XX/XXXX, I made one final attempt to contact Chime support. I requested that my email reach someone with the authority to help me with my case. I made myself clear that if I did not get a response from someone willing to help me, that I would file complaints to the CFPB, as well as any other applicable institution. I received another generic response.
Consumer complaint received 2022-04-09
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. (MI)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX bankruptcy discharged Account # XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-03-11
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. (NY)

Delete these accounts : fair resolution 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. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (CA)

Had a mortgage with USBank, they recommended opening a checking and savings account too. While opening these accounts, the branch staff in XXXX XXXX, CA branch specifically promised me that there would not be monthly maintenance fees. 
During summer of XXXX, I refinanced my mortgage loan. 

I rarely used but maintained about {$3800.00} in checking and about {$25.00} in savings. 
Then USBank silently started charging {$24.00} per month on my checking. 

I realized just last week that {$200.00} have been taken out of my account and on top of it they had made the account dormant too. 

So in summary for a dormant checking account, USBank was doing a daylight robbery of {$25.00} per month citing maintenance! 

I tried to reason with local branch manager and their telephone support, after much persuasion, they reversed just the last 3 months.. thereby keeping the loot of 5 months. i.e. {$120.00} still remains with USBank. 

Requesting CFPB to kindly work with USBank and recover my money back. With pandemic, I am barely recovering lost finances. Any help from CFPB is much appreciated. 

Thanks and Regards XXXX XXXX, XXXX ( cell ) XXXX XXXX
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I recently check my credit report and was surprised by multiple account and information that doesn't belong to me. I never applied to these companies or gave them my information. I don't know how this fraudulent information got on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT EMPLOYER XXXX XXXX XXXX XXXX XXXX INQUIRES- 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : Organization : XXXX XXXX ) XXXX
Consumer complaint received 2022-05-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My wife and I went to XXXX XXXX to see about trading in our XXXX XXXX so they ran out credit way to many times even though they said they only ran it once
Consumer complaint received 2022-05-19
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. (CA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022 but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The accounts listed below are still reporting on my Credit Reports and need to delete immediately : Original Creditor : ) XXXXXXXX XXXX  XXXX XXXX XXXXXXXX
Consumer complaint received 2021-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: SYNCHRONY FINANCIAL (NC)

I TALKED TO AN AGENT OF THE COMPANY EXPLAINING TO THEM THAT ARE TWO DIFFERENT ACCOUNTS FOR THE SAME ONE ACCOUNT. THEY TOLD ME THAT THEY COULDN'T CHANGE THE STATUS OF THE ACCOUNT. THEY ARE WANTING ME TO PAY FOR BOTH OF THEM. THIS IS VERY WRONG AND IT AFFECTS MY CREDIT SCORE TREMENDOUSLY.
Consumer complaint received 2021-10-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

A man called me saying I was being rewarded {$1000.00} from fafsa. He sent me the money but needed my chase info. I XXXX gave it to him. He transferred 3 different amounts of checks. And said he made a mistake. He calls back and says I need to send the money back or XXXX get in trouble. I sent {$1000.00} to XXXX XXXX he said his name was. I did but it is pending for review. He then said to send another amount to a different name. I felt uncomfortable and it felt too suspicious. So I blocked him right away. Hes been calling nonstop and I keep blocking the numbers hes calling from.