davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-27
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: PNC Bank N.A. (MD)

Disputed PNC account that is showing on my credit report as a XXXX off with the original creditor ( PNC ) as well as all 3 bureaus ( XXXX, XXXX and XXXX ) both through mail and online- several times. All disputes came back verified which is inaccurate. 

The account that is reflecting as a charge off is a result of a {$300.00} fully secured credit card that I obtained through PNC. The charged off delinquency is for {$240.00}. From my understanding and knowledge of a secured financial product and the excerpt taken from the Terms and Agreements for Secured Credit Cards from PNC website it states " if I ask you to reduce the credit limit on my Account, or if you or I close my Account, you may use my Security Deposit to reduce my existing obligations to the new lower credit limit, or to zero in the event of closure. If you apply my Security Deposit against my obligations, you may allocate my Security Deposit among my obligations as you in your sole discretion deem advisable '' - this fully secured account should have never been charged off, instead the {$300.00} used to secure the {$300.00} credit limit should have been applied to the balance and the account as a result should have been closed out - not charged off. 

I have been going back and forth forth with both the CRA 's and original creditor PNC, sending letters explaining why I don't owe this and requesting validation of the debt, like a copy of the bill or contract for the debt they're reporting. I received nothing. However, this inaccuracy has not been addressed and continue to report as a delinquency on my credit report. This is unfair and a violation of not only their data furnisher responsibility but the Fair Debt Collection Practices Act. 

I sincerely hope the CFPB can help me get to the bottom of this as my next recourse is litigation.
Consumer complaint received 2023-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (IN)

My IRS refund was sent to a wrong Chase account by a software error on XXXX XXXX. This Chase account is 17 digits long, and I have been told by Chase customer service representatives and by my local bank manager that this account is not owned by anyone. The refund of XXXX XXXX XXXX  dollars was sent and deposited into this account on XX/XX/XXXX. On XX/XX/XXXX I called the IRS to find my refund and discovered it was sent to the wrong Chase account and that it was deposited and accepted on XX/XX/XXXX. on XX/XX/XXXX I spoke with five different customer service representatives attempting to resolve this but did not make any progress. The following day I went to my local branch and spoke with a bank manager who field a claim for the deposit to be sent to my real account. On XX/XX/XXXX I received a letter fromChase denying my claim. I again went to my local branch on XX/XX/XXXX and spoke with the bank manager again to resolve this, which they now said it has to be corrected by XXXX. Chase, the IRS, and XXXX have all repeatedly said that they can not fix this issue and to contact the other parties involved. I have been on the phone with all the three institutions for the last two weeks attempting to fix this without any success. The IRS has repeatedly stated that the only way to receive my refund is to have Chase bank return the deposit to the IRS, or have Chase do an ACH transfer to my actual Chase account. Chase has refused to do this, and has given up trying to help me resolve this.
Consumer complaint received 2018-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have send several letters out to XXXX about hard inquiries I have 43 hard inquiries on my credit report I have disputed them but have not heard anything from Transunion, XXXX, XXXX I have 18 hard inquiries on Transunion 43 on XXXX  and 16 on XXXX it has been over five months and I have not heard for any one
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (GA)

Naviant has put an extra {$30000.00} on my loan saying thay I owe a total of XXXX. Since they took over my account all they would do is put a forberance on not fully telling me they 'll be charging all these fees. I only have a two year degree from XXXX college. Navient and XXXX XXXX are robbing students who attended for profit schools.
Consumer complaint received 2023-03-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (WI)

On XX/XX/XXXX, I was contacted by Chase Credit card services to set up a settlement. I offered the amount I could afford to pay them, and they accepted this monthly payment with a reduced balance. They are now saying there was never a settlement, and they are now saying I owe the balance in full. 

I requested the call recording with their agent be reviewed, and it denied my claim. however in order to listen to the call, I would need to subpeona their call records through a lawyer. I am unable to afford a lawyer, and I feel this bait and swith process should not be allowed.
Consumer complaint received 2023-03-20
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: ProCollect, Inc. (VA)

I obtained the debt of an apartment as a result of XXXX. On XXXX it gave the option to dispute any debt that was a result from COVID-19 Pandemic natural disaster. When I disputed the collection with Procollect, they stated that the collection agency stated that the debt was not a result of the pandemic. Which is a lie. Also I reached out to Procollect and asked them to provide me with the details of the debt. XXXX XXXX collection manager who's phone number is XXXX failed to provide me with validation of the balance. I believe the balance they are reporting is incorrect as well.
Consumer complaint received 2020-11-09
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Google Compare Credit Cards Inc. (PA)

I placed an order with the XXXX XXXX using their store financing with XXXX XX/XX/XXXX. The account was approved and opened. The order I placed with the XXXX XXXX  has been indefinitely delayed and I have been unable to get an update on when it will be filled. It was due to arrive 2 weeks ago. They will not allow me to cancel. 

Offering financing, with a hard inquiry on my credit report, and then not filling the order was harmful to my credit. I now have an additional line open for which I have no use.
Consumer complaint received 2020-11-09
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MN)

On XX/XX/2020 I was contacted by Rocket Mortgage to get my mortgage refinance started, he told me I should close in about 1 month. I submitted all of the paperwork they wanted via their mobile app. I submitted a poor review of their company on the XX/XX/XXXXwebsite and was contacted again by Rocket Mortgage. I was told that I would now close on XX/XX/XXXX. Last week they contacted me again, saying that they were not able to get in touch with my home owners insurance company for a couple of days, which my insurance company is XXXX. Today is XX/XX/XXXX and I have still not closed, I started this process almost 1/3 of a year ago and my patience is gone with this company ...
Consumer complaint received 2023-04-10
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. (SC)

On ( XX/XX/XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-11-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am having problems with Capital One Bank not reporting payments to credit bureau. I have been using my Capital One Credit Card each month and I also make all of my payments on time. My account is listed as being dormant with no activity reported. Because my account is reported as a dormant account its now a high risk level account which caused my credit score to be significantly decreased. I called Capital One and the Credit Bureaus and I havent been able to get any help. I will like this inaccurate information to be removed from my credit file ASPA and my credit report be updated.
Consumer complaint received 2019-04-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

First I want to say thank you for reading my complaint. 

I have a complaint with Midland Credit Management Company. I sent MCM / Midland Funding an Affidavit requesting Documents that would establish ownership of Debt and to Validation of the debt. I will attach the Affidavit I send and the response MCM sent back. Doing my research on these debt collection company ( Debt Buyers ) They are continuing to violate and abuse their ability to collect on these Debt without validating or even owning the debt.

I found the CFPB filing against this same Collection company in XX/XX/XXXX File number XXXX and won a case that was supposed to chance their Practice. These collection company like Encore Capital Group , Inc, Midland Funding, LLC Midland Credit Management , INC. Not validating dispute and sending out generic letters saying you own this debt and we will not remove it from your credit report until it is paid to a {$0.00} balance. Placing Items on credit reports without having documentation that prove they are the owner of the debt or can even validate the debt.

I sent MCM a affidavit to establish the debt these are generic letter they send out to multiple people and I have proof. I have a friend that received the same letter. She is going to file an complaint also. This is not a verifiable debt. They know it, that is why MCM sent me this letter. Stall tactic, The same name on every letter. But I will not stop until they delete this off of my credit Report or verify they are owner of this debt and verify this is my Debt.

Thank you please make them abide by the provision from the case XXXX XX/XX/XXXX.
Consumer complaint received 2020-11-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

I had a XXXX XXXX credit card that went to collections and it was purchased by Midland Funding LLC. Since the very first communication with this company they threat me with a lawsuit, they told me I should start making payments on the account to prevent a legal action from them, I decided to make a payments as the representative advised. The representative was truly clear when he said installment payments will prevent a lawsuit, I made monthly payments for four years but this debt buyer made the decision to place my account with a law office XXXX XXXX XXXX XXXX XXXX who filled a lawsuit against me, but as I sad the debt buyer promised I wont get suit as long I make monthly payments. I made all monthly payments on time, sometimes I failed but I catch up as soon as I can. I been dealing with a financial hardship for a long time and even with this hardship I made monthly payments to Midland Funding LLC. I attempt deal with the XXXX XXXX XXXX XXXX XXXX XXXX and even asked for a professional help but looks they will not work with a representative of mine ; this leave me alone and in a disadvantage from them. 
My financial hardship began with the separation from my ex-husband and subsequent divorce proceeding and child custody battle that followed. I spent a fortune for the attorney fees during that legal battle to ensure, I retained custody of my children and as their father struggled with serious addiction issues that jeopardized the children safety. It was the toughest battle of my life. After 18 months of legal proceedings and tens of thousands of dollars later, I regained full custody of my children and then COVID-19 pandemic happened. All this left me in a very difficult financial position as now the kids are home all day, and attending school all day, and it leaves me unable to maintain a full time employment since I just cant leave the kids alone by themselves and due to the pandemic concern they are still on lockdown in our country. To make everything worst, my kids are part of what is known as XXXX high risk group so is especially important to reduce the risk of getting this infection from their own healthy. This situation has left me with a whole lot of expenses and extremely limited income. 
As I explained, due to a financial hardship I can not afford to pay the balance on the account. Midland Credit Management has developed a Consumer Bill of Rights, since I am victim of a natural disaster ( COVID-19 pandemic ), I am requesting Midland Credit Management to apply the article II of the bill mentioned above suspending permanently collection activities and vacate the judgment.
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. (TX)

To : Consumer Financial Protection Bureau, Equifax is continuously incompliances of the Federal Law, and keep violating my rights as consumer of this Federal Corporation. As the Credit Reporting Boss please I request you to stop them with their misinterpretation of my consumer report. Thank you
Consumer complaint received 2020-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Capital one - XXXX - is reporting a late payment for XX/XX/2020. I have never been late on this account & I have had it for many years. I made my payment on time on the app and I thought it went through. Then I noticed later that it didn't so I hurry and made it again on the App and I called you guys and advised you that I had made it previously and there was an issue with the online app. They assured me that it was still on time and it was ok and that I wouldn't have a late because they could see I made it on time. 
This was not my error this was your system. Please remove this late as I really did make my payment on time.
Consumer complaint received 2020-02-16
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3500.00}, {$3200.00}, {$1500.00}, {$14000.00}, {$4900.00}, {$3000.00}, {$1500.00}, {$1300.00}, {$9600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ). 


-- OPEN ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3500.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3200.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$14000.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4900.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 


-- CLOSED ACCOUNT -- 8. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1300.00} -This is not my account. 


-- AUTO ACCOUNT 9. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account.
Consumer complaint received 2020-11-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MO)

On XX/XX/2020 2 payments were taken out of our checking acct. I only authorized 1 pymt. By phone since we hadn't received our mortgage statement for that month. I had to call the bank and pay XXXX to have payment stopped on one of the payments. Now they say it was a bad check ( which it was not ) and are charging me XXXX fee for it!!! My husband and I live on. Social security and raising XXXX grandchildren.We have had so much trouble with this mortgage company for the last 3 month. I called them today XX/XX/2020 and told them I wasn't paying the XXXX fee since I had to pay my bank XXXX to stop payment on one payment already. They told me I still had to pay the XXXX fee. I am outraged!!! Please help us. Money is really tight!!
Consumer complaint received 2020-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc (TX)

Woke up on XXXX Of XXXX to my phone beeping and it was Chime Bank with emails saying my account closed n been Hackedwhen SSI was deposited on XXXX XX/XX/2020, I immediately called customer service and we went through 3 Straight Weeks of calling day and night, 4 to 6 hours with different Technicians Giving Technicians Access Of My Phone Through Quick Support and Team View remote Apps, then was asked to purchase a Gift Card To Receive My Own Money, I Got Tried and Refused Access to my phone for my refund {$380.00}, that was in the account balance before closing, now I can't get help to get my account balance Refund
Consumer complaint received 2018-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (MA)

I have a hard inquiry on my account from XXXX. I never used XXXX and never agreed to checking my credit from XXXX on XX/XX/2016.
Consumer complaint received 2023-04-10
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. (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

Equifax wouldnt allow me to get my free credit report yet they report this information to XXXX XXXX The information listed on my report is unknown. Its stopping me from having a place to live. XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX XXXX, XXXX, OH XXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX, XXXX, OHXXXX XXXX, XXXX, OHXXXX 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 ACCOUNT XXXX ACCOUNT XXXX ACCOUNT XXXX XXXX ARE IN VIOLATION OF MY HIPPA RIGHTS UNKNOWN INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-16
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. (MN)

Attached to this complaint is a Federal Trade Commission ( FTC ) Identity Theft Report in regards to the following fraudulent accounts thats currently showing on my XXXX XXXX, Equifax and XXXX credit report : XXXX XXXX XXXX, {$8500.00} and XXXX   XXXX XXXX, the 2 accounts are fraudulent, unauthorized and not my accounts and want the fraudulent accounts immediately deleted from my XXXX XXXX, Equifax and XXXX credit report.