davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

Commencing on or about XX/XX/2021, I fell victim to two multi-layered scam operations run by by XXXX XXXX which involved me making deposits for a total amount of {$340000.00} USD from my Chase Bank account to fraudulent investment firm ( XXXX ). 

Date wired Amount Transaction XX/XX/2021 {$80000.00} Domestic Wire to XXXX XXXX XXXX XX/XX/2021 {$100000.00} International Wire to XXXX XXXX XXXX XX/XX/2021 {$75000.00} International Wire to XXXX XXXX XXXX XX/XX/2021 {$50000.00} International Wire to XXXX XXXX XXXX XX/XX/2021 {$30000.00} International Wire to XXXX XXXX  XXXX XXXX XX/XX/2021 {$10000.00} International Wire XXXX XXXX XXXX XXXX  Limited
Consumer complaint received 2021-11-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (NY)

Today I am writing in regards to a massive issue which is occurring on my credit report. When the pandemic began I reached out to loan care to be entered into the forbearance program. The process seemed to go well, at that time I was never notified of any payment due at that time or any impact of not making a payment may have. Fast forward about a year I notice on my report a year worth of late payments reported. As soon as I noticed that I made the payment. 

I have a stellar payment history and making payments on time is super important to me. I am very disappointed by the deception upon entering the forbearance and the lack of information.
Consumer complaint received 2020-06-04
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. (AR)

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 
XXXX {$32.00} XXXX {$420.00} XXXX {$57.00} XXXX {$180.00} XXXX {$1100.00} XXXX {$850.00} XXXX {$850.00} XXXX {$420.00} XXXX {$600.00} XXXX {$1400.00} USDEPTEDXXXX {$50.00} XXXX {$160000.00} XXXX {$160000.00} DEPTEDXXXX {$50.00} XXXX {$1800.00}
Consumer complaint received 2018-04-22
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: Fidelity National Information Services, Inc. (FNIS) (TX)

Chexsystem 's continues to deny my claims that i have identity theft even though i have filed a FTC Identity theft report which i will attach. ChexSystems is reporting that i have " Account Abuse '' with a XXXX XXXX. Which i have never banked with. This is a credit union, i have contacted numerous times and they refuse to work with me. They tried sending me a pay to delete letter but chexsystems still didn't remove it. I advised Chexsystems and XXXX i have experienced Identity theft. I want ChexSystems to actually review my claims instead of just denying my disputes saying if i don't file a police report they won't investigate. A FTC Report is essentially a police report, the local PD can review these reports. 

I want this information updated and removed from my ChexSystems report as it is causing personal harm to me. Per the FTC note to furnishers, false information and fraudulent information should be removed immediately per the FCRA requirements of identity theft. Please review the attached report. 

Remove the accounts for XXXX which i never opened and XXXX XXXX and XXXX XXXX XXXX.
Consumer complaint received 2018-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (NV)

I have been on a payment arrangement with Midland Credit to resolve a {$730.00} balance. We agreed that I would pay {$180.00} until the balance is paid. On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, my payment of {$180.00} was made. Midland did not charge me in XX/XX/XXXX, even though I was set up for automatic payments, and now they sent my account to collections for the full {$730.00} even though only {$180.00} is due on my account and my payments have been made. Midland wrongfully reported me to collections since I am on a payment arrangement and they failed to take payment for XX/XX/XXXX. I called Midland today, XX/XX/XXXX at XXXX PST and spoke to a woman named XXXX and she said she could not help me because the account representatives assigned to my account do not work on weekends. This needs to be resolved ASAP by removing my account from collections and removing this false collection account from my credit report. I have attached proof of payments for verification.
Consumer complaint received 2018-04-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

I'm asking the CFPB to obtain a copy of Wells Fargo 's mortgage contract between XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, and Wells Fargo Home Mortgages XXXX XXXX XXXX XXXX XXXX IA XXXX Their attorney sent XXXX XXXX a draft of a contract that did not meet Federal criteria. I sent this document to one of 13 Federal Handwriting Examiners, and this document failed. It was not XXXX XXXX signature. It was a signature retrieved from XXXX. It was a digital signature. It was a copied signature. It was not a blue or blue-black ink signature. Wells Fargo continues to state they have a signed contract. They do not. Their attorney is XXXX XXXX of XXXX Law Firm in XXXX XXXX, Iowa. You are being asked to get from Wells Fargo the legitimate signature stated they have. I've been trying for 10 years. This is the last request before court. 
XXXX XXXX Cell : ( XXXX ) XXXX Email : XXXX Mailing Address : XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX
Consumer complaint received 2017-08-03
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. (AL)

I 've disputed with XXXX on several occasions about this one account that was charged off by the creditor which means it was filed on taxes and no longer owned by anyone and should 've been removed. XXXX said that understood that but still have n't removed it and it 's been about 3 months since I began disputing that
Consumer complaint received 2018-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC (WA)

I was sent an email claiming I needed to " review and acknowledge disclosure of this receipt within the next 30 days '' for my federal Perkins loan. This email was from XXXX XXXX on the XXXX of XXXX, 2018. I had never gotten loans through this company before, so I was confused but made an account anyways. 

Their account creation was incredibly obnoxious ( three security questions were required for some reason ) and to log into my account I always needed to answer one of them, something I'd never had to do before on any website, loan or not. To add to the frustration the website logs you out after 10 minutes or so, regardless of whether or not you're active ( I was entering information at the time ) It's UI is so horrendously confusing to the point that it seems deliberate ; you have to " link an account '' to see any loans. " I don't have an account to link? That's why I created one? '' Are questions that immediately came to mind. I tried to use the code that came with the email to link whatever account existed, and I get the message " this code is currently in use. '' I try again, and then call their support ( this is all on the XXXX of XX/XX/ 2018 ) ; they tell me, unhelpfully, to try again later. I waited an hour and tried again, to no avail. Their support line was then closed, so I was stuck with no way to progress. 

XXXX XXXX gives you no other method to link an account. You need your school 's code, which they don't provide a search method for, and your account number, which they also give you no method of obtaining if you don't know what the account is. When first accessing the account, the code is the only method through which you can access the account. There is no quick way to resend the code, as with literally every other website that I have ever used.
Consumer complaint received 2020-01-31
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I was shocked when I reviewed my credit report and found a late payment for the following date : XX/XX/2019 I am not sure how this happened. I believed that I had made my payment to you when I received my statement. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Neuheisel Law Firm, P.C. (CA)

I received a letter from The Law Offices of XXXX XXXX XXXX XXXX originally dated XX/XX/XXXX stateing the firm is the Current Creditor and a Judgment has been entered against me for {$10.00}, XXXX I have already responded to this Old Credit Card Debt from the XXXX, a debt from which I do not owe. 
The Neuheisel Law Firm filed a Levy with the XXXX Sherifs Dept. on or around XX/XX/XXXX I worked with the XXXX  XXXX XXXX of the XXXX Sherifs Dept. to have the levyed funds returned and the Case of Levy dismissed. 
I never owed this debt, and will now seek Legal representation to defend myself against this debt collector and request the court for 30+ years of damages. 


HISTORY : This is an old debt of 30 years ago originally known as XXXX XXXX XXXX. The debt was not mine, however I have been fighting this for all of these years. 
XXXX XXXX XXXX XXXXXXXX collected the debt. from XXXX XXXX of XXXX was aquired by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX entered in to Chapter XXXX on XX/XX/XXXX. 
The Neuheisel Law Firm filed a Levy with the XXXX Sherifs Dept. on or around XX/XX/XXXX The XXXX Sherifs Dept. released the levy and returned the funds on or about XX/XX/XXXX There are currently hundreds of complaints filed to the CFPB in regards to ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX The Law Offices of XXXX XXXX XXXX XXXX The Neuheisel Law Firm.
Consumer complaint received 2024-02-15
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NJ)

On XX/XX/XXXX at around XXXX XXXX XXXX, I was accessing account with no issues. But suddenly in after few minutes things got changed and I was not able to see my account or balance in my home screen of the app. 

Immediately next day XX/XX/XXXX I got a email that your account is closed with no further details. 

Immediately we called customer care to enquire, and got a response that our account is initiated to be closed by Bank with no reason provided. 

However bigger problem is, we were told that all my funds in the account are moved to ABANDONED! There was no real reason provided by any one on WHY? 

I have more than XXXX of my hard earned savings in this account and it is not refunded to me before account closure. 

Marcus have multiple options to refund my money back 1. XXXX XXXX  XXXX account - This is verified and active account. I had withdrew money to this account just on XX/XX/XXXX. 
2. XXXX Account - This is the account on the name of my husband who is joint account holder with me on Marcus. 
3. Send the check on mailing address. 

However none of the verified refund methodology was attempted and funds were moved under ABANDONED state. 

I already had so much issues in past 2 months to access my account, but just on XXXX XXXX got a call from Marcus helpdesk and informed me that all my account is now good and verified and I can access it with no issues. But suddenly in 2 weeks Marcus closed the account and moved all my funds to Abandon? 

ALL I need is give my $ XXXX funds back AS EARLIEST - Either through linked account or Check! 

Please find account details below - Account opened - XX/XX/XXXX. 
Linked Funding Accounts : 1. XXXX XXXX  & 2. XXXX  XXXX XXXX Balanced as of XX/XX/XXXX - {$33000.00}
Consumer complaint received 2018-12-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

As of XX/XX/2018, I have made 4 payments totaling {$750.00} to XXXX XXXX XXXX XXXX   XXXX, however none of them have been credited to my account. They have all been paid through Capital One Bill Pay and Capital One shows that all payments have been processed ( Exhibit A ) and cashed ( Exhibit B ). However, XXXX XXXX shows they have not received any payments since XX/XX/2018 the last payment they show was in the amount of {$280.00} ( Exhibit C ). I have received a delinquency letter ( Exhibit D ) and have been charged at least one late charge ( Exhibit E ). I do not want XXXX XXXX to report my account delinquent to the credit reporting agencies. 
As soon as I noticed this problem, I contacted Open Sky on XX/XX/2018 and spoke to XXXX ( around XXXX XXXX  EST ). She took down my phone number in case we were cut off. She said she would have to start an investigation and she put me on hold for so long we were either disconnected or she hung up. She made no effort to call me back. From the absolute void of information from XXXX XXXX since then, it looks like she made no effort to launch the investigation either. 
To date I have not received any notices from XXXX XXXX about the investigation, not to mention over Seven hundred dollars of my money missing. In short, I do not believe XXXX started any investigation and I find that criminal in light of the credit problems and monetary losses that are clearly foreseeable. The payments are as follows : XX/XX/XXXX {$100.00} XX/XX/XXXX {$100.00} XX/XX/XXXX {$250.00} XX/XX/XXXX {$300.00} Unfortunately, I have so often found myself in the position of being told lies, incorrect information, etc. it has become necessary to file complaints with the CFPB just to get someone in authority interested the problem I do not want to find late payments have been reported to the credit reporting agencies, and I am apparently the only one who is trying to find a solution to my missing money. 
I have filed this complaint against both XXXX XXXX and Capital One in the event Capital has not remitted the payments to the correct account. Something is wrong and it appears the answer lies in one of the two Defendants.
Consumer complaint received 2024-02-15
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. (CA)

I have repeatedly told this company they are contacting the wrong person but they continue to call me. I am not associated with the person they are asking for other than we have the same last name. The calls have been coming from this company for years, I have notified them numerous times throughout the years they are calling the wrong number and the calls will stop for a few months and continue right up from numerous different numbers associated to the same company. I sent a cease and desist to the company in XXXX and the calls are back repeatedly calling me everyday day for the last couple of months. Again I am not associated with this company or the person they are attempting to reach. I can produce my phone records and proof of identity and who the phone is registered to if needed. 

The company calling repeatedly everyday is Midland Credit Some of the numbers they are calling from include : XXXX XXXX XXXX
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

ATTN : XXXX XXXX at XXXX XXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, Experian, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NH)

I believe that there is an error on my account ending XXXX and XXXXThis billing dispute is for past, current and present certificate of indebtedness under this contract. 
Currently my account is being treated as an open-end credit consumer account. Open-end credit is a type of loan that the borrower can draw money from repeatedly up to a certain pre-approved limit. 
Per 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. With this said, the transaction history on my account needs to be corrected. 
I am also aware that Capital One has not credited my account, via the XXXX XXXX XXXX XXXX, the interest accrued upon my treasury coupon. 
Per the IRS publication the creditor, Capital One, is required to send the proper XXXX documentation every year so that I XXXX fill out my taxes properly. 
Per CFR 1026.13 ( d ) ( XXXX ) The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

I reached out to the credit bureaus about a problem on XX/XX/XXXX and they have yet to respond. my biggest issue is that the bankruptcy there roporting doesn't belong to me I even reached out to the bankruptcy court and they sent me a letter saying that they do not report so how this information is on my credit I have no idea but i would like it to be removed right away
Consumer complaint received 2022-07-21
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: Santander Consumer USA Holdings Inc. (OH)

I request to Take this company off my credit report I never authorize the company to put their information on my credit report I have already expressed that they take it off my credit.
Consumer complaint received 2018-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (WA)

On the same day, I received two different letters, one from XXXX XXXX XXXX XXXX and one from XXXX XXXX XXXX XXXX, both asserting PayPal , Inc. as a creditor. The XXXX amount was {$620.00} and the XXXX XXXX amount was for {$50.00}. I checked with PayPal. I have no debt. My account is clear. None of the account numbers on the debt collection letters are mine. Both were mailed to an address I moved from 12 years ago, in 2006. This is clearly identity theft.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, I noticed suspicious activity on my credit card where an unknown account was linked to my credit card. A payment in the amount of {$4000.00} was made using that account, I called the back to notify them, that this was not my doing I wasnt the owner of that account and I never make over the phone payments. I was told that at the time they couldnt do anything but in a few days the amount should drop off, which it did. On XX/XX/XXXX th he at B amount was returned to my card bringing me over the limit, I called the bank explained the situation and was told they were opening a fraud investigation and that theyd have to manually remove the return, on XX/XX/XXXX they closed all my credit card accounts for fraud. I did not in any way commit fraud. I reported the activity and I am being treated like a criminal. This is causing more financial stress as it is going to affect my credit. It is causing mental and emotional anguish to me as a customer of the institution. No one at capital one called me to verify or go over the fraud that was reported. They closed my credit card accounts with no justification.