davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (KY)

To Whom it May Concern, While checking my most recent report I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ) XXXX XXXX XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 2. ) XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 3. ) XXXX- " Requested '' XX/XX/XXXX 4. ) XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 5. ) XXXX XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 6. ) XXXX XXXX- " Requested '' XX/XX/XXXX 7. ) XXXX XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 8. ) XXXX  XXXX XXXX " Requested '' XX/XX/XXXX 9. ) XXXX via XXXX  XXXX- " Requested '' XX/XX/XXXX 10. ) XXXX- " Requested '' XX/XX/XXXX 11. ) XXXX XXXX XXXX XXXX " Requested '' XX/XX/XXXX 12. ) XXXX XXXX XXXX- " Requested '' XX/XX/XXXX 13. ) XXXX  XXXX XXXX " Requested '' XX/XX/XXXX XXXX. ) XXXX XXXX- " Requested '' XX/XX/XXXX 15. ) XXXX XXXX " Requested '' XX/XX/XXXX 16. ) XXXX   XXXX XXXX- " Requested '' XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611.
Consumer complaint received 2021-03-26
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: CITIBANK, N.A. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-09-21
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 (NJ)

I reported to chime that my phone was stolen and my account compromised I could not get into my mobile app at time of first dispute well finally the XXXX I could access account or so I thought chime put hold on account for suspicious log in activity finally XX/XX/21 I regained access upon checking my account {$400.00} in unauthorized transactions were made I immediately contacted chime and dispute it not even a full 24 hours later my dispute denied I have a temp to reopen dispute with no luck I missed 2 day of work while account was on hold and I was robbed and chime dont care
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (CA)

I opened a account in 2011 when I was XXXX XXXX XXXX ... ..after about 10 years I came back to reopen a new account and they have me on a block list for old accounts I've never opened I
Consumer complaint received 2018-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (MD)

I have been receiving many harassing phone calls from spoofed numbers, from someone identifying themselves as XXXX XXXX from National Credit Systems. They have stated that they are attempting to collect a debt. They have also called some of my family members from spoofed phone numbers. The number that they leave to return calls is XXXX. 

I received a letter in the mail yesterday that they are trying to collect a debt from an apartment complex, XXXX XXXX XXXX  XXXX, I lived in for 6 months in 2017, in XXXX XXXX, TX. The alleged amount owed is {$1000.00}. They have threatened to report to the credit bureaus. Additionally, they sent a separate letter to my husband for the same amount. On the NCS website, they have documentation showing that XXXX XXXX XXXX  XXXX owed us the amount they were trying to collect. 

This debt is not real, as I have proof of a good standing with the apartment complex upon move out and proof that my security deposit was returned. I have been unable to reach the apartment complex yet, but used their website 's " Contact '' function to send an email demanding answers. 

They call many, many times a day, spoofing their number to be similar to mine. I have resorted to blocking each number, and have never answered the phone. I will take whatever legal action is necessary, as this is unacceptable.
Consumer complaint received 2018-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MD)

The lender failed to calculate the payments according to the terms of the loan documents. 
This was a negative amortization loan and they failed to do the calculation in pursuant to the terms of the loan. The problem was till XX/XX/2014. 
They failed to provide a complete payment history from the day I took the loan. 
I requested again by sending a QUALIFIED WRITTEN REQUEST. ( QWR ). 
THEY IN TURN STATED WE HAVE TO DO A APPRAISAL. Before we can comply with your request. 
The Appraisal have nothing to do with the payment history. 
I strongly feel they missed payments which i made and need accounting
Consumer complaint received 2018-09-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I added a few authorized users to my 'Chase XXXX XXXX ' credit card. I opened my account on XX/XX/2016. I never had any late payments, late fees or missed payments. I have a 100 % on-time payment history with Chase. I never done anything illegal with my credit card ( e.g., online gambling, etc. ) I never submitted a Reg E claim. I never violated any of the cardholder 's terms and agreements. Also, I do not have any late payments, missed payments, collections, charge-offs or public records on my credit reports. According to XXXX, all XXXX of my FICO Scores are 700+. 

Chase made the egregious decision to unilaterally close my account without any advance notice. Chase stated account closure due to authorized users, however, according to Chase 's website : " Share your Chase card with ones you love '' https : XXXX Chase 's website encourages consumers to add authorized users stating its benefits. I have a relationship with all of my authorized users and none of their names or information are fraudulent. All of my authorized users expressly consented to be added to my Chase credit card. 

This is misleading advertising and a violation pursuant to the federal truth-in-advertising law. 

Under the Federal Trade Commission Act : Advertising must be truthful and non-deceptive ; Advertisers must have evidence to back up their claims ; and Advertisements can not be unfair. 

By Chase closing my credit card account against my wishes, my consumer XXXX score has lowered because I have one less " open '' account on my credit report. Also, by Chase closing my account, it lowers the average length of open accounts on my credit report, further lowering my credit score. This is resulting in an undue financial hardship By my credit score getting lowered because Chase closed my account, I now can not get approved for new accounts and/or will be charged higher interest fees because a lower credit score indicates higher risk of default. I did not violate any laws or any terms or agreements. 

This is unfair and constitutes deceptive practices.
Consumer complaint received 2018-09-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: ENOVA INTERNATIONAL, INC. (OR)

On XX/XX/XXXX I sent email to cashnetusa stating that I was revoking ACH permission to them because I could not afford to pay my bill at this time. The company sent an email back stating that they received my ACH permission denial email and that no more electronic withdrawals would be from my account. On Friday XX/XX/XXXX they withdrew XXXX from my checking account. I want money credited back to my account, stat.
Consumer complaint received 2018-09-30
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: Experian Information Solutions Inc. (CA)

Hello please need to removed a collection is showing in my credit report innacurate, I filled a complaint to dispute a collection is showing in my credit report that is never been my account or never had a credit card with this company or bank thank you.
Consumer complaint received 2019-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Recoveries, Inc. (AL)

In XX/XX/XXXX, I received a letter from National Recoveries stating that my loan was in default & had been turned over to them. I contacted them to set up a payment arrangement for my loan. I was told that I would be emailed a link to invite me to XXXX where I would be able to upload required documents for the program. I did so on XX/XX/XXXX. I set up an arrangement for {$100.00} monthly would be taken from my checking account. I was also told that my loan would be taken out of default & any tax offset would be removed from my account. Since then I had been making payments. XX/XX/XXXX I filed my taxes with XXXX XXXX XXXX XXXX & was updated that I should receive my refund in my account on XX/XX/XXXX. That didn't happen. I checked IRS.gov website & my status showed that my refund was taken & put towards my student loan as a tax offset. On XX/XX/XXXX I contacted National Recoveries to see exactly what was going on, & I was informed by XXXX that they did not tell the U.S. Department of Education that I had entered into the loan rehabilitation program & was making voluntary payments & to take my loan out of default status & off tax offset. I asked if I could request a hearing & they said they didn't handle that. They also said they mailed me a letter informing me that they didn't have all the required information to enroll me into the loan rehabilitation program. I responded by telling them but yet and still y'all was taking my money since XX/XX/XXXX. The letter they mailed was dated XX/XX/XXXX to my old address. I had no idea my loan was still on tax offset until I went to IRS.gov. The letter I received from the U.S. Department of Treasury was dated XX/XX/XXXX, after I should've received my refund.
Consumer complaint received 2019-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Performant Financial Corporation (IN)

There was a garnishment hold placed on both of my checking accounts for {$350.00} from XXXX XXXX XXXX XXXX. It ran both of my accounts negative. When I spoke to the bank I was able to get the creditors phone number and called them. I was informed at that time ( XXXX ) that the amount of the hold was what was owed on taxes from XXXX. I have never received a letter from that company stating it was owed. When the money came out of my account ( which took my rent money ) I called them again ( XXXX ) to have the hold removed from my second account the agent told me they took my tax return from this year and there is still {$110.00} owed to satisfy the debt. Now every time I ask for a copy of the bill stating how much was owed and from when the company hangs up on me. I have yet to get proof that I actually owe for back taxes. Also for the last two years I have received a state tax return so if there was money owed then that would have been taken. I would like to know what my options are at this point since the collection agency is basically refusing to provide me proof of what is owed. Also I have never gotten a court date or any papers about a judgement against me. My job hasnt received any notices about any garnishment either. Thank you for your help.
Consumer complaint received 2018-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC. (CA)

ECMC has sending me letters for default loan, after repayment plan, and loan given back XXXX for forbearance. I was told my loan separate from University of  XXXX this not XXXX told me, as XXXX loan forgiven school closure. I also filled out a loan discharge ability to benefit, on basis that didn't get high diploma, and was given no examination by university of XXXX, I was email form to US Dept Edu and never heard anything form them.I have been getting threaten emails from them every week.
Consumer complaint received 2018-09-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CO)

Upon closing of my XXXX loan with XXXX Bank I submitted the home owners insurance policy on my condo paid for by my XXXX fees and the XXXX was approved. After 2 months of payments the XXXX sent me letters that I need to buy additional XXXX insurance. I called several times and got them the copy of my current home owners insurance via XXXX ( exact same that was submitted upon loan approval ), via email. Instead of working with me on it they charged XXXX $ to my escrow account with out my permission. 

I feel like they have violated my finances and charged XXXX with out my consent. I am paying the loan amount and all the interest in full and want them to please pay my XXXX $ back as it was a completely unauthorized transaction and illegal. 

I hope you can help me get due process on this. I have not had luck despite several phone calls to Flagstar mortgage bank and even asked for supervisor. 

I appreciate any help you can provide in fighting for what is right.
Consumer complaint received 2023-01-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Ok this happened approximately XXXX year ago, I noticed that there were several transaction made on my card one morning, when I tried to buy something with my debit card. And it was declined. And the day before there was several XXXX dollars in my account. So I went inside the bank and the banker I talked to helped me file a claim. So there were over XXXX transactions taken from my account in a XXXX month period. And it added up to over {$6000.00} dollars. So I waited for XXXX months for them to investigate. Then I received a letter saying the claim was denied. And that I authorized all of the transactions. So they closed the claim. So I asked for a copy of the statements, and they were mostly from XXXX. So I noticed that all of the amounts were small amounts,. So that's why I didn't notice the money being taken. And the amounts were no more than XXXX, or XXXX XXXX etc. I have never purchased anything from overseas. So I went and filed a police report and the bank said maybe they would reopen my claim. But they refused. So my phone was also hacked, and I had to buy a new phone. And someone claiming to be from XXXX security called and said they were returning money to me, and at that time I had {$700.00} in my account and they tried to get me to log into my mobile banking but I said no, so they continued to stay on my phone. Then I hung up on her so I could call the fraud line for Wells fargo and somehow the XXXX lady was still connected and kept pushing mute on my phone so I couldn't call and report that someone was trying to withdraw {$700.00} from my account. So I immediately removed the wellsfargo app from my phone. And they said they were not going to give me back any of the money.
Consumer complaint received 2021-03-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I sent out disputes letters to the credit bureaus on XXXX different occasions and still have not received any response from the bureaus acknowledging my letters. I sent them letters on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Not only have I not received any response in the mail, I also have not seen any comments on my credit report which is a violation of against the FCRA.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (AR)

Synchrony Bank care credit .Show a balance of {$5900.00}. I do not have an account open with the bank. I was approved via XXXX XXXX but never received any documentation nor terms and nothing in writing. XXXX dental was not transparent in the fraud they attempted on me. I have no plans to use their clinic for dental work. I had an x ray that was it. XXXX visit for an x ray and no follow up by my choice to seek a local oral surgeon. I closed the care credit account and notified the three Credit Agencies of being a victim of deceitful practice by XXXX XXXX. They received funds from Synchrony Bank of {$5900.00}. I received nothing. They have a high pressure sales tactic to fool possible clients in to using care credit to finance their health care It is well documented by the judgement against them in 2013 where care credit was fined by the court XXXX XXXX for deceptive tactics.
Consumer complaint received 2020-07-14
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. (WA)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2019-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MH)

On XX/XX/2019, I sent my IDR Recertification as required, including my entire tax return to XXXX XXXX. On XX/XX/2019, I received a document stating I had not sent all required information. I immediately called and asked what was required, and the agent said there had been an error and they would send my documents for review again,. As I didn't hear from them two weeks later, I called again. They didn't know anything about my previous call 's results, and they said again that I had in fact sent all required pages and they would review it. Two weeks later, I had heard nothing, so I sent an email requesting follow up. I immediately received an email of links to the FAQ but nothing actually relevant to my problem. 

After one week with no further response, I called again, This time, it was claimed that my documents had been reviewed both times but I had not received the results I wanted. Note that I had received no notification of these supposed decisions. I was asked for other proof of income. I have uploaded these documents but received no confirmation of receipt. I also have no confirmation that I will not be required to pay the full amount in XXXX when my IDR expires. Moreover, if my IDR is calculated based on pay stubs rather than my income tax return, I will end up being billed more because my deductions will not be considered. This is fundamentally unfair.
Consumer complaint received 2021-08-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MA)

I tried closing my account on XX/XX/21 and they told me they could NOT verify it was me all because I changed my phone number. The account email is XXXX my social ends in XXXX but obviously I know the whole thing and told the guy at XXXX XXXX and the number I changed it to was XXXX from XXXX which was the old number. Address is XXXX XXXX XXXX XXXX XXXX ma XXXX and there was an old addy of XXXX XXXX XXXX XXXX XXXX XXXX ma XXXX. Please close this at once, this is ridiculous. 

XXXX XXXX
Consumer complaint received 2021-04-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On XX/XX/21 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taking advantage of and being ignored of my disputes. In Section 611 ( a ), it plainly calls out that a failure to investigate theses items with in 30 days gives a clear and present reason to immediately remove those items from my credit report it has been over 60 days so the items in question should be deleted promptly. I demand the accounts in question be deleted immediately or I will file for a litigation due to the mental and emotions stress you have caused me. This matter has effect my mental and physical wellbeing and I will seek damages if this matter is not swiftly resolved. My information was also impacted by the Equifax data breach.
Consumer complaint received 2016-09-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Holloway Credit Solutions (AL)

I paid this debt XX/XX/XXXX to Holloway Credit Solution, LLC, the same day I was contacted, I open this account in XX/XX/XXXX. On XX/XX/XXXX, Holloway Credit Solution LLC, call me from this number XXXX, threating me about she had the papers coming to my job, after that did not work, they found this old collection and placed it on my credit report, causing me to lose XXXX points off of my score. I did disputed it but it is still remain as fact. XXXX reporting