davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (SC)

In XXXX of 2020. My mortgage lender. Started a escrow account without my knowledge or my permission. ( Chase Mortgage ) I have been told by my Bank this is an illegal action. I am current with my mortgage payments. I've never been late with a mortgage payment. Chase Mortgage bought my mortgage. Or about 10 years ago. I have always paid for my own home homeowners insurance and property tax. When Chase Mortgage bought my mortgage. They bought a credit card debt. Which was in my name but used by my ex-wife. 
Chase Mortgage hounding me with at least 24 applications to refinance. I told him over the phone several times to stop sending me application to refinance. Prior to ... I sent a check for an additional payment on my principal of the loan. The regular mortgage payment and payment on the principal Separate Checks. When I did not find out ... through my bank statement that my principal payment check had been cashed they told me with my principal check had been eating by their machine. Chase Mortgage. Both checks were placed in the envelope side by side if it chewed up one check it should have chewed up the other one. I am a senior citizen and the way I was treated. I felt like they thought I was old and I couldn't do anything about it. In any event they started an escrow account in XXXX of 2020. Whereby they created their own home insurance policy. And I have homeowners insurance. I know for certain you can not have two insurance policies on the same property. already had my own homeowners, so Chase in fact took out their own homeowners insurance and created a escrow account without my knowledge. Then they put a lien on my home. What they were trying to do was collect the credit card debt that they bought when they bought my home mortgage. Or I couldn't go elsewhere and refinance my home with another lender. This can not be proper and just ... for Chase Mortgage to take this action against me since I was not behind on my payments in my mortgage. Chase Mortgage has in fact violated my rights ... as a consumer. Chase knows in fact that I can not hire a lawyer to fight my case so they think they can treat me any way they please. Well, this is an outrage to treat a senior citizen and such a horrible manner. Mainly I want to know what can be done about Chase Mortgage. I found out for my banker that they can not start an escrow account without my signature on my consent. Chase Mortgage did in fact break the law!!! They in fact have the lowest satisfaction rate..of any mortgage company across the USA ... Chase mortgages rating with their consumers is in the 60 % range. For I am definitely not the only person. That has their problems with Chase Mortgage. Please advise on what I should do or how I should proceed with this matter. I live alone, I have no one to help me whatsoever. Chase Mortgage is trying to intimidate me. Or bully me.
Consumer complaint received 2020-11-23
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 {$15000.00}, {$9400.00}, {$8100.00}, {$0.00}, {$0.00}, {$24000.00}, {$12000.00}. 
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 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 ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8100.00} -This is not my account. 


-- PERSONAL ACCOUNTS 4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

6. XXXX XXXXXXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Consumer complaint received 2021-05-06
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: Avant Holding Company, Inc. (FL)

This complaint is regarding my credit card account with Avant Card ending XXXX has a credit limit of {$500.00} with a current available balance of {$380.00} with a APR of 25.99 %. 

I have never missed a payment with Avant card ive always been excellent with them and overpaying. Currently they have my card locked and have had it locked since XX/XX/2021. 
I submitted a dispute on a charge in XXXX for a charge at the time that stated authorized charge pending for {$290.00}, they submitted my claim to fraud they shut down my card sent me a new one. After that point a week later the charges name appeared " XXXX '' I called avant and they informed me that I could call XXXX the representative gave me the number and told me if they do it will take 10 business days. I call XXXX they informed me it was something with a XXXX XXXX  XXXX  in New York & that no dispute had been submitted but once my credit does submit it, they will send in everything to prove I did not rent a vehicle nor picked up a vehicle with a XXXX XXXX  XXXX  in NY. 

I also informed them I am in Florida how would I be renting a car in New York and they could see all my purchases at XXXX XXXX, XXXX, my XXXX  purchases. 

I received a call from someone name XXXX from fraud saying my case was being transferred to the dispute center and, it would be assigned to a rep named XXXX and gave me his phone number. 

On XX/XX/2021 Avant card closed the dispute and posted the funds into the card in the amount of {$290.00}. I went to use my card and it was declined so I call them and they inform me that my card is locked. No one can give me reason why or I have spoken to over 7 managers in XXXX alone. 

I received a phone call on XX/XX/2021 at XXXX XXXX  from a manager named XXXX after pleading with a rep to please have a manager call me because they stated their was no managers available to take my call. 
She informed me in the next 2 business days my card would be guaranteed to be unlocked " perfect '' I replied. 

We are now on XX/XX/2021 and my card is still locked I tried doing a purchase and again declined at this point I do not know what is going on and I am not getting correct answers from anyone in that company. 

Please help me correct this issue with this company it has been well more than allotted time that is mandated. 

I have attached 5 pictures from the beginning of when it happened then, when they posted the funds back on the account and, then the following of them having the card locked. I did include payments and still outgoing payment promised to them on autopay without me even be able to use my card. 
You will also find the incoming call from the rep XXXX.
Consumer complaint received 2020-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After observing my credit report and receiving prior security alerts. I observed a inaccurate fraudulent account in my name and also a hard inquiry on my credit file. I have in the past been a victim of fraud, have had my information exposed and leaks on the dark web and also through XXXX  data breach. Which I am currently awaiting a claim lawsuit. The hard inquiry that was detected and is inaccurate and not authorized by me is by XXXX/XXXX  on XX/XX/2020. A fraudulent account from XXXX XXXX  XXXX XXXX is also listed on my credit file and this account was disputed in the past and reappeared.Attached is documents from XXXX XXXX advising that they found my information in a application and notice that it was fraudulently done and the unknown individual couldnt verify the correct identity to access my information. But an account was still openeded via web. I am requesting for XXXX XXXX XXXX  to be permanently removed from my credit file as this is hurting my score and was unauthorized by me.
Consumer complaint received 2021-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
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 have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2019-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (IN)

XXXX sold a past due account that was over two years old to collection agency. The account was time barred when sold to convergent outsourcing in XXXX of 2016. Neither company will help get this removed from my credit report.
Consumer complaint received 2021-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CO)

The balance on the credit card was paid in full. I did not use this card for any transactions after the balance was paid in full. I only use credit cards for emergencies and then try not to carry a balance. My credit history and XXXX score was in the XXXX range when I first started dealing with USAA and had a excellent payment history prior to any financial dealings I had with them. Since my mortgage refinance in XX/XX/2015, that they processed under illegal contracts contracts, my credit history and scores as well as my financial life has been a logistical nightmare to clean up. 
Below you will see the proof that this card balance was paid off. 
USAA has caused harm and character defimation to my credit history and score by falsifying any transactions occurring after this payment shown on this bank statement. 
Such malicious acts were done to keep me from moving forward financially and to cover up their illegal and fraudulent mortgage service.
Consumer complaint received 2021-05-06
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: Experian Information Solutions Inc. (IN)

I have a recently received my credit report and noticed a bankruptcy on my report that i did not authorize or give consent I know and understand that is a violation to my right to privacy as a consumer according to 15 usc 1681 ( a ) ( 4 ) furthermore I did not give consent to this information to be furnished according 15 usc 1681b ( a ) ( 2 ) this is a violation to my consumer rights I've also contacted the bankruptcy court and have been notified that they do not report to the credit reporting agencies
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Money Management International, Inc. (IL)

XX/XX/XXXX, I enrolled in a Debt Consolidation program with Money Management International. There were 4 credit cards rolled into the program. XXXX XXXX & XXXX  XXXX XXXX respectively. 

As of XX/XX/XXXX, I began making payments with MMI debt program with the impression that my accounts were negotiated and that everything was being handled accordingly It was only until XXXX of this year XXXX, after reviewing my credit report, that I realized, ONE of my XXXX  XXXX Credit Cards was marked LATE three months in a row. 

XXXX, XXXX, XXXX of XXXX, were counted as consecutively late, on only ONE of XXXX  CREDIT CARDS When I tried contacting XXXX  XXXX to ask the reason, they said I had an outstanding balance during XXXX, XXXX, XXXX of XXXX. However, to my dismay, I was NOT alerted by XXXX  XXXX, nor MONEY MANAGEMENT INTERNATIONAL of the past due status. 

Had I been made aware of it at that time, I would have paid the PAST DUE BALANCE, immediately. In asking for a positive resolution, XXXX  XXXX told me to defer to MMI.

The same day, I contacted MONEY MANAGEMENT INTERNATIONAL to try to clarify the situation. Money Management confirmed that the payments were being made to XXXX  XXXX on a timely basis. That there must have been some lapse between months. 

In essence, I have the two companies pointing the finger at the other. While both tell me it's not their problem to fix. And I am now stuck with an adverse CREDIT SCORE, because of it. 

I was making a concerted effort to FIX my CREDIT, not destroy it. PLEASE HELP ME
Consumer complaint received 2021-05-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alco Collections, Inc. (GA)

I was never contacted or mailed any fees of the debt owed. I have tried calling and leaving messages with Alco Collections Inc since it was reported on my credit since XXXX of XXXX still no avail as of XX/XX/XXXX. Ive called the company that initiated the debt XX/XX/XXXX and was told theyll contact Alco Collections Inc. and never received a call back.
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (MD)

I want to report that I am a victim of identity theft/fraud. I was contacted by TD Bank on Friday, XX/XX/2022, informing me of a negative balance on my account. I told the representative that was impossible since I did not have an account with TD Bank. I was asked to verify my information, which I refused. I asked the representative to verify her information on me, which she declined. I then informed her to send me the information in writing. 

On Tuesday, XX/XX/2022, I received a letter from the bank. I immediately rushed over to the bank in my area. I was informed that TD Bank had already closed the account. Not only was the account closed, but the subject paid the overdraft fee. I was provided with information to report to the three credit bureau agencies, FTC, and Social Security fraud line. The teller also told me that I was not the only person that has reported on identity theft/fraud. The bank seems to have a high number of fraudulent activities. 

After leaving the bank, I went to the XXXX XXXX Police Department and filed a report. I was advised of the same reporting. The officer also told me that they had increased reports from individuals reporting the same situation with TD Bank. 

I contacted TD Bank Fraud Department, reported the matter, and requested more details. I would need to wait until the investigative team completed the investigation and provided me with the report, which should provide me with more information to report to the respective agencies.
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (IL)

To The Fraud Department, My name is XXXX XXXX and around XX/XX/2021 I was diagnosed with XXXX XXXXXXXX. I found out that my husband used my Huntington bank debit card and credit cards to buy his XXXX lavish gifts. While I was in the hospital my husband has access to my phone, my email which is on my phone, and my wallet with my debit card and credit cards which was all left in the house when I was rushed to the hospital fighting XXXX. My husband of 20 years guessed my debit card pin to access my debit card to buy his XXXX  gifts. I have filed for divorce and I have filed a Fraud complaint on my husband of 20 years. The fraud complaint is attached in this email and I have reached out to Huntington bank to reverse the charges of {$17000.00} that was placed in the act of fraud by my husband of 20 years on his mistress. Under the fair credit billing act and fair credit reporting act I am not responsible for the charges. I just want my life and fund back this monster of a husband took from me. I am keeping a record of all emails, fax and phone calls about this case. 

I have also filled out an FTC complaint and attached it in this complaint I look forward to hearing from someone very soon
Consumer complaint received 2021-12-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

I received a call yesterday saying the caller is from Citi bank and he wanted to inform me that someone in Kentucky spend XXXX dollars in XXXX with my card, and he wanted to know if I recognized it. I told him I didn't recognize it and he said he will cancel it for me and he asked if I receive the Citi online ID code with the text message. I told him the code and he used it to transfer all of my money from my saving account through XXXX. At the same time, he started to transfer my money away. so I don't have to worry about the transactions that I didn't recognize and he assured me that the team would start an investigation team to work on it. He also stated that the new card will arrive in three days, so I believed him. His number is XXXX. I have no idea how he could just use the Citi online ID to access my account since I didn't even tell him my account number and password.
Consumer complaint received 2021-05-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (TX)

XXXX XXXX XXXX DEBT Account opened XX/XX/2020 Term 1 month XXXX paid toward amount that Is due Total amount due Is {$800.00} Credit report number is XXXX report via experian Under Collections with Credence Resource Manager ... 
I didn't pay or have any knowledge of this XXXX XXXX XXXX  account opened to have paid any monies to it I indeed did not open such account
Consumer complaint received 2018-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (CA)

I received 3 return packets from XXXX. I opened one and saw they were phone return packets. I found XXXX 's fraud reporting phone number and tried to contact them, but only received automated messages. ( XXXX XX/XX/2018 ) I went to XXXX store at XXXX XXXX, XXXX XXXX and told them of this fraudulent activity and asked to check the name as spelt on the envelope " XXXX XXXX '', note not same as my name. They could not find anything, and said they could take any fraud discovery or fraud report information. So I mailed back these packets with notes on Fraud activity. 

Later I complained on XXXX about collection agent hired by XXXX, and now an even more abusive collection has been hired by XXXX. 

( Saturday XX/XX/2018 onwards ) I have been getting many calls from Diversified, and I told them that I have reached out to XXXX numerous times. But they still threatened me with consequences. Previous history below ( resolved with XXXX  ) I checked the Fraud website on XXXX, and noticed it was too complicated, and asking me to reveal lots of personal information. While in the meantime I am not able to reach any human at XXXX. The web reports on Fraudulent department at XXXX were also bad.
Consumer complaint received 2021-05-06
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: Experian Information Solutions Inc. (NC)

Experian is using an automatic system E-ocasr or equivalent to verify inaccurate information on my credit report, Experian is reporting 2 separate Closed accounts with {$0.00} credit limits and inaccurate payment history. 

One XXXX card Experian is reporting a balance of {$4400.00} with a credit limit of {$0.00} with a past due amount of {$1800.00} that same account is reporting 120 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX with no high balance reporting the second XXXX card Experian is reporting a balance of {$1300.00} with a credit limit of {$0.00} with a past due amount of {$1200.00} that same account is reporting 120 days late in XX/XX/XXXX and 120 days late in XX/XX/XXXX with no high balance reporting XXXX  and XXXX  are reporting no such accounts on my credit file
Consumer complaint received 2021-05-06
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. (CA)

The personal consumer statement, in my credit file was not made by me and is 100 % inaccurate. I have filed several disputes directly with the company and submitted at least two complaints with consumer finance. I recently received a dispute decision by mail, stating that my request was unclear and my credit file had been updated on XX/XX/2021. Still, despite that, the inaccurate consumer statement exist. Please, get them to remove it in it's entirety. 

Thank you
Consumer complaint received 2020-10-24
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. (FL)

I never had a XXXX account nor XXXX XXXX XXXX XXXX XXXX account. Nor for the past 7 years have I made any inquiries or tried to get new credit
Consumer complaint received 2019-08-15
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commonwealth Financial Systems, Inc. (NJ)

This is a collection that has pained me for over 15 years way pass the statue of limitations I dont recognize this debt for the past 15 or so years I have been i have disputed this debt I get them off my credit they sell it to other creditors an get back on my credit and also change their names and code numbers this has been going on long enough its way past the statue of limitations I dont know what this debt is and I want the harassment to stop