davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (NJ)

This complaint is for JPMorgan Chase Bank and their collections services XXXX XXXX XXXX XXXX. The account I had with JPMorgan was for a credit card that needed to be paid. The account was then passed to XXXX XXXX XXXX for collection. I called XXXX XXXX XXXX on XX/XX/XXXX and identified the debt with JPMorgan Chase Bank with account representative XXXX XXXX XXXX. On the same day, the debt was settled for {$2700.00} and paid through a check from my XXXX bank account deposited on XX/XX/XXXX. I received a letter sent from XXXX XXXX on XX/XX/XXXX stating that XXXX accepted the settlement for the referenced account. It was stated on the phone that the settled debt would be reported to JPMorgan Chase Bank, then updated and removed from my credit report. However, I received mail notification sent XX/XX/XXXX that XXXX XXXX and XXXX XXXX XXXX are now trying to collect a new and different debt in the amount of {$1800.00}, which was reflected on my credit report. I am not acknowledging that I owe this amount, nor do I validate this amount as it conflicts with my notification of debt settlement received by XXXX, and what was discussed verbally on the phone. Supporting documents are in the attachments.
Consumer complaint received 2022-08-29
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. (GA)

This is XXXX XXXX XXXX submitting this CFPB complaint today to request the removal of the frqaudulent items reporting on my Credit Report. I was a victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-10-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

We recently refinanced a mortgage through JP Morgan Chase. The loan we were refinancing was also a Chase loan. We had an escrow impound account on the old loan with a balance of over {$8000.00} which we were paying monthly so they would pay our taxes and insurance. When we refinanced, we said we no longer wanted an escrow/impound account. We were not asked what they should do with the balance in the escrow account and Chase applied it to our loan payoff without our permission. We received a letter from Chase at the time of closing and it stated that if there was a balance, we would get a check in 10 days. When nothing came in 10 days, we questioned where it was and that is when we learned that they applied it to our previous loan payoff. We had been making these payments monthly, in good faith, with the assumption that these funds would be used to pay our taxes and insurance, not to pay down our balance. Now taxes are due and we dont have the {$8000.00} that we had been paying Chase to pay our taxes. 
Chase offered to refinance our new loan but to get the same interest rate we were given on the loan that recorded this week, we would need to pay {$8000.00} in points. Plus, they would consider the loan to be a cash-out since we would receive our impounded amount back. What is the point of that? If we kept our current new loan, they offered to give us {$1000.00} for our trouble but we still owe taxes which are over {$6000.00}. 
They made a mistake on our loan by not asking us what to do with our impound balance, not making the impound account available to pay the now due taxes and now offering to charge us for a cash out loan with points.
Consumer complaint received 2021-10-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: BlueChip Financial (TX)

I applied for a payday loan with Spot Loans Friday XX/XX/2021 & was approved for {$600.00}. The website states that if you apply, get approved, & sign your contact before XXXX CST youll receive your money on the same day by XXXX. I applied got approved & executed my contract all before XXXX. I called Spot Loans Friday evening & they told me I either didnt make the cut off time or I typed my banking info wrong. So I waited till today XX/XX/2021 & called Spot Loan & asked wheres my money.. They told me my banking account info was wrong my application was canceled & I had to reapply. Im like WHAT! & they proceeded to say the second try isnt guaranteed. I told them that this was not cool & I was going to file a complaint. Sure enough I applied just to see.. & I was denied! I want my money that I was approved for.
Consumer complaint received 2021-08-03
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: Receivables Management Corporation (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

My Personal Sworn Statement & Declaration : I declare that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18ll U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE ATTACHED MY IDENTIFICATION ON ANOTHER PAGE
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (NV)

I have a fraudulent charge on my Way2Go card with my Nevada unemployment benefits. The charge was made on XX/XX/2021 in California at a XXXX XXXX. I have disputed the transaction with goprogram but they refuse to credit my account and say I must submit form. I have written a letter in substitute of form which was deemed ok if I can fax it. Goprogram provided me a non working fax number and no other route to provide document to continue the dispute.
Consumer complaint received 2021-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (CA)

I have communicated with Home Depot Credit Services and their security team on multiple occasions explaining I was a victim of identity fraud. I provided them with the police report and have cooperated by providing them with as much information as I can. These are the people and dates below : XX/XX/XXXX XXXX XXXX spoke with XXXX ; XX/XX/XXXX at XXXX XXXX. spoke with XXXX ; XX/XX/XXXX at XXXX XXXX spoke with XXXX and confirmed they had police report. XXXX at XXXX spoke with XXXX and conveyed I continue to get harassed with phone calls even after provided police report. on XXXX at XXXX XXXX. spoke with XXXX and was left on hold for 11 ; 02 minutes and then I finally hung up. On XX/XX/XXXX at XXXX XXXX  I spoke with XXXX as I received a letter stating that their investigation does not support my claim was fraudulently opened. This was the second time I received a letter stating that my case was closed. XXXX has reopened the case. I informed her I would be reported them to the Federal consumer protection organization. 

The police have informed me that this case is not closed and is still considered fraud based on their investigations and information I provided.
Consumer complaint received 2022-09-30
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX is complaint im refering to transunion stated that i need to ket you guys know which inquirys are.all of them i need proof i stgned for them or was offered credit. i have stated numerous times all of inquirys except for XXXX filed on XX/XX/XXXX should be deleted
Consumer complaint received 2021-10-25
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. (MD)

This complaint is against XXXX  XXXX XXXX, they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotically debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. The continual stress of harassments, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (NJ)

I opened an Apple card in XX/XX/2021 as part of the process to purchase the new XXXX XXXX. I was approved for amount required and completed the transaction on XXXX 's website. At some point during the transaction there was some failed communication between XXXX and Apple Card, because Apple Card shows a pending transaction for over {$1400.00} but XXXX the merchant has no record of the transaction. The card now is basically unusable because until the transaction clears I can't reorder the product. 

The transaction has been pending since XX/XX/XXXX and even though I've spoken to XXXX ( in person and on the phone ) multiple times and Apple Card multiple times, each side says the problem is on the other side and no one will help me. 

Apple Card says pending transactions will be cleared after 2-3 days and at most 2 weeks after a merchant starts a charge. It's now been 5.5 weeks of this pending transaction. I tried to dispute the charge but Apple Card says they can't dispute the charge until it posts. So basically until this transaction posts, I'm in complete limbo when I tried to use an Apple credit card to purchase an XXXX product.
Consumer complaint received 2021-10-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GreenSky, LLC (AL)

This complaint involves XXXX XXXX  and their lender greensky. 
When applying for the 12 month no interest Greensky included a form authorizing payment in full to XXXX which initially seems like a reasonable form yet there is nothing in my contract that states that XXXX is paid in ADVANCE months ( 3-6 ) months prior to the windows actually being installed. when I called the representative with XXXX he unapologetic and even made reference to the form provided in the loan agreement with Greensky. This is deceptive and unfair to the consumer and should not be included in a loan application. secondly, this turns a twelve month no interest loan into a 6 month no interest loan. Realizing that the average consumer isnt going to start paying on a loan prior to work being completed. 
I respectfully request an inquiry into XXXX XXXX  and Greensky. Im certain theyre many consumer that are hit with 24 % interest from the inception of the loan due to this deceptive practice. It also leaves the consumer no way to even insure the work is done satisfactory when they have been paid in full months prior to work even being started. 
I have also contacted my State Attorney General with a complaint.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-01-03
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION (NY)

XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Customer ID Number : XXXX Loan Number : XXXX I would like the XXXX XXXX 60 day late payment on account XXXX ( Sallie Mae ) -- to be removed. This is a clear inaccuracy. Sallie Mae is reporting to the credit bureaus that i am on time and paid as agreed for XX/XX/2019 but 60 days late for XX/XX/2019. THERE ARE ONLY 30 DAYS IN A MONTH. HOW CAN I BE 60 DAYS LATE IN ONE MONTH. Please update it to the correct reporting or delete the CLEAR INACCURACY.

To Whom it May Concern, I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with Sallie Mae for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, 3 years ago, I was in a financial dilemma due to my health issues and hospitalization. As a result, 1 of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I paid the 60 days late payment on one occasion over a nine-month period, but I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your com
pany but now the 1 late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work and lease a new apartment, but the negative remarks are hurting my efforts. The negative remarks stop all chances of me obtaining my goal. I have been constantly denied from any and all credit products such as loans, credit cards, and even apartment leases. 



This is where my Goodwill Request comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF- Universals Data Form and fax it to the credit bureaus to remove those entries. 



The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 



King Regards, XXXX XXXX
Consumer complaint received 2022-08-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TD BANK US HOLDING COMPANY (IL)

This complaint is regarding the XXXX XXXX account number XXXX, Original Creditor : Nordstrom Card Services, Current Balance {$10000.00}. 

Today, XX/XX/2022, at XXXX XXXX XXXX I received a call with a caller ID XXXX XXXX XXXX 

Since I am a XXXX XXXX, I thought it was from my school and answered. 

When I answered, the representative said she would like to speak with me. 
I thought something was very odd, and I asked, where is this call from? 
Then, the representative said, It is a debt collector, calling from XXXX XXXX. 
I was stunned. 

Also, when I asked why your caller ID showed that you appeared as XXXX XXXX XXXX the lady told me, Because you are a XXXX XXXX we wanted to work with you and help you. 
I was speechless. 

When I previously contacted via a chat through XXXX XXXX website regarding any settlement options available, I disclosed that I am a XXXX XXXX to the representative I had a conversation with, XXXX XXXX, who was very pleasant and kind to discuss available options for me. 

However, todays call and the conversation I had today, not only violated Fair Debt Collection Practices Act 807. False or misleading representations but also it is not acceptable. 

Lastly, I told the previous representative, XXXX XXXX, on XX/XX/2022, that I could pay the settlement payment all at once on XX/XX/XXXX or later. Then I was told that the system allows scheduling a payment only 30 days in advance. So, it was ended that I would call at the end of XXXX to schedule payment for the settlement offer available for me. However, again, I got a call from XXXX XXXX today even though I already talked and discussed it with the previous agentwhich violated Fair Debt Collection Practices Act 806. Harassment or abuse. 

I have attached the screenshots showing caller ID as XXXX XXXX XXXX and the chat I had with XXXX XXXX on XX/XX/XXXX, showing that we discussed the settlement, and I am the one supposed to call her to schedule the payment at the end of XX/XX/2022.
Consumer complaint received 2021-11-24
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: EQUIFAX, INC. (GA)

I submitted my FTC fraud report, FTC report # XXXX to Equifax on XX/XX/2021. I called Equifax on Monday XXXX XXXX first spoke with XXXX, XXXX id # XXXX proceeded to ask her did they receive my FTC XXXXShe confirmed she did receive it. I then stated the pursuant to 15 USC 1681 C-2a, once the report was furnished to them it has to be removed from my credit report within 4 days.Once I stated the LAW to XXXX, she told me the FTC report wasnt real and end ended the call. I called Back and Requested a manager, I then spoke with XXXX id # XXXX. I stated the law and requested to have the fraud removed, he also denied my Demand after seeing himself the fraudulent inquiry from XXXX. They are in Direct violation of 15 USC 1681 C-2a, which States the following : 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code Notes ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.