davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MS)

My home mortgage is with Chase Bank. Beginning about XX/XX/2018 Chase Bank began to show the date of the latest consumer payment in the top right corner of mailed statement. I like using the Chase app to schedule my payment every month on their website. I schedule the payment for the 1st ;  if it is a holiday - I scheduled it for the day prior. I schedule the Chase payment during the middle of each month for the first of the upcoming month. I have never been late at all with this mortgage. However, I just noticed the other day that, in small print on the monthly mortgage statement, it states what date they received a payment. On my statements, there are many received payment dates of the XXXX and of the XXXX. They are not posting correctly ; all were scheduled for the first of the month ; or the day prior if the first is a holiday. And, each month, it is a Chase Bank App that I schedule on. I still have all the composition books I used during the last few years. I am simply asking for the data ( of when Chase received by " checks '' over their database ) to be corrected on my records. Instead, it reflects the date when the checks cleared the bank.
Consumer complaint received 2022-04-22
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: EQUIFAX, INC. (NJ)

Im accordance with the Fair Credit Reporting Act XXXX XXXX Account- # XXXX has violated my rights. 

15 U.S.C. 1681 section 602.A. I have the right to privacy 15 U.S.C. 1681 Section 604.A. section 2 It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 166b A Creditor : May not treat a payment on an open end consumer credit plan as a late for any reason.
Consumer complaint received 2019-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP (WA)

1. On XX/XX/XXXX I received a new XXXX card issued by Elan Financial services and immediately upon receipt called the number on the sticker ( XXXX ) to activate the new card. I have the records from my phone company ( XXXX ) confirming that the call was made to that exact number at XXXX on XX/XX/XXXX. 
2. Having dialed the number, I was transferred to a human operator who began by asking questions, allegedly to verify my identity. I ended up providing my credit card details, my name, my address and the phone number to that individual. 
3. This individual then requested that I should agree to a promotional deal whereby I would be paying a fixed amount ( {$24.00} ) for ID protection services and explained that only upon my consent to this deal would he activate my credit card. 
4. After a few minutes, I realized that I had fallen victim to a fraud and recorded a portion of the conversation on a portable tape recorder. This recording is still in my possession. 
5. I requested that all of my personal data be erased from their systems, at which time the call dropped. 
6. Subsequently, I called Elan using the number on the back of my credit card and requested that the card be cancelled and that the new one be issued. 
7. I also filed a security report, which was confirmed by XXXX, employee ID # XXXX. 
8. Following my conversation with Elan, I did some research and found that I was not the first victim of the aforementioned scam and that a similar report had already been filed by another customer in XXXX. See XXXX XXXX XXXXXXXX. 
9. While the exact mechanics of how an outgoing call could have been spoofed are not clear, one option that could explain it is that your call center IP hub was hacked. 
10. Let me emphasize that what happened to me could turn into a wide-scale security breach for Elan and potentially other financial institutions as well. 
11. Sadly, after speaking with Elan employees I got the impression that neither of them fully comprehended the gravity of the problem and its potential implications. 
12. I expect Elan to investigate this incident fully and report the results to the public. Should such action not be taken, I reserve the right to report this incident to the Department of Financial Institutions in my state and/or to the media.
Consumer complaint received 2022-04-22
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: JPMORGAN CHASE & CO. (FL)

My credit cards were used to make expensive purchases using my name and established credit. I have disputed these charges with my creditor to no avail. 
The amounts are approximately $ XXXX. 
I am being held responsible for repayment of the charges which is creating a great hardship on me and Im not sure why my creditor allowed the amounts to go undetected to the extreme over my credit limit.
Consumer complaint received 2022-08-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NC)

I understand that the CFPB is limited to what they can do about the Banks engaging in violations of CFR regulating the banking industry and knowingly participating in the violation of the provisions of Chapter 63 " Bank and wire fraud, Chapter 77 '' abuse of the law and legal process '', Chapter 95 and 96 " money laundering and violating the RICO Act '', all of the United States Criminal Codes against the citizens because we are XXXX people. 

Wells Fargo and I suppose to be in Mediation. I have tried to get the signature pages that purport that I sold XXXX XXXX XXXX, XXXX from Wells Fargo. I have also complained that Wells Fargo opened many accounts in my name misusing my signature, basically you open a checking account, so you think, and that turn into 3 or 4 open accounts. with the multiple accounts opened that you are not clear of, they can move your money around causing that {$35.00} NFS charge. I once deposited {$100.00} in my account. The same day I purchased a loaf of bread. That loaf of bread cost me about {$38.00}. It was {$3.00} for the brad and {$35.00} to Wells Fargo as they put the money in one of the accounts that you did not know about or was not clear of. This was done with the very same debit card that I used to deposit the {$100.00}. 

Wells Fargo has sent me over 200 pages related to the bank accounts opened in my name but they still refuse to send me the signature pages that purport that I sold XXXX XXXX XXXX in XXXX. I did not sale that house, it was conveyed with a fraudulent deed or an artifice as detailed in 18 USC 1021 and Chapter 63 of the US Codes. Wells Fargo Know and or knew this and facilitated the criminal acts to receive a blind eye form NC as Wells Fargo in short help the NC Court Officer 's steal equity out of the property belonging to the XXXX community violating 18 USC 241-241 with the promise of impunity.

I have had many conversations about the unwanted accounts but none about the sale of XXXX XXXX XXXX To be clear, I have talked hours about the unwanted accounts with Wells Fargo and about 5 minutes about the theft of my home. I have received about 200 documents about the unwanted accounts and 0 pages on the theft of my home. 

Wells frgo seem to want to address the small issue where I lost maybe {$500.00} at most but refuse to engage in mediation where I lost {$380000.00} ( the value of XXXX XXXX XXXX ) I plan on filing a Complaint with the US District Court, the XXXX XXXX XXXX NC if we can not resolve this. Wells Fargo can just give me back the {$380000.00} pursuant to 18 USC 1964 ( c ), three fold.

Wells Fargo is playing mind games causing and perpetuating psychological, financial and emotional injury.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc (OH)

Over a year ago XXXX gave a routine background check to my Employer of almost two years, XXXX. The report was incorrect and got me immediately terminated. For over a year they would not give me a copy of this report until the CFPB stepped in and I got it. 

The report was incorrect, I disputed it, it was corrected and sent to me. Problem I'm having is they're telling me I have to get XXXX to request a new report for this information. XXXX under no circumstances will do that, not to mention it's their responsibility it's Checkr 's. Checkr not only never informed XXXX I disputed the report, they're refusing ( XXXX XXXX to furnish them a corrected report, so I am at this point still unable to work over a mistake that's been corrected. 

I'm sorry to bother you guys with this again, even though it is a separate issue, they just don't do anything unless the CFPB is involved and I shouldn't be barred from employment because of a mistake. I also think they've known this was a mistake for over a year and that's why they never furnished a copy.
Consumer complaint received 2022-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (TX)

On XX/XX/2022 I noticed an authorized transaction in the amount of {$1400.00} with check number XXXX in my bank account. I called my bank to immediately dispute the transaction. Upon receiving my complaints and request by my bank, account was closed as it was being compromised for fraudulent transaction. 

To my greatest surprise, i received a letter dated XX/XX/2022 from TRS recovery services for collection of debt on behalf of XXXX XXXX that i never owed.
Consumer complaint received 2020-04-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

XXXX XXXX XXXX had 2 Capital One accounts. They failed to communicate with me to settle these accounts. They didn't answer phone calls, emails or calls. Capital One did not either. I have been trying to resolve since 2016. This is unprofessional and unethical. Being reported by Capital One in collections all this time and none of these business will communicate. Very wrong. I demand this be fixed.
Consumer complaint received 2022-04-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (VA)

I have received two letters from " Revco Solutions , Inc. XXXX XXXX XXXX XXXX OH XXXX '' for faulty or fake debt that the company claims I owe XXXX for electric services to an apartment I lived in XXXX years ago ; however, I check my XXXX account which, I closed out in XX/XX/2020 in full, and XXXX indicates I did not owe them anything and no longer have an account with them.
Consumer complaint received 2022-08-14
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)

I sent letters out on XXXX XXXX XXXX XXXX XXXX XXXX to Equifax, XXXX, XXXX. But still no response from Bureaus nor anything by mail showing verification of accounts. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish my account without written instructions. 
please provide me with the accuracy of my accounts as this unlawful and hindering my report or I will sue the following bureaus.
Consumer complaint received 2022-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (IL)

On XX/XX/2021, Citi authorized XXXX transactions on my account to a store named XXXX by XXXX XXXX. 

The first transaction totaling {$14000.00} happened at XXXX and the second transaction of {$4400.00} happened at XXXX. 

I filed two disputes the next morning and at that time, Citi closed that account and opened a new one with a new credit card associated to it. I reached out to Citi 's help center and they asked if I called in to allow for charges of that amount the day of, which I did not. I've contacted Citi numerous times on the status of the dispute and all they have told me was that they are trying to contact the merchant. 

The merchant is no longer in business and seems to not have been for some time so I'm not sure why " reaching out to the merchant '' is taking so long. If the fraud team did any research into the merchant, they would realize that they don't exist anymore. 

I would also like to mention that on that same night, Citi authorized a payment by phone of {$2400.00} which I did not make, which later bounced. 

I am not able to get any real/concrete information from Citi 's fraud team surrounding their " investigation '' and all they tell me is that if they need more information, they will reach out to me. 

These transactions totaling {$19000.00} are still on my newly opened account with no end in sight.
Consumer complaint received 2019-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I contacted all three credit bureaus concerning my student loans werent delinquent, because they were in forbearance, they shouldve been marked as being late, I contacted student loan who had a wrong email address, since then the problem has been corrected with student loan and showing in good standing with the bureaus, but they refuse to remove the 5 months of not paying on time, when I told them in was in forbearance, it still remains the same causing my account to reflect negatively.
Consumer complaint received 2022-01-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (TX)

I traded cars with XXXX  officially signing the documents on XX/XX/2021. At the time of the deal I sent XXXX  a 10 day payoff from XXXX XXXX XXXX XXXX. The amount to be paid off was {$15000.00}. 

They brought my new car on XX/XX/2021 and picked up my trade in at same time. 

Despite having my car, and my down payment plus, Id assume, Chase Banks payout for the new car, as of XX/XX/XXXX, they still hadnt paid off my car. Since I had a payment due that day I called XXXX  and they said to make the payment ( approximately {$600.00} ) and they would pay the agreed upon amount, then XXXX would realize the overpayment and pay me back the overage. 

So I made the payment.

XXXX  had my old car listed on their website by then. 

By XX/XX/XXXX they still hadnt paid off the car loan. I called them AGAIN and they said it was being done. 

Finally on XX/XX/XXXX, they paid off the loan on my trade in. 

BUT THEY paid off the current loan amount, which by that time, over a month at the time wed signed the contracts and Isd paid the down payment, had accrued additional interest ABOVE the 10 day payoff anf not only that they paid off just the balance, not what was agreed. In other words, I made a payment on a car I no longer owed under good faith that XXXX  commitment to me was to pay off the agreed amount. Instead the my stole my payment. 

Subsequent calls..Ive called XXXX  and been told its the Loan Department Tier 1 who should handle this but Ive run outta time with these clowns. Being on hold for an hour then being hung up onwhat a bunch of shady characters. Youd think theyd be thrilled to have sold the car.
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (PA)

I had an appointment with XXXXXXXX XXXX XXXXXXXX XXXX in XXXX PA in XXXX of XXXX  in which I received no medical service whatsoever and was only given a questionnaire to fill out and told to return in 2 weeks. Upon return for the second appointment, I was asked for {$250.00} CASH payment up front, despite being insured, which I refused to pay and cancelled the appointment. I was not informed until the day I showed up about this request for CASH up front. Several weeks later, I received a bill for {$140.00} for the appointment in which no service was provided and I was only given a questionnaire and sent on my way. I believe this was done out of spite because I refused to pay the {$250.00} surprise cash payment, and I believe this business is guilty of shady nefarious business practices. They didnt mention anything about {$140.00} to hand me a questionnaire until I refused to give them {$250.00} in cash on the spot. In addition, I was fully insured by XXXX at the time and no attempt was made to rectify this with the insurance company on part of the doctors office. I recently started being contacted by I.C. System Inc. debt collections out of XXXX XXXX Minnesota. I called and asked them to please never contact me again and they refused, saying that they would continue to contact me over this supposed debt despite my federal rights.
Consumer complaint received 2019-07-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions (IL)

I previously filed a complaint with CFPB XXXX. However, Rent recovery has shown up on my credit file again, after they agreed to delete this from all 3 credit agencies, and it was deleted. However, it is reporting again on XXXX, please see attachment.
Consumer complaint received 2022-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (FL)

In 2021 my identity and credit was fraudulently used for purchases on my bank credit cards. I have reported this to my creditors and it was investigated as fraud and subsequently not resolved. I am being held responsible for these debts which are substantial and a great hardship for me.
Consumer complaint received 2022-01-11
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)

XXXX is using my identity and saying i owe the 15 USC 1692e I never signed a contract in wet ink with them, true holder must provided original instrument if indebtedness in original form, XXXX has only produced billing statement, which when original opened in 2006, i was XXXX, 15 usc 1637 states, No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of XXXX, deceptive forms ; XXXX is saying the are department of Ed, using their name on form when in fact these are 2 different businesses, there is over 125,000 in alleged fees/on report over 15 years/7years limit, which hold a negative weight on my debt ratio, Equifax, XXXX, XXXX XXXX are updating information without all fact/validity ; i ask that all accounts be removed because alleged contract is cancelled void null, lenders & associates must follow the law ; they have removed some accounts not all ; they are not reporting accurately to all 3 bureaus, because one inaccurate item has caused adverse action and knowingly causing harm to my livelihood, they have been reporting different information on all report i provide documents with total on all, not listing all required informations, i have lost a number of opportunities for growth because these inaccuracy
Consumer complaint received 2019-07-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

I have made past requests to bring clarity and validation on 9 creditor disputes that I believe was related to identity theft. I have since then submitted a police report about my identity theft, dating back to  XX/XX/XXXX of when the police report was filed. 
Since then Equifax, XXXX, and XXXX, have addressed some of the issues with some these disputed creditors according results like CFPB report # XXXX. 

Yet I am still getting targeted and bullied by creditors and collection agencies that have not been able to produce an original wet signature from my own hand to validate these accounts ( this would be my right and protection according to Federal Law, section 609 ). Can you cause them to stop with their bullying since they have failed to comply with my request of validation of these accounts? The issue is still  unaddressed concerning this and it has been since XXXX XXXX, XXXX that there has been no wet signature of my writing to validate the source of these documents. According to our federal governing laws of section 609, I ask that you verify that these accounts have already been deleted from my Equifax, XXXX, and XXXX  Credit Report.. 
Accounts that have not been properly addressed are : Original creditor : XXXX XXXX. with account number : XXXX Current creditor : XXXX XXXX XXXX : XXXX Original creditor : XXXX XXXX XXXX with account number : XXXX XXXX account Number : XXXX Current Owner : XXXX XXXX XXXX If any of these are reported on Equifax, XXXX, and/or XXXX  can you please verify them with a matching original wet signature by my own hand ( this request is backed by Federal Law, of Section 609 )? And since it has been since XX/XX/XXXX, with already no matching wet signature by my own hand, can you according to Federal Law, section 609 have these creditors deleted from all three of these credit bureaus Even If any of these are not reported or are reported on the these three Bureaus, can you have them stop with the bullying and forward this complaint to the Attorney General of the United States Government according to my rights stipulated the Fair Debt Collection Practices Act ( FDCPA ).