davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-31
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: JPMORGAN CHASE & CO. (MI)

I dispute all unverifiable transactions contained in Summary File Disclosure, Consumer ID : XXXX prepared on XXXX/XXXX/XXXX by XXXX XXXX summary disclosure. 

As the Secured Party Creditor, and the holder of the XXXX XXXX interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the XXXX XXXX for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the  debt, including all interest and fees, XXXX. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a  copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a  Certified and True Copy of the original signed agreement or application. 

Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].
Consumer complaint received 2017-10-30
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. (SC)

XXXX XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX Inquiry from XX/XX/XXXX Mail Order Firms XXXX XXXX  Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX Inquiry from XX/XX/XXXX + National Credit Card Cos. 
XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX Inquiry from XXXXXX/XX/XXXX - Automobile Dealers, Old This inquiry could stay on your report until XX/XX/XXXX. 

I DO NOT RECOGNIZE THESE INQUIRIES NOR DID I GIVE ANYONE ELSE PERMISSION TO REVIEW MY CREDIT REPORT ... EQUIFAX IS NOT LISTENING TO ME AND THE CREDITOR ADVISE TO DISPUTE SINCE THEY DID NOT RUN MY CREDIT BUT SOMEONE DID AND I DO N'T RECALL ANYONE ASKING OR OBTAINING MY PERMISSION ...
Consumer complaint received 2020-04-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc. (NJ)

On XX/XX/XXXX around XXXX, I made a transfer for the amount of {$300.00} to a Bank account in XXXX using Remitly. Remitly advised the transfer should have been completed within minutes in this case Friday XX/XX/XXXX at XXXX. On XX/XX/XXXX I checked the status of the transaction and it was still pending. reached out to the company ( Remitly ) but at this time they do not have a customer service number or email working. they had a chat available which I used to address the issue and the CS advised that the transaction was being review by my bank in XXXX and that I should wait for about 12 hours since this is the normal time for a review like this. It is now XXXX XXXX, XX/XX/XXXX and I have not been able to get in contact with Remitly at all. Not through email, phone, or Chat. it is frustrating specially now with was going on now, not being able to obtain answers to an issue like this. Yet, they are ready to to take your money but not to solve the issue!
Consumer complaint received 2017-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OR)

Citi Financial credit card company is refusing to credit my account for payments made for the month of XXXX. I submitted XXXX payment on XXXX XXXX, XXXX. I always call to verify payments went through. When I called, they said it did n't go through, they said I " had never used that account before. '' They would not tell me what account they were talking about or verify what account number they were using. I used an account I have used for years, which has more than adequate money to cover the payment. I resubmitted the payment, by phone, to the customer service representative on XXXX XXXX, XXXX. When I called on XXXX XXXX, XXXX, to verify they had made the payment, again it was not credited. I submitted the XXXX payment again, even though they still would not verify they had transcribed the account number correctly. On XXXX XXXX, when I called again to verify, it was still not credited. I submitted another XXXX  payment. You see, this is a XXXX interest account which will start charging interest if a payment is made late. Again, Citi refused to tell me the account number they were using or if they had miss written the number. Finally, I transferred entire balance to a different card and attempted to close Citi. They keep adding fees & will not close it. I never received a bill, either.
Consumer complaint received 2017-10-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (CA)

There are four (4) separate credit reportings that were opened on XXXX XXXX, 2014 (3 yrs, 9 mos) by XXXX XXXX XXXX XXXX. This is a gross misrepresentation of services received and these debt are not mine. I never received an services at this facility or or by their corporation. This seems to be a case of identity theft or some type of impersonation. I have attached documents to prove my identity.
Consumer complaint received 2017-10-30
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ALLY FINANCIAL INC. (DC)

In XX/XX/XXXX, I purchased a car ( XXXX XXXX XXXX ) with a trade-in of my XXXX XXXX. In XX/XX/XXXX, bills seemed to pill up, as I was not getting a raise for 3 years now, so I had to do what was best for me and my family. I explained to Ally my difficulties. In XX/XX/XXXX I explained to Ally that I could make a payment on XX/XX/XXXX, they agreed to it, but after I made my payment, Ally repossessed my vehicle on XX/XX/XXXX. After a few months, Ally contacted me with the balance due, which I thought was high. A month or two later, XXXX contacted me regarding the Ally account, we made a settlement for {$8000.00}. I made a payment, then maybe 2-3 months later, XXXX XXXX XXXX called, stating they had the Ally account. I first took them to be scammers, based off what they were saying and their manner of speaking, but I found out they were working for Ally. We made a settlement for {$6600.00}, I made bi-weekly payments in the amount of {$150.00}. I received a notice for court, but I did n't understand why, because I was already making payments. The notice stated that my case with Ally had been dismissed and closed. This is when the payments stopped. I noticed Ally on my credit report in XX/XX/XXXX. I have been contacting them since to have it removed. It shows Ally balance due $ 12000+. Attached you will see all I have gone through in trying to pay off this debt and have it removed from my credit report, immediately. Ally 's collection attorney 's have lied to me, forged my signature, and Ally is a huge part of this. XXXX XXXX XXXX requested my paystubs and bank statements ( 2 of each ), my monthly budget, and a statement stating why I would like to settle ( {$2000.00} ). I did this twice this month, already. The first time for {$500.00} and the second time {$2000.00}, neither time has Ally contacted me with an answer. I searched the Better Business Bureau and found similar issues with Ally Financial as well as XXXX XXXX XXXX. I also searched your consumer search and found that Ally was sued for discrimination against XXXX XXXX, XXXX, and XXXX XXXX for overcharging on auto loans, as I believe I was in the beginning to have traded an SUV to get a XXXX XXXX. I was never sent a settlement package in that particular case on discrimination. I would like to have this debt deleted on my credit report. This has been a huge burden on me. I have been chasing Ally, XXXX XXXX XXXX as well as XXXX XXXX XXXX in order to make payment and resolve this matter.
Consumer complaint received 2019-05-12
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: DISCOVER BANK (FL)

Discover personal loan They send me offers then didnt give me the loan base on old information on my credit report Plus XXXX personal loans They offering and make you apply then said Oh we sorry we couldnt approve at this time Like its wrong every one deserves a chance
Consumer complaint received 2017-10-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY (AZ)

XXXX XXXX XXXX XXXX XXXX. 
Contacted me XXXX/XXXX/XXXX from a blocked number stating they had a process server needing to serve me. Directed me to call the the plaintiff directly of the civil compliant. 

Refereed me to XXXX with court case # XXXX XXXX who said the case was being brought up against me by wells fargo, and proceeded to give me more information. 

They are misrepresenting the legal status of a debt, with impersonating attorneys, attorneys staff, or judicial employees, in violation of FDCPA.
Consumer complaint received 2023-02-12
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)

I previously disputed a collection account that was not supposed to be on my credit report. I disputed this info with all three credit bureaus. XXXX and XXXX removed the collection from my report, Equifax did not. The collection was in the amount of XXXX XXXX and was assigned on XX/XX/XXXX. I have attached screenshots of my credit reports from XX/XX/XXXX and XX/XX/XXXX ( via XXXX ) which show the account deleted from XXXX and XXXX, but not Equifax.
Consumer complaint received 2017-10-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (OH)

XXXX XXXX, 2017 XXXX XXXX XXXX who is located at XXXX XXXX XXXX XXXX XXXX, MN XXXX sent me a letter saying i Owed a bill in the amount of {$1000.00} dollars and saying i have 30 days to submit a dispute or we will assume this debit is yours. They have not given me thirty days and it 's already on my credit report. I have also filed a dispute with one of the credit bureaus. I will like to know why they did n't give me my thirty days before putting this on my credit reports. Results i am asking for to be removed from all 3 credit bureaus and also I would like a written letter from  them saying that this account is removed for all three credit Bureaus
Consumer complaint received 2017-10-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

I can not get a copy of the promissory note I signed, the one I received was forged and the amounts were incorrect. I withdrew from XXXX XXXX XXXX and did not get refund. I had my loan rehabilitated after threats from 3rd party XXXX XXXX with XXXX. I have not been able to find out why or where my payments to both XXXX and AED do not add up? I can not get an honest answer or assistance. How long and how much do I owe on a loan for less than {$4000.00} and how many years do I have to keep paying? I was told I would qualify for public service forgiveness and then told I do not qualify? 

Why do I have balance sheets that do not have total payments made? Why do my payments keep changing? How much in fees have been added to my loans? What is forbearance? Who profits from these loans? Why do both of these loans show XXXX XXXX XXXX?
Consumer complaint received 2017-10-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (FL)

I became aware of this collection account while reviewing my credit reports. I have written to Capio Partners LLC to validate these collection accounts as well as their authority to collect on said debt. and have received nothing. I believe my HIPPA rights have been violated as I have never given ANY entity permission to share my personal medical information with a third party.
Consumer complaint received 2017-10-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (FL)

while reviewing my credit report I became aware of collection accounts from Choice Recovery. I have written to this company to validate these alleged debts as well as their authorization to collect on said debts. and have received nothing. I believe my HIPPA rights have been violated as I have given NO ENTITY permission to share my personal medical information with ANY third party.
Consumer complaint received 2017-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NC)

Citibank and their attorneys have repeatedly provided false statements to me and the CFPB concerning Citibank 's access of my credit report. 

In the attached XXXX XXXX letter, Citibank denies accessing my personal credit report. 

In the attached email from XXXX, XXXX confirms Citibank repeatedly accessed my personal credit report. 

Citibank has repeatedly promised to stop sending me credit card offers. 

Citibank continues to send me credit card offers, and does so with the full knowledge that those offers will not be approved by Citibank. 

Citibank wo n't stop bothering me, wo n't stop accessing my credit reports, and wo n't stop sending me false offers of credit. 

I filed a JAMS arbitration case against Citibank to address these issues. Citibank refuses to pay their share of the JAMS ' fees so the case can proceed.
Consumer complaint received 2017-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo has sent a letter stating that we are behind two payments on our mortgage. I have sent letter to them on several occasions to ask what two months are you speaking of.They have sent back information that do not give real dates, they give the dates of the current date, dates in which is current for the last two months. We have receipts for the current months. 
I recently sent a letter on XX/XX/XXXX, XXXX. I have tried to resolve and get true answers. 
I received a letter dated XX/XX/XXXX stating I needed to apply make an application for something, they did not say but wanted income information before XX/XX/XXXX. I assume it 's before they go to foreclose on my home. We have completed this application in the pass and has been turned down on several occasions. I am finding it hard to know the truth and what 's false. I do n't believe they want to help. 

I am seeking the truth, not the program rituals they continue to give us. What is so hard about giving me true dates of missed payments? We were also concerned about the bankruptcy money and how it was applied to the loan. We have yet to see this applied. We question them and have written letter to ask that question. 

Wells Fargo is reporting that we owe {$20000.00}. Two missed payments, late fees of {$3500.00}. We tried to pay the late fee and they sent a check back to us. They would not take the payment. 

Can anyone get answers from them? I have worked on on trying to keep my home.
Consumer complaint received 2020-04-25
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (TN)

Started a title loan Titlemax XXXX, TN All payments were made on or before time, had contacted them on XXXX asking them on the payoff ( {$2300.00} ) and requested that payment would be made XX/XX/2020 Representative responded that it would be ok and no late fees would be incurred, Received notice via mail postmarked XX/XX/2020 of payoff balance through XX/XX/2020 of {$2200.00}. 
Visited XXXX location directly after work to make payoff, Payment was refused and other charges were orally spoken to a sum well over {$2500.00}. There was no resolve in talking with in store representatives. An effort was made to talk with district managers, A call was received back from one of the district managers, but the resolve was the same as in store. payment was offered and still refused. All actions were made on XX/XX/2020 to fulfill the obligation as stated.
Consumer complaint received 2020-04-25
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (CO)

My first unemployment payment was processed on XX/XX/2020. Today is XX/XX/2020 and I still have not received the XXXX from USBank. I have tried to contact them at XXXX multiple times throughout the week. I sat on hold for 4 hours and no one answered. I tried calling at different times during the day and can never talk to someone about a replacement card or what I can do to fix the problem. Since then, I have opted to use direct deposit instead. I have 3 weeks of benefits on that card, estimating to about 1000 .
Consumer complaint received 2020-04-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MS)

While checking out at Home Depot the cashier convinced me to open a a Home Depot credit card and get a {$25.00} bonus. I put one charge on the card. 
On XX/XX/2020, I received my first bill for my one and only charge of {$25.00}. The Account Statement showed payment due date as XX/XX/2020. 
The bill was received 5 days after the their posted due date. 
I immediately paid the purchase balance of {$25.00}. The bill was paid online thru XXXX XXXX  and can be verified. I emailed that their billing was sent 5 days after the past due date advising them of the problem. I received no response. 
I have sent 5 emails regarding this matter over the past 90 days with no response. My last emails in regard to their offering to waiver late fees during covid-19 were answered, but turned down. They keep piling on late fees as I try to resolve this issue. 
If the XXXX bill had been sent out in a timely manner this problem would never have happened. I always pay my bills on time. They are also hurting my credit rating. 
I am XXXX years old and somewhat XXXX and XXXX XXXX. I attempted calling on this matter but was cut off several times, probably because my responses were either too slow or not understood. I tried using their email system with little success. This is having an impact on my credit score, my score has always run in the upper 700 to low 800 range.
Consumer complaint received 2017-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelson and Kennard (CA)

A couple of days after I turned XXXX, I opened my very first bank account in XXXX XXXX XXXX. A week later, I received a notice of levy from my bank that I owe to the XXXX Sheriff 's Department a total of {$7400.00}. I did n't know what that is. I contacted the XXXX Sheriff 's  Department and they said that the Law Offices of Nelson and Kennard have filed a lawsuit against you and put that levy against your account so you need to contact them to know why they put that much money against you. I called that law firm and turns out that they 're a debt collector looking for another person under my social security number. THEY HAVE MY SOCIAL SECURITY NUMBER! I do n't understand. I never had a credit card nor ever had any debts or loans upon me. So there is definitely some sort of fraud going on and my identity is in danger right now!
Consumer complaint received 2017-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the XXXX tracking.My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, XXXX notify creditors XXXX police report XXXX informed the state of Texas. The individual I 've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Consumer complaint received 2017-10-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is charging {$800.00} fees that I have called to get over turned they do not want. They just rip people off. My checking I had with them force my account negative to take out the mortgage payment and charge me a overdraft fee {$35.00} dollars every single month.