davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
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. (MS)

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 2021-04-22
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: CORELOGIC INC (NY)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX  inquired XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 CREDCO XX/XX/2020 XXXX XXXX XXXX XXXX XX/XX/2020
Consumer complaint received 2017-10-27
Product: Credit card or prepaid card — Store credit 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. (NY)

I paid my Macys credit card bill in full on XX/XX/XXXX. I did not personally make any charges, either online or in person, between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I received a statement in the mail from Macys showing and outstanding balance due of {$1100.00}. These charges were made in XX/XX/XXXX, in XXXX XXXX XXXX and XXXX, NJ. Both of those locations are 3 + hours away from my home. Neither my husband nor I were in XXXX or XXXX, NJ on the dates that these charges were made, nor did we make ANY charges to our Macys account in XX/XX/XXXX. I have the actual, physical credit card still in my possession, so someone stole the NUMBER and not the CARD itself. On XX/XX/XXXX, I called Macys and CANCELLED THE ACCOUNT and requested a Statement of Fraud affidavit, which they said they would send via email. I then learned that additional fraudulent charges had been made between the statement closing date of XX/XX/XXXX and XX/XX/XXXX. The total amount of fraudulent charges made against my account before I closed it was : {$2100.00}. I have made a report to the New York State Police, and also filed a fraud / identity theft affidavit with the Federal Trade Commission. I am writing to the card issuer, XXXX XXXX XXXX XXXX, to dispute the charges as well.
Consumer complaint received 2020-04-25
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: HW Holding, Inc (VA)

Date XX/XX/XXXX, amount {$670.00}. The XXXX at XXXX XXXX was greedy and expected me to pay more. Based on the contract, the XXXX Landlords duty did not complied with the building and housing codes. The mechanical room came out somethings has damaged the carpet. See the picture XX/XX/XXXX. The water of the old plumbing system was very dirty, and not sanitized. See the picture XX/XX/XXXX. These unsafe conditions were affected my health and made me sick. I had to suffer to stay there for 3 years. The XXXX Landlord knew these serious conditions and pretended to do the renovation. The XXXX Landlord sent the threatening letter and forced me to pay more or move out with a short notice dated XX/XX/XXXX. The XXXX Landlord forced me to move out for their repair on XX/XX/XXXX.
Consumer complaint received 2017-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have mailed several written requests to the credit reporting agency to remove all of the listed places of employment from my file. The information provided is incorrect. I have never worked for the XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX or any of the other companies listed in my report. The credit agency has failed to honor my request and remove this false information from my reports. It is causing issues for me when I go thru security screenings. I am asked very often to verify time period for places of employment that I have never worked. The credit agency needs to remove this erroneous information as soon as possible.
Consumer complaint received 2017-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (FL)

They sent me credit card with XXXX credit limt i put XXXX on card tried to use couole days later and card locked I haved called 4 times spent hours on phone kept saying it would be unlocked next day went through that 3 calls and they said i had to talk to fraud department and i did they said they had to call me back to prove my idenity they said they would call in XXXX hours no call i called them again told me same thing still waiting for call been XXXX weeks nothing still locked. Please Help
Consumer complaint received 2017-10-27
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. (KY)

I had a vehicle purchased through XXXX and had an accident in XXXX of XXXX. The vehicle was damaged beyond repair and the insurance arm of XXXX made payment to XXXX bank for the vehicle. Fast forward XXXX years, I have been accepted for other forms of financing, and was applying for a small business loan and in XXXX XXXX there is a charge off on my credit report from XXXX. They had sent the account to XXXX and as soon as I was made aware, I challenged the account because I had no idea it existed. When they told me it was from that same vehicle and I owed {$3900.00} and some change, I paid the account in full. 

I then contacted XXXX to make them aware that they are supposed to notify me that I had a missed payment, or even that a payment was due. They did not. They keep telling me they have records of the attempts to notify me, but I have n't moved and my address has been the same. 

As soon as I was made aware of the debt I promptly paid within a short amount of days. Had I been made aware of the debt, more than 2 years earlier, I would have done the exact same thing and paid.
Consumer complaint received 2017-10-27
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Activehours (TX)

Active Hours said it would take up to 3 days to verify my bank account, and it 's been a week now. They deposited XXXX small amounts into my account to verify it is a real account, and still it is unverified, and I 'm also pretty sure the amounts have already been withdrawn by now, so it should have finished verifying process.
Consumer complaint received 2017-10-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLD KEY CREDIT, INC. (FL)

Date of alleged collection payment : XXXX To whom it XXXX concern : I am filling a complaint against Gold Key Credit , Inc. Florida because I just cant seem to get any information or validation of a collection for XXXX they say I have from XXXX. Not only have they not answered my certified registered mail to them, they have still failed to provide me with the verification of the collection payment of XXXX from XXXX, they say I had. I received a computer-generated invoice telling how much is due. The date in question I was in XXXX, Florida working, not sure how I can be in XXXX places at XXXX time. 

On XXXX XXXX, XXXX I sent registered certified letters to XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX, FL XXXX. I have attached letter and copy of certified receipt. I called many time only to be disconnected after waiting for long periods of time. When I have gotten through which was only once, they were rude and told me just to pay it. Not giving me any information to why. 

I also sent information to all three credit bureaus. I have attached letters and copies of certified receipts for XXXX XXXX, XXXX - XXXX XXXX, XXXX - XXXX XXXX, XXXX. XXXX XXXX only because XXXX and XXXX have deleted ). 

XXXX XXXX and XXXX looked at all the information I sent to them and deleted it from my credit report, however XXXX has not been so for coming. After suppling information about the company not being licensed for Florida via the Florida XXXX XXXX XXXX XXXX XXXX copy enclosed ), still nothing has been resolved and I have received no information to state otherwise. XXXX Credit Bureaus only indicate that they have spoken with and validated information to be true. Yet I still have not received any evidence to prove that fact. 

Not only have I been turned down for multiply credit opportunities because of the erroneous information. I am still not able to get them to even respond to me with information on the collection they say is actual. I am hoping you will be able to help me get the information I need. As well as getting this erroneous information deleted from my credit report. Like I said above I have attached copies of letters with certified registered receipts for both Gold Key and the XXXX XXXX. I am hoping to get to the bottom of this soon it has been going on for over a year now and I cant seem to get help from anyone. 

Thank you ahead of time for all your help.
Consumer complaint received 2017-10-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: POM Recoveries, Inc. (TN)

The debt was charged off in bankruptcy about 3 to 4 years ago. I have been cussed at. They have called my husband 's and my work. Threaten too have us arrested our severed. Told them to contact my lawyer used. I have tried to call them back with the lawyer and bankruptcy information and was threatened and hung up on. Now they are spoofing phone numbers to try and get us to answer.
Consumer complaint received 2017-10-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

Over charged for escrow impounds during loan modification for property taxes and home insurance for years XXXX, XXXX, and XXXX. Attached copy of faxes that I have been trying to send a fax to chase research team for review.
Consumer complaint received 2020-10-08
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI (MA)

Good Morning ; Hi, i actually just finished talking to XXXX at General Revenue Corporation, a debt collector for XXXX XXXX XXXX. They said that they no longer have the debt and they are in the process of removing them from my credit report. She said that by now their company GRC should've already been DELETED from my credit report. However, it's still reporting on my 2 major credit bureaus, XXXX  and XXXX. I been trying to resolve this unknown debt from my credit for over 6 months now, and no one has sent any responses. Finally, i got hold of them on the phone today and she said that she will escalate my complaints so it can be removed soon from my Credit report or profile. Can you please look into this? This process shouldn't take more than 30 days to resolve, but mine has taken more than 6 months and no responses.
Consumer complaint received 2017-10-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I made a payment of {$90.00} through Paypal to an online seller. But I did not receive service as described. I did not ask for a full refund, but the seller refused to partial refund. I opened a dispute on Paypal. But I accidentally closed the case and Paypal did not allow to reopen it. I lost {$90.00}
Consumer complaint received 2017-10-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mendelson Law Firm (MS)

Mendelson Law Firm has threatened to take legal action against me by filing a lawsuit for a debt I " allegedly '' owe a credit card debt. I have asked them to provide LEGAL and VALID proof of the debt. They have NOT provided me with proof that this debt belongs to me. In response to the first validation request, they presented a " Bill of Sale. " The printing of a Bill of Sale does not support adequate documentation or validation. I then requested actual and adequate validation of the debt. I have the legal right to request Validation under Fair Debt Collection Practices Act. They have NOT responded to my request with adequate proof. Not only have they failed to validate, but they have also continued to report this information WITHOUT proof to the Credit Reporting Agencies. Thit is not only Defamation of Character, but a clear VIOLATION of the FDPA, as well as the FDCPA. They have not provided me with any contract between their company and myself. They also have not provided me with a contract between me and the " creditor '' XXXX XXXX XXXX. Seeking payment from me, and requesting that I attend court for a debt that they " claim '' I owe is absurd.
Consumer complaint received 2022-01-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

Fraudulent activity in my bank Chase account using XXXX debit transaction under the name of XXXX XXXX XXXX XXXX Someone has my account information and money on my checking account and withdraw the amount of {$15000.00}!! Which JP Morgan Chase didnt bother to call or email me or to verified such a very large amount! I didnt not approve this or ever heard of this company! This was on XX/XX/2021 and I didnt get a call or an email regarding the large transaction. I only received an email only when I was overdraft XXXX after they tried doing a second fraudulent transaction, this is crazy i never experienced this in my life and its very unprofessional and unreliable on chase bank on their behalf. They didnt even bother to call me to verify this information on my behalf. Now because of carelessness and not being protected of being a chase customer I an currently out of money, I cant pay my bill or rent and even buy food! Now i have to wait 10 business days until this is solve under Chase claims department! On Top of that poor customer service! I got the runaround from stating that I have to change my account number as a replacement account ( if i would like to keep everything the same or open new account ) and I would be able to do it on the phone long story short I was transferred with waited 25 minutes and the fraudulent department told me I would have to do this at a chase bank. After this terrible experience I feel uncomfortable, unsafe, and scared to still be a chase customer. I wouldnt trust them with my money!
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC. (CO)

In XXXX XXXX The city of XXXX XXXX had a major hailstorm that caused damage to many of my possessions, XXXX car was beyond repair and I needed to replace it. When I went to replace it, I found that my credit report had been given negative reports by a bank, Ally. I had had many conversations with this bank, as it is online only, and my daughter had a truck on a loan through them. The bank was impossible to deal with as most of their help did not speak XXXX well. I was never given any alerts or notifications of late payments, but they said XXXX were late. These were paid and I moved the loan to XXXX XXXX to get better service and a better interest rate for my daughter. I also had to replace another car. I managed to get this done with a decent rate and payment. But now over a year later my credit is still the same and nothing has changed and XXXX and XXXX are impossible to deal with, there is absolutely nothing wrong with my credit, I have XXXX issues and my credit uses are well within acceptable levels but these XXXX companies are like XXXX XXXX, as a citizen of America, it should be illegal for them to give a person a rating with no real justification for it, and no deep explanation of the reason, they need to be responsible for their actions and how they affect people. I had to acquire a car through no fault of my own yet I am still paying for it in a less than stellar credit rating by corrupt businesses that can not explain or correct their wrong doings. I am tired of being chained by XXXX companies that are in the business of selling peoples lives - it is XXXX XXXX and the government needs to put an end to it.
Consumer complaint received 2020-04-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (VA)

Issue 1. In an attempt to link my XXXX payroll to my PNC Businesses account authentication mechanism are preventing link from occurring Issue 2. I have to profiles at PNC Bank and only one cell phone. PNC Bank does not allow multiple profiles to be linked to one cell phone. This creates a security vulnerability and non compliance to FFIEC Guidelines on two factor authentication controls for end points because you can only do two factor for one account. thus the only work around is customer have to purchase two phone or use a softphone through XXXX which creates additional vulnerabilities. By not allowing the user to tie all profiles to one cell phone, a threat senior is as follows : attacker could add there attacking 's phone number ( softphone ) and the user would not know because they don't have alerting turned on the second profile. 

A solutions is PNC can allow one phone to be associated with multiple profiles
Consumer complaint received 2022-02-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT Checking or savings account This is the third complaint regarding this matter. Chase Bank is saying that they have attempted to reach me on several occasions, if they have, I am not aware of it, however if chase has attempted to call me with my caller id showing " unidentified number '' or if it does not identify itself when I politely ask " who is calling '' I SIMPLY HANG UP. I AM XXXX YEARS OLD, I LIVE BY MYSELF, I AM TOLD OVER AND OVER NOT TO GIVE PERSONAL INFORMATION OVER THE PHONE, THAT IT IS NOT SAFE, I FOLLOW INSTRUCTION ; I AM A LAW ABIDING CITIZEN. Chase does not identify itself, does not have a human being monitoring their customer inquiries over the telephone, I ignore them. CHASE IS NOT ABOVE THE LAW, CHASE BRANCHES ARE NOT OPEN. When by chance you get a person, this person is from the XXXX, barely speaks English, and sounds as she just got out of grade school ; do you think I will give personal information to that child?
Consumer complaint received 2017-10-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

I have been paying on a {$48000.00} loan since XXXX with a current balance of {$35000.00}. I have paid {$160000.00} with {$150000.00} going just to interest. They tacked on {$29000.00} in capitalized interest over the years. 

I called to tell them that I can not continue to give them a huge chunk of my money that it was unfair that I was not fully informed of what would happen when I deferred payments in the past. I am older, sick and can not work as hard as I was anymore. I do not qualify for any forgiveness options. 

Their option to me was to file yet again for payment deferral. Are they crazy? If it wa n't for deferment this loan would have been paid off a long time ago. 

I was also informed that they will not work with me because my account is in good standing. I feel penalized because I care to protect my credit rating and came to them in good faith before defaulting on this loan. 

I feel so ill and so taken advantage of every month when I make my payment.
Consumer complaint received 2017-10-26
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: DISCOVER BANK (GA)

I do NOT have a signed contract nor any contract with Discover. I have never done business with this company. They failed to provide me with a signed contract that validates them to collect this debt. I am not liable for these collections. I should not be responsible for a debt that I did not do. I am a victim of identity theft and I had to submit a police report and FTC aftidavits the credit bureau for proof that my identity was stolen and these companies are still is saying that I owe them. My next steps will be to get an attorney and sue because they are calling me after a do not call letter had been sent. They are destroying my credit with these false accusation of these accounts. I sent them a letter requesting proof any contracts, signatures, a copy of my id anythings that shows I opened these accounts and all they sent me was a bill which only shows me that someone went shopping.
Consumer complaint received 2020-04-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (PA)

I use XXXX XXXX XXXX on occasions but fight with them to link MY accounts. I have the information and I have the funds being deposited. It helps me throughout the week but is a continuous problem. I have had to redo passwords build new accounts more than necessary because of their continuous blocking. 
I have given my permission and called them to which they say it isn't them. ( XX/XX/XXXX-XX/XX/XXXX )