davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-12
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: JPMORGAN CHASE & CO. (FL)

Somehow my credit card number was stolen and fraudulent charges appeared on my statement. I contacted Chase to report the fraud, they " investigated '' and sent me a letter stating that I " received value '' from the charges and they denied my fraud claim. I called them back and asked for the proof because I certainly did not make the charges, authorize the charges, or receive anything. They sent me the response from the vendor, XXXX, that shows they shipped four ( 4 ) snow blowers to XXXX Florida and it was signed for by " XXXX ''. My name is not XXXX, I do not live in XXXX and I certainly have no reason to buy four identical snow blowers. I live in Florida ( XXXX, FL ), and it doesn't snow here ... 

This is clearly fraud, but Chase will not refund my money. The Chase account number in question is XXXX XXXX XXXX XXXX. The three charges were placed on XX/XX/XXXX ( {$270.00} ),  XX/XX/XXXX ( {$270.00} ) and XX/XX/XXXX ( {$540.00} ). 

Can you help me?
Consumer complaint received 2017-08-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (GA)

My hardship started in   XXXX   2015 when my income decrease 50 % on top of that my wife lost her job. My income is getting better but I need assistance to bring my mortgage current, please help me to keep my home. Thank you
Consumer complaint received 2018-07-12
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: JPMORGAN CHASE & CO. (IL)

I have spoke to XXXX about my inquires back in XXXX. I still havent had them removed. I spoke with them in XXXX, XXXX, and XXXX and they are still there. The creditors that put the inquires out there have sent several letters to XXXX   as well. The inquiries that need to be removed are the 5 J.p. morgan Chase inquires from : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 1 inquiry from XXXX on : XX/XX/XXXX XXXX inquiry from XXXX on XX/XX/XXXX XXXX inquiry from XXXX/XXXX on XX/XX/XXXX 1 inquiry from XXXX XXXX on XX/XX/XXXX I have already sent over documentation stating that I did not make these inquires.
Consumer complaint received 2020-08-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CT)

I was sold counterfeit coins by a XXXX company that operated under several names and was advertized on XXXX and the money was taken in by paypal. I will include police reports and an IC3 form detailing the dollar amounts. PayPal at first offered me a system by which I could get a refund and refunded one of the shipments and then led me on a wild goosechase through there messaging system ( which they said was the only way they could be contacted, so i was never able to talk to a real person although I requested this multiple times. They said they would do it, but then refused. They wanted me to ship the coins back to the counterfeiters at my own expense and wait for a refund from counterfeiters. I refused to do this as it is against the law and two of the coins if real had a {$40000.00} plus value. In addition although I was in contact with paypal daily, reported this to XXXX which was running the ads, the police department, the FBI and the Secret Service, they are still running the ads and operating the same scam.
Consumer complaint received 2020-08-30
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$780.00}, {$130.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$780.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$130.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2018-07-12
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (FL)

They are many account open under my name and the account were transfer to one account, I been trying to delete all the repeat it account from credit report and leave the one that is open and current.
Consumer complaint received 2021-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (WI)

This IS Cellular account was an ex boyfriend whom owned the account. I was not account holder. I have always used prepaid services. This account is from 2012. And just popped onto my credit. It was removed once a couple years ago and came back now. I do not feel I owe this money as it was not my account.
Consumer complaint received 2021-02-22
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. (VA)

I had tied automatic payment to a savings account and failed to timely transfer funds. When I discovered the issue on XX/XX/XXXX, I immediately transferred funds ( {$24000.00} ) from my checking account directly to Citibank that same day, as XXXX literally just confirmed to a manager at Citibank ( XXXX from Florida was all the information the Citibank manager was willing to provide ) with me on the line. Despite immediate receipt of funds, Citibank only removed the hold after I called twice to complain. 

Citibank number XXXX XXXX XXXX XXXX. XXXX checking number XXXX. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-11-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC (CO)

XXXX approved an online application XX/XX/2020 in my name. The application was filed in my name with my banking information/savings account. A lump sum of {$1200.00} was electronically deposited to XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2020. This savings account is rarely used so I thought the deposited seemed suspicious. Upon further review from the credit union, they determined the funds were deposited and the money be reversed and sent back to XXXX. 

I never applied for any loan ( s ) with this company. I was encouraged to file an identity theft report. I then filed and FTC complaint, several XXXX  complaints/responses, and a report with the Attorney General of Wisconsin. 

I am terrified about this mysterious deposit because this account is my savings account, not a checking account. I did not apply for this loan and XXXX is refusing to address my concerns regarding quality assurance and loan verification processes. I asked XXXX for specific information via e-mail and by phone. Instead XXXX communicated with me via the XXXX of Wisconsin saying the loan was valid and legal. XXXX is ignoring the fact that the loan was fraudulent and someone else applied for the loan to phish from my banking account and then leave me on the hook for a loan@ 794.95 % ( {$8000.00} USD ). XXXX says the online application was approved on XXXX. I don't understand how they verified if this loan could be paid back. All financial institutions require employment verification, pay stubs, references, and pay frequency. None of this information could have been supplied upon XXXX loan approval. I had absolutely no knowledge of the XXXX loan or terms until they forwarded the online application to the XXXX. I have copies of my police report, FTC report number, and the XXXX correspondence sent to the XXXX  if the documentation is required. Throughout my complaint processes leading up to filing this report, XXXX has replied to me as if I applied for the loan not as a victim. 

I am exposed and I have no protection of my information and how it is being used. I am a victim of identity theft, phishing, and I am being locked out of my email accounts etc. These are scamming attempts to take what I don't have and XXXX is aiding this process. I am extremely unhappy and I need answers. I want to take XXXX to court, press charges, and any other legal actions I can take against them. XXXX 's response to my complaint resulted in no further action because they are claiming immune from legalities because of " XXXX affiliation '. I understand they may be immune to consumers who actually applied, which I did not. XXXX is not taking my matter seriously and I am sure this is happening to others. I am a victim of this pandemic resulting in significant loss of income and suffering as many American 's are.
Consumer complaint received 2020-05-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NV)

The bank helped me and fixed the problem right away. I want to place a fraud alert with consumer finance because of the right I have for the 7 years when someone pretended to be me and charged my debit card. Also, its been several times in the last few years that my account has been hacked. This is very frustrating to me. Im hoping the fraud alert for the next 7 years would help.
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL (WA)

Someone open and account in my name charged the max and then never paid. 

The account was opened XX/XX/XXXX by SYNCB/PPC the credit limit is {$3000.00} the high balance was {$3200.00} says the last payment made was XX/XX/XXXX
Consumer complaint received 2020-11-16
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-08-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the Equifax data breach and may have  got into the hands of the wrong person.
Consumer complaint received 2021-03-25
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. (FL)

I am writing to you regarding fake inquiries I have in my credit report. I have never gave any company any permission on these inquires. They are not mine. PLEASE REMOVE THEM ASAP! I have tried to contact these companies on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. The companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have NO record of me?
Consumer complaint received 2020-11-16
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. (OK)

I have a fraudulently account reporting to my credit by XXXX XXXX XXXX. I have submitted the FTC paperwork and my CFPB complaint to all three credit reporting companies. The only company that did a proper investigation was XXXX. Which deleted this fraudulently account from my credit report. Equifax and XXXX XXXX didn't respond to my paperwork, nor did they do a proper validation. 

This account has fraudulent charges that were added to it and I have provided all of the proper documentation but the only company taking it seriously was XXXX.
Consumer complaint received 2020-07-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC. (OR)

Through most of XXXX my XXXX  ( XXXX XXXX XXXX, registered in Delaware ) had a checking and savings account with Axos bank. The account was closed at the end of XXXX or beginning of XXXX and now I can no longer access the records online. 

I have been trying to get my XXXX, XXXX, and XXXX bank statements from Axos bank for a few months now and they wont send them. I need them for an impending financial audit which is critical to my business. 

On XXXX XXXX, I first called their customer service line ( XXXX ) and requested they send me my account statements in digital form for all of XXXX, XXXX, and XXXX for by business savings and checking accounts associated with XXXX XXXX XXXX. I was assured by their staff that it would be sent within a few business days in electronic form. I called again on XX/XX/XXXX and XXXX and both times was assured they would be sent electronically. Since then, I have also sent repeated messages via the secure message portal associated with the account. In each case I received a message assuring me the statements were on the way. In one case, someone said they had sent paper version but as I am not home and requested digital, these is of no help. 

I also sent the attached letter, which received no reply. 

To this date I have not received my statements and don't know what else to do.
Consumer complaint received 2020-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (TX)

I had a Citi Double Cash credit card with a credit limit of {$13000.00} which I was the card holder for about 10 years, I used the cash promotion offer last year and paid off the entire balance at the end of the promotion, Citi decreased my credit limit to {$460.00} from a {$13000.00}, I immediately contacted Citi and cancel my account. I have never had any credit limit decrease by any credit card I currently hold with XXXX, XXXX and XXXX. I want the consumer to know how Citi Bank business practices and treat the hard work consumers whose paying their bills.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo Dealer Services is improperly and impermissibly reporting an account to the XXXX, XXXX  and XXXX  consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.
Consumer complaint received 2017-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (CA)

I made a purchase at Best Buy using my Best Buy Card and accepted their promotion to receive 0 % interest for 12 months. What they do not make clear, is that NONE of your payments will be allocated to this promotional balance, but instead they go to your revolving line of credit. This is a very deceitful and underhanded way of treating this " promotion '' ( SCAM, more like ), and it has just caused me to be hit with a {$280.00} interest charge. And that 's not to mention another one of these scams that I would guess cost me previously, as I did not discover this until just now. I have contacted their credit management team, spoke to a rep named XXXX, and she offered to " allow me to pay off the remaining balance of the promotional credit '' and have the charge reversed. Well, that is not OK, because I was already under the impression that I HAD been paying this off, and I did n't have an extra $ 400+ to pay right now. Utterly scandalous cash grab by a large corporation ( Citi ) against the consumer, and I will likely never get an acceptable resolution. I understand that credit card companies like Citi have the cards stacked in their favor, lawyers and accountants scheming clever ways to mislead their customers, and I am sure this will all be deemed acceptable in the end. However, when I am acting in good faith and making monthly payments, an EXPIRING promotional balance should be the FIRST to have my payments allocated to it - NOT the revolving line of credit. Here I was thinking I am getting a " deal '', only to wind up being deceived and overcharged in the end. I will be striving to close this account and allow Citi to receive as little more money as possible from me. This will also affect how often I shop at Best Buy in the future. Very disappointing.
Consumer complaint received 2020-05-13
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. (NC)

XXXX is reporting I have an account with them and I have never had an account with them. 

XXXX XXXX has an account on my credit and I have never had an account with them. 

JPMCB Card has an account on my credit and I have never had an account with them.
Consumer complaint received 2018-07-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (TX)

i cancelled my service after my one year term, the XXXX phone company continued to try to charge me for services. i had already moved my service to a different carrier, and after about 4 months they continued to try to collect money that they say i owed, after a while i couldnt believe that they now say i owe over 900.00 for a phone bill. i have tried many times to reason with them, but now the collection agency continues to harrass me, and threaten me with law suites, etc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX  ( XXXX  ) XXXX
Consumer complaint received 2018-07-07
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. (CA)

I have contacted XXXX various times between XX/XX/XXXX and presently. 
There are various hard inquirer 's on my credit report, and the ones listed below I don't recognize nor did I authorize any of them. I have filed disputes, and attempted to contact customer service from both the hard inquirers and XXXX themselves and each time they did not offer to resolve the problem. 

Below are the names and dates of the hard inquires I have disputed and am currently wishing to challenge as these were not authorized by me and I did not initiate any such applications or granXXXX any permission to these companies to run my credit. 

Hard Inquiries on XXXX report .... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard inquiries from Equifax report .... 

XXXX XXXX XXXX Various XXXX XXXX inquires between XXXX all through XXXX showing up 5 times precisely on my report.
Consumer complaint received 2020-08-27
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. (TX)

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 FM XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX GROVES, TX XXXX SINGLE FAMILY XXXX XXXX XXXX GROVES, TX XXXX SINGLE FAMILY XXXX XXXX XXXX GROVES, TX XXXX SINGLE FAMILY XXXX FM XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Year all not mine FIVEPOINT CREDIT UNION XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$14000.00} written off. {$3000.00} past due as of XX/XX/XXXX. 
Account TypeSecured Loan Balance {$3000.00} Date XXXX Dispute MOUNTAIN RUN SOLUTIONS L XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account TypeDebt Buyer Balance {$360.00} Date XXXX Dispute SANTANDER CONSUMER XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$36000.00} written off. {$40000.00} past due as of XX/XX/XXXX. 
Account TypeAuto Loan Balance {$40000.00} Date XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$360.00} past due as of XX/XX/XXXX. 
Account XXXX XXXX XXXX {$360.00} Date XXXX Dispute