davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I submitted a complaint last XX/XX/2023 and it was closed immediately. I submitted a complain again last XX/XX/2023 and again it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2024-02-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (AZ)

Chase Bank enrolled both my Debit Card from my checking account and my main credit card into a digital wallet for a third party company, XXXX, without first securing my permission. This is different from the XXXX payment service operated by the same company, XXXX XXXX XXXX ( XXXX ). When I signed up for XXXX I had to activate the service and give my consent to do so. With XXXX I was not consulted, Chase just put my cards into the digital wallet and sent me an email saying that if I wanted to remove them I had to do so online or via their mobile app. I did not want Chase to make this move and would have said no if asked. I tried to remove the credit card on the mobile app as directed but was unable to do so. I kept getting error messages. It took me an hour on the phone to remove both items from the digital wallet. 

I believe that Chase violated PCI and PII regulations. My personal information was exposed to a third party company ( XXXX ) without my consent. While I do use XXXX, that pulls funds directly from my checking account. Neither my debit card nor my credit card was shared in this process. It would be hard to credit that the terms and conditions of XXXX would extend to any other entity that XXXX XXXX XXXX would choose to create so I am not sure what their justification is for this action.
Consumer complaint received 2024-02-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (TX)

My XXXX autodrafted payment with Roundpoint Mortgage went up from {$2500.00} I have been paying the entire life of the loan to {$2900.00}. When I saw this I called the company and spoke with someone, they had put an insurance policy in place on my mortgage and added to my escrow but I was not notified of this and I already had insurance coverage in place on the property that I have been paying outside of escrow, again for the entirety of the loan. They called my insurance company to confirm and got the documentation they needed from them and I was told they would credit back that money to my principal which I do see in my activity in my online account and they said the payments would return to their original amounts. That did not occur and my XXXX payment was autodrafted again for the {$2900.00}. I have tried multiple times to call since and can never get a human on the phone to dispute this and at this point having that money just credit back to my loan balance is unacceptable. I'm now out of pocket {$750.00} that I shouldn't have had to pay in addition to what I pay monthly for my homeowners insurance. They again haven't changed the payment back in my account showing for my upcoming XXXX draft, I want someone to handle this immediately!
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I have 2 ATM transactions that I did not make on my debit card, when I submitted the claim, wells fargo denied my claim because " this transaction was made my putting the card into an ATM and using the PIN. '' I understand that, but I did not physical nor otherwise make those transactions. One was done in another city when I was not there. I called and tried to dispute and was denied again. So I requested an escalation and was told my complaint would be submitted and responded to within XXXX to XXXX hours.
Consumer complaint received 2024-02-29
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (IN)

The complaint is against PayPals policies. I processed a XXXX payment to the IRS. ( The IRS uses a third party ) that third party gave me the option to use PayPal. I process the payment to come out of my chase checking. The amount of XXXX was removed from my husbands checking account instead of the account that I requested it to be taken from. When I asked PayPal why they did this they said that it was for security reasons. His account is our back up account on PayPal. Please note also that theres a processing fee in the amount of XXXX. The fee was protocol the account I requested. processing fee was processed through the account that requested, but mistakenly PayPal took the {$26.00} from my husbands account. 
I called PayPal and informed them that they were wrong to post {$26.00} charge to my husbands account. The explained that the did this for security reasons. This will bounce and we will be charged a fee. 
There is a need for PayPal to contact the account holder of a transaction change to allow the account holder to transfer the funds into the backup account and for them to have an explanation as to why they are changing the payment from the account that was initially.
Consumer complaint received 2024-02-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (OH)

MRS BPO , LLC at XXXX XXXX XXXX, XXXX XXXX NJ XXXX has been sending me collection notices in the amount of {$460.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. I've sent a notice sent pursuant to the Fair Debt Collection Practices Act, 15 US Code 1692g that your claim is disputed and validation is requested. I respectfully requested that MRS BPO , LLC provide me with competent evidence that I have any legal obligation to pay them regarding the following account number ( s ) : Creditor Acct # Ending : XXXX, XXXX XXXX # : XXXX I've also attempted to request the following : 1. Agreement with the original creditor that authorizes you to collect on this alleged debt and/or verification that this alleged debt was assigned or sold to you.

2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations in Ohio has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent or Agent of Service. 

What would you like done .... 

I would like them to take this off my credit report and do not try to put it back on my credit report.
Consumer complaint received 2024-02-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (MO)

This is regarding the account : CREDIT COLLECTION SERVICES XXXX XXXX XXXX XXXX, MA XXXX AMOUNT ( XXXX ) : {$380.00} ORIGINAL CREDITOR : PROGRESSIVE INSURANCE COMPANY DATE OPEN : UNKNOWN This is the third attempt requesting verification and documentation of the alleged debt. This account in violation 15 US CODE 1692g. Ive requested that you provide to me verification of this alleged debt. VERIFICATION CONSISTS OF A FORMAL DECLARATION. WHERE YOU SWEAR TO TELL THE TRUTHS OF THE STATEMENTS OF THE FACT OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the correspond-ing local state laws. Please note that I am requesting validation, that is competent evidence bearing my signature, regarding original documents, showing that I have ( or ever had ) some contractual obligation to pay you.
Consumer complaint received 2024-02-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

XX/XX/XXXX Checking account created with {$25.00} opening deposit XX/XX/XXXX ACH Transferred IN {$800.00} XX/XX/XXXX ACH Transferred IN {$700.00} XX/XX/XXXX ACH Transferred XXXX {$20.00} XX/XX/XXXX Online access blocked, called customer service and was referred to Fraud Prevention Department . Representative from Fraud Prevention Department verified my identity and promised access would be restored in less than XXXX hours. 
XXXX Vacation XX/XX/XXXX Account still blocked. Called in and was told account referred for closure on XX/XX/XXXX, can not access remaining balance for up to 60 days after account is officially closed. 

Account was closed without warning and without a valid reason and that XXXX delay in access to my deposited funds is causing financial hardship.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

Toyota Motor Credit Account XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX This creditor violated my rights under US1681 Section602 states I have the right to privacy. 15 USC1681 Section 604 ( a ) section 2 a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card under open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CORELOGIC INC ()

I am writing to formally request the freezing of my account 's. Due to inaccurate information in my credit report, I believe it is in my best interest to temporarily freeze the account until the matter is resolved. 
I kindly request the Consumer Financial Protection Bureau 's assistance in facilitating this freeze and ensuring the necessary steps are taken to protect my financial security.
Consumer complaint received 2024-02-29
Product: Credit reporting 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. (IN)

JPMCB CARD SERVICE XX/XX/2023 XXXXXXXX XXXX XXXX XXXX At the time these inquiries were filed a report, a missing/stone card report was filled with my bank. I am requesting that this information is removed because this was an unauthorized transaction and identity theft.
Consumer complaint received 2023-05-11
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. (SC)

I was a victim of identity theft once more, and I'm requesting once more to have the data arising from that identity theft removed from my credit report. Credit Bureaus are obligated to remove any goods in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ) no later than 4 business days following the receipt. Additionally, I have my questions regarding the accuracy of some of the information provided on some topics because it is UNKNOWN to me and REMOVED from other agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PNC Bank N.A. (NJ)

Fraudulent credit card was opened and charged up to XXXX that I never received used or entered into a card member agreement for an account o be opened on my name with pnc bank. This account is fraud and I plan to escalate this matter to court if needed. Account number XXXX
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2017-10-08
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (IA)

1. Changed CD interest payment dates in the past from 15th to 14th, in order to short change us in the upcoming payment. 

2. Made my husband look like, he owns XXXX XXXX XXXX. 

3. There are two CD maturity dates, CPO 360 insists the wrong date is the right one. 

4. Falsified records and changed the rule whenever they wanted. 

5. My website does n't look like bank website. 

There are a lot more, but I will let my report speaks for itself.
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2024-02-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (IL)

I was notified that this company is attempting to collect regarding an alleged debt. I need additional information in order to verify that this account belongs to me or they have me confused with a different person and/or this is a fraud situation. I have asked for the below with no response. 
I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt.

4. Dates of original debt.

5. The address of where the said debt was owed.

6. Proof of the attempt to inform me in writing of my debt.

You must cease attempting to collect this alleged debt until after they have provided the requested information. This includes reporting it to the credit bureau.

If they continue attempting to collect on this debt or reporting the debt to all 3 collection bureaus without first providing written verification, they will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.

At the present moment I am homeless because I can't sign a lease where I need to work and I had a hard time with getting a job because they are reporting this to all three credit bureaus. It's already difficult to get a job as a XXXX person. According to the new CFPB rule ( see attached ) they must stop reporting because they didnt do the original due diligence at the beginning of their attempt to collect. They will need to show proof of how they contacted me. 
NOTE : I am XXXX  and can only be contacted via email or letter at a c/o address ( I do not live there ).
Consumer complaint received 2024-02-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (CA)

I am writing to dispute the accuracy of a collection account on my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other relevant consumer credit laws, including 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ). I am requesting that you investigate the following account and, if found to be inaccurate, remove it from my credit report in accordance with the FCRA. 

Creditor Name : CCS Collections Date of First Delinquency : XX/XX/XXXX Amount : {$98.00} Creditor Name : CCS Collections Date of First Delinquency : XX/XX/XXXX Amount : {$64.00}
Consumer complaint received 2020-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.