davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-16
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. (MD)

Hi, I am making this complaint because there are multiple errors on my credit report I called the XXXX, Equifax, and XXXX but only XXXX was willing to help me over the phone although I mailed the dispute in they claim they did not receive it. Please help me in getting these errors removed and proper communication with these companies. Thanks.
Consumer complaint received 2018-05-28
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. (NY)

this account was never delinquent this's my school loan please removed all late from this account please DEPT OF ED/XXXX  Account Number XXXX Account Type Installment Loan Terms 38 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 120 days Status Updated XX/XX/XXXX Balance {$2000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$56.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, PA  XXXX Ownership Individual Original Creditor - Company Sold-to - Original Amount {$1700.00}  Comments - Payment History XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (SC)

My In-laws give us Vanilla Gift Cards at XXXX and this year when I went to use it, the money had already been used. I discovered that this is a issue with these cards where hackers just guess numbers until they get through. I tried to open a claim with Vanilla and did all the steps to do that only for it to be denied because the transaction was more than 60 days old. I asked how was I supposed to know a transaction had taken place when the card was just hacked but they did not change the denial. {$250.00} was taken from me and if this is a common issue, they either need to honor the claims or not sell a product that can be hacked so easily.
Consumer complaint received 2022-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020, victim was induced into thinking he was sending money to rent an apartment, but instead, the fraudster induced him into sending {$2000.00} through XXXX and defrauded his Chase bank account ending XXXX of {$2000.00} through multiple unauthorized XXXX transfers. 

Chase bank has denied the victim the return of his money.
Consumer complaint received 2022-03-16
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FORD MOTOR CREDIT CO. (AZ)

Received phone call from ( XXXX ) XXXX. Did not answer call. Robo voice left message from Ford Credit to call a different number XXXX. See attachment. I blocked the XXXX phone number after this happened a few days in a row. Then I started getting text messages for the same thing but the text had different number to call XXXX. So I looked up Ford Credit online and called XXXX to ask about this and they said my phone number isnt in their system. They said this sounded like a scam.
Consumer complaint received 2019-02-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

WE ARE GOING TO START A INVESTIGATION ON OUR TOXIC MORTGAGE WE HAVE WITH SELECT PORTFOLIO SERVICING INC. 

UNDER OUR HOMEOWNER BILL OF RIGHTS YOU NEED TO INVESTIGATE THESE VIOLATIONS ON OUR MORTGAGE. 

WHEN YOU COMPLETE YOUR INVESTIGATION ON OUR REQUEST MAIL YOUR COMPLETED INVESTIGATION VIA UNITED STATES POSTAL SERVICE TO OUR HOME ADDRESS XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( A ) 2.  VIOLATION OF CALIFORNIA CIVIL CODE 2923.55 3. VIOLATION OF CALIFORNIA CIVIL CODE 2923.7 4.VIOLATION OF CALIFORNIA CIVIL CODE 2924.9 5. VIOLATION OF CALIFORNIA CIVIL CODE 2924.10.

6. VIOLATION OF CALIFORNIA CIVIL CODE 2923.17 7. VIOLATION OF CALIFORNIA CIVIL CODE 2924.18 8. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( C ) 9. BREACH OF IMPLIED  COVENANT OF GOOD FAITH AND FAIR DEALING 10. VIOLATION OF THE UNFAIR COMPETITION ACT CALIFORNIA BUSINESS & PROFESSIONS CODE 17200, ET SEO 11. NEGLIGENCE XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CA XXXX XXXX *XX/XX/2019 XXXX XXXX * ACCOUNT XXXX
Consumer complaint received 2015-08-16
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (MN)

They have this account listed as a charge off and it was a settlement. My former attorney settled on this account and part of the settlement was my credit was not to have a negative and be cleaned up. The bank is Wells Fargo. This was a credit card that originaly was in dispute for charges that should n't have been on it. My attorney won and settled with Wells. Again this account is settled and is listed on my credit report as a charge off, therefore hurting my credit when it should n't be. This is wrong and needs to be corrected. I do not have the last XXXX digits of this account, it has been closed a long time, but I can give you what is listed on my credit report. XXXX is the account number.
Consumer complaint received 2022-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (OH)

{$13000.00} was deposited to my business account from company called XXXX 
Chase being my bank and XXXX XXXX  being depositor bank. Then the company started withdrawing {$7400.00} XXXX. They tried 4 times but only 3 times went through total of {$22000.00}. 
The bank account that this happened to I didnt use too often. When the company attempted to take out money the fourth time the negative balance caught my eye and I reported the withdrawal as fraud. 
When I called XXXX XXXX, the representative told me that in order to get my money back they had to debit {$13000.00} from my account and send it to the recipient and then refunds the XXXX {$7400.00} back to my account. ( This conversation was recorded ) They debit $ XXXX and gave me temporary credit of {$22.00}. 
The bank ( chase ) opened up a new account for me, but failed to restrict the existing account for farther debits. 
Couple weeks later.Chase debited my bank account for {$22000.00} again and never returned the credit of {$13000.00}. 
So basically I am at the loss of {$35000.00} Chase is not doing anything to get my money back. Their excuse is that the XXXX XXXX gave them correct information about my business and bank account. 
Chase is not even trying to lower my loss to {$22000.00} by crediting $ XXXX back to my account.
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (AZ)

I tried to sign into my bank account on XXXX. I was not able to get in so I called my bank. My pin number, email address, username, phone number and address were changed without my permission. While I was on the phone with my bank, someone transfered {$480.00} from my savings to checking, then {$480.00} from checking to a XXXX account using a debit card I am not familiar with. Their own fraud dept called me asking if I changed my address and I told them I did not. I disputed the transaction immediately. I was informed on XX/XX/18 that my dispute was denied and I was sent an email saying " Our records show that the transaction was initiated from a phone number, IP address, or device linked to you. '' They sent me detailed IP transaction records. Someone else 's phone was used to steal my money.
Consumer complaint received 2022-11-23
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. (GA)

Your company has reported 3 accounts inaccurately after you claim to have verified these accounts. The accounts are showing 60 day late payments after the account was marked paid the month prior. An account can not be 60 days late if it was paid as agreed the month before. I have attached screen shots to prove you did not do a proper investigation of these accounts.
Consumer complaint received 2022-11-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BlockFi Inc (FL)

Blockfi is holding all of my cryptocurrency in my online wallet and will not let me withdraw or transfer any. A message to the help desk has gone unanswered other than a post saying there working on the issue. At this time the are holding my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Armcon Corp (CA)

First knowledge of debt was a hold on my checking account, via a email from chase on the XXXX of XXXX. 
I called Coachella valley collection services in XXXX XXXX ca. The same day to request validation of debt that was 11 plus years old, bank email was my first received notice, and the hold of XXXX $ could not pay bills. At the time verbal request for verification of debt as well as disputing any amounts claimed. I followed up with two mailings certified and return receipt of the same, also requesting cease and desist any collection attempts due to disputing all. I received a renewal of a judgment only with a amount of over 82,000 . They took the XXXX $ on the XXXX of XXXX all after they were served with my dispute and verification notice. I then both written and verbal requested all debits and credits accounting on this dept ever. Telephonic to their attorney XXXX XXXX, and couldn't get it. I haven't even received the original judgment only the renewal. They haven't even received a receipt for the money they took out of my chase account. XXXX . I think thats grand larceny. The renewal judgment is for XXXX $ the letter it came with states XXXX $ with interest of XXXX $ on a claimed debt XXXX $ from a hoa. Judgement date of XX/XX/XXXX. I received no notice or the judgment still.
Consumer complaint received 2018-05-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TX)

I have been having a issue with my mortage company since XX/XX/XXXX. I was out of work due to a illness in my family i took a loa was out a week. During the XXXX of the year my job cuts hours. So in XX/XX/XXXX i applied for a loan modification. I sent in all documents needed. At this time they would not accept any payments from me they would return them They have constantly asked for paystubs i would fax those in within time frame. In XX/XX/XXXX my relationship manager calls me telling me there is a deprecrency in my paystubs they needed more paystubs so i faxed in more. 1st it was {$16.00} then it jumped to {$60.00}. Time and time again i faxed in what they requested. Everytime i called spoke to someone different with different answers. As of today XX/XX/XXXX. My loan modification has still not been approved nor denied..but they will not accept any payments on my account. Now i am over {$6000.00} behind on payments because these people cant get their act together ... i am the one losing out i am losing my home i am losing 9 years of payments all because they can not add cant see i get paid biweekly not weekly. Very disturbing how a large company like this can get away with such a horrible act.
Consumer complaint received 2022-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (GA)

I completed a financial on the platform XXXX. In the account settings, I have my XXXX Chime Bank receive these funds. I know the information is correct because XXXX used that information to receive money to my acct. XXXX wired me my money on XXXX for a total of {$100.00} It is now XXXX. I am attaching some very shady/confusion answer about the Chime system receiving my payment but " can not give me exact information at this time. '' Is this the type of response they give to financial regulators of agencies of the US Federal Government? I sincerely doubt it.
Consumer complaint received 2022-03-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MA)

I closed on a refinance with XXXX XXXX. The amount on my closing disclosure for my monthly payment is {XXXX}. My first statement with them is {XXXX}. It was sold to Flagstar Bank and my first statement from them is {XXXX}. They claim that is the amount they received on the closing disclosures, which is not what I signed to pay. My escrow balance is all of a sudden less as well. XXXX has my balance as {XXXX} and Flagstar has {XXXX} with no payments out.
Consumer complaint received 2021-03-23
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

certificate of deposit account opened with XXXX  XXXX  on XXXX XXXX in the amount of {$25000.00} A withdrawal in the amount of {$24000.00} made on XXXX XXXX leaving a remaining balance of {$1000.00} plus accrued interest. No other withdrawal made only the posting of accrued interest earned, Last update interest posted on XXXX XXXX. 
XXXX XXXX  merged with Capital one bank in 2007. 
I have contacted capital one bank about the status of my account on XXXX XXXX whom informed me that they had no records and only retains CD accounts for a period of 5 years. I was told to contact the New jersey XXXX XXXX XXXX XXXX. A search in the New jersey XXXX XXXX XXXX XXXX revealed no results. 
I contacted FDIC who insures CD accounts and was told to contact this CFPB.I need assistance in finding out what happened to my funds.
Consumer complaint received 2019-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

On XX/XX/2018 I opened a credit card account with HSBC Bank in response to their invitation letter offering {$150.00} Welcome Bonus with a condition as to spend {$500.00} within three months.

Within less than 3 months we already spend required amount using the issued credit card. I spoke to the bank customer services and they told me that you do not have the welcome reward associated.

I think this bank is running some sort of scheme and misguided the customer.

We have been holding the checking account with this bank since more than 15 years.

Issued credit card number is XXXX  - HSBC Bank Credit Card.

We have closed this account.

If need more information we can provide it.
Consumer complaint received 2022-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-01-23
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

I obtained an auto loan with Prestige Financial in XXXX XXXX. My last payment was XXXX XXXX. The vehicle was repossessed XXXX XXXX, and listed as a charge off in XXXX XXXX. Prestige Financial is reporting to XXXX monthly ( oftentimes twice per month ) that I have not paid them on time - as though the late payment just happened. I ignored the reporting initially, thinking surely XXXX is n't treating this as if it 's a new late pay every month ( when it shows as a charge-off back in XXXX ). I was mistaken - Prestige is manipulating dates and amounts owed. This practice of Prestige Financial has lowered my credit score by almost XXXX points. I 've disputed this reporting with XXXX several times throughout XXXX, the correct dates are restored, and no more then 30 days later Prestige picks right up where they left off - even doubling up as though to make up for the month missed while going through dispute. I know for a fact this effects my credit score because it 's the only time my score drops. To date I have disputed this issue four times and the negative reporting immediately reappears. 
My complaint is this - why is XXXX allowing this company to continuously do this? If I submitted a dispute every time Prestige Financial reported a late pay to XXXX I 'd be sending in disputes biweekly, this is unlawful.
Consumer complaint received 2022-11-23
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. (MN)

The following inquiries remain on my credit report after repeatedly filing FTC reports and disputing with Equifax. Equifax has failed to furnish proof these inquiries belong to me. Equifax has failed to act on a filed FTC Report. Equifax has failed to complete a FULL 30 day investigation. The investigation lasts no more than 12 hours. I have filed multiple CFPB reports for the same complaint. No action has been taken.
Consumer complaint received 2016-04-14
Product: Debt collection — Mortgage
Issue: Communication tactics — Threatened to take legal action
Company: BWW Law Group, LLC (MD)

XXXX president XXXX XXXX as attached she admitted to the types of activities that XXXX, XXXX, XXXX XXXX, XXXX are involve IN MD. 
Photoshop BWW LAW FIRM AKA XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. is a MARYLAND State licensed attorney as co-conspirators as attorneys debt collector for Defendant XXXX ' member XXXX fka XXXX as successor to XXXX as trustee FOR ramp XXXX????, XXXX ( assignments from indecomm global services and claim are worthless. 
This is exactly what the XXXX appellate judges said when I listened in on an appeal -- that they had several occasions in which on the same docket, two completely unrelated parties both claimed to be the holder of the original note and both claimed to have the right to foreclose. 
The appearance of apparent " wet ink '' signatures clearly means that the pretenders have graduated to more sophisticated forgeries of documents using the miracles of modern technology. 
The Foreclosure Complaint conceals facts and is deliberately disoriented to sow confusion that at it states the Mortgage
Consumer complaint received 2022-03-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (GA)

Citibank has refused to send me the complete refund for closed account. They used my Federal pay to pay for XXXX fraud. I have requested my money back too many times. Early on I requested my pay, and they refused to send that. Citibank has even taken out fees for fraudulent checks that I did not write. I submitted a dispute, they didn't investigate and denied. I have done a second dispute as of XXXX XX/XX/2022 requested all of my money back now. My pay is still tied up in this scam and Citibank has no right to take my VA pay for this mess. 

Customers pay from the XXXX Treasury is protected from this and the bank knows this. They have already violated the Electronic Transfer Funds Act on numerous occasions. This bank should not have used my Federal pay to fund fraud. Soon this institution will be investigated for their own fraudulent practice. 

They keep pretending they dont recognize me as a customer. Ok Citibank, keep up your shenanigans.
Consumer complaint received 2016-11-28
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NJ)

My late husband got sick in XX/XX/XXXX ( XXXX ) and past in late XX/XX/XXXX. He was the main income provider.. I called and started paperwork to get a home modification and finally got the right paper work in, the was denied because the pool of investors had a cap on loan modifications and was not approving any more. I have a income now and I am on XXXX. XXXX my only income ) but want to start paying to keep my house but do n't know what to do now. Please help
Consumer complaint received 2022-11-23
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$540000.00}, XXXX  XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance XXXX {$0.00}.
Consumer complaint received 2022-11-23
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. (AZ)

Due to identity theft and fraud there are three collection items on my credit report that are having a detrimental effect on my financial and personal well being. To rectify this I have submitted multiple requests to have this data removed and have reason to believe that Equifax did not conduct its obligatory due diligence in investigating these matters ( despite taking more then 30 days on several occasions ) and closed them without reaching a factual based resolution. 
Have been refused credit, opportunities on multiple occasions despite identity theft and fraud being listed on my disputed. Specifically, items resulting from identify theft continue to be reported as collections by Equifax. Clearly Equifax has ignored resolution guidelines set forth in the fcra causing significant personal and financial distress.
Consumer complaint received 2018-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

Account status show delinquent was it was never late. 




XXXX XXXX XXXX. 
Account Number XXXX Account Type Installment Loan Terms 51 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days four times Status Updated XX/XX/XXXX Balance {$13000.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment {$800.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, XXXX   XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount {$31000.00} Comments - Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX