davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-14
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: CBC Companies, Inc. (CA)

i do not have a XXXX checking account, someone opened a checking account in my name XX/XX/XXXX which was later closed XX/XX/XXXX. The phone number XXXX does not belong to me, the address the account is registered to i do not and have not lived at this address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.
Consumer complaint received 2022-01-20
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. (CO)

Hello, On XX/XX/XXXX my XXXX XXXX cards on my account were stolen from her person as she took her XXXX min walk from the XXXX XXXX in XXXX to her XXXX. I am in XXXX. A number of purchases were made while I was sleeping and she was in class, the were unauthorized fraudulent theft. Early XX/XX/XXXX I called Chase.com to cancel the cards, they had already put a fraud alert on both cards- XXXX ending XXXX and XXXX XXXX ending XXXX. Chase 's Fraud operator was efficient and reassuring, together we went through each fraudulent unauthorized transaction and he confirmed they would be removed within XXXX  hours, he cancelled and expedited new cards now in my possession. XX/XX/XXXX XXXX XXXXXXXX  reported the theft of her wallet and contents to XXXX XXXX Police Department and received an case/incident number. I sent this report with her detailed information in email to Chase.com through the secure message option on my chase.com dashboard, and have continued to email each day for resolution. Today is XX/XX/XXXX. In my communication with chase.com I have included photos of my Chase.com dashboard where I repeat myself to identify all fraudulent unauthorized transactions of XX/XX/XXXX which was first done early XX/XX/XXXX with the chase.com fraud  operator. Initially I received an email reassuring me of the XXXX guarantee to remove these charges. On XX/XX/XXXX the unauthorized charges were in PENDING mode, then XX/XX/XXXX I noticed some of these unauthorized charges were removed and other unauthorized charges moved to my dashboard current statement so PAID. I have tried to call Chase.com many times since XX/XX/XXXX but they do not have an option for 'speak to fraud department XXXX it is not offered. Each day I have written expressing my concern and listing the fraudulent unauthorized charges on my XXXX and XXXX XXXX cards. I receive an endless cycle of auto responses with misinformation of how to speak to someone. This is not acceptable. It is notable that the unauthorized fraudulent now PAID charges are to big corporations, the unauthorized fraudulent charges Chase.com removed were to small vendors, but the big companies unauthorized fraudulent payments have not!! 
Thank you, XXXX
Consumer complaint received 2021-12-14
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: WELLS FARGO & COMPANY (CA)

i do not have a wellsfargo checking account, someone opened a checking account in my name XX/XX/XXXX which was later closed XX/XX/XXXX. The phone number XXXX does not belong to me, the address the account is registered to i do not and have not lived at this address XXXX XXXX XXXX XXXX XXXX ca XXXX.
Consumer complaint received 2021-12-14
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: CBC Companies, Inc. (CA)

There is an account open from XXXX XXXX  in my name which i never opened and i would like deleted from my consumer report and to stop being reported to XXXX. The information linked to this account is a phone number which does not belong to me XXXX and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX which is not my address. This account was opened XX/XX/2017 and was closed XX/XX/2017 and still has not been removed from my consumer report despite it being fraudulently opened without my permission.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$760.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}. 

If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter
Consumer complaint received 2022-11-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I was scammed {$1200.00} on my venmo transaction. 
XX/XX/2022 XXXX app-used couch He was on his way to new place with moving truck and wanted to pick up Emailed received with cashier check ( deposit money for the moving company ) Asked if I can deposit that and keep {$250.00} and send the rest using venmo. 
XX/XX/2022 I deposit the check. 

XX/XX/2022 It showed as if it was posted. 
XX/XX/2022 sent money to @ XXXX {$750.00}, @ XXXX {$500.00} XX/XX/2022 The cashiers check had been returned. 
I called XXXX Bank and asked what had happened. XXXX Bank told me it was an unauthorized check and I stopped the transaction. 
And also sent email to XXXX XX/XX/2022 I received an email from venmo that you guys already sent the money to them. 

XX/XX/2022 XXXX I called the support team spoke to XXXX and also received confirmation email. 
XX/XX/2022 also I evidence was also sent by e-mail to XXXX. 

XX/XX/2022 XXXX I received call from this number XXXX XX/XX/2022 XXXX XXXX ( collection dept ) I spoke to XXXX hung up on me and transferred to C/S dept XX/XX/2022 XXXX XXXX C/S dept spoke to XXXX XXXXAdvice to call different number XXXX But I got the same answer that Venmo couldn't solve it.
Consumer complaint received 2016-04-13
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (TN)

I had a job loss and could no longer make my mortgage payments. Before I was even XXXX payment behind I contacted my lender to ask for help. What I got instead was a lot of false miss leading information and false hope which landed me very behind in my mortgage and facing foreclosure. I desperately need help to save my home.
Consumer complaint received 2021-12-14
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (CA)

My husband filed for XXXX XXXX in 2019 and listed the car therein. The XXXX judge would not approve a reaffimation of that debt and dischared. HYUNDAI is teling people that I still have this debt ... ... I live in the state of ca. whereby IF a husband or wife file a XXXX of any type the debt is included therein. I have been married to my husband for 50 yrs. Please have them stop reportin this incorrect information on my credit report.
Consumer complaint received 2017-01-04
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

I terminated a vehicle lease on XXXX. I took out a new lease on a new vehicle that same day. Lexus Financial Services continued to electronically withdraw, for the next 2 months, money from my account to apply to the car which was returned even though I was free from further financial obligation, and even though I went online to close their access to electronic withdrawals. They reported me once late as " past due '' payments to the XXXX credit reporting agencies, then circumvented my web account management to take money from me. Over a dozen calls to them get no resolution : promises aplenty, but no resolution. Their various departments at LFS do not seem to be able to communcate with each other effectively to solve what should be an easy issue : termination of XXXX lease and initiation of a second.
Consumer complaint received 2016-04-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (FL)

I added money to my paypal account from my linked bank account. 
The next day they limited access to all my funds. 
I emailed why and they stated because I withdrew money. 
They allowed the transfer to complete a few days later, still not allowing access. 
They are not responding to any further emails.
Consumer complaint received 2016-06-28
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have contacted Portfolio several times to ask to show proof that this was my debt and they can not provide any information. They had removed it from my credit during the beginning of the year and now it is back on report. See attached correspondence and credit report.
Consumer complaint received 2021-12-14
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. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that are reporting on my Credit Report : ( XXXX Inquiry Date XX/XX/2020, XXXX Inquiry Date XX/XX/2020, XXXX Inquiry Date XX/XX/2020 )
Consumer complaint received 2021-12-14
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. (CA)

I paid off the last balance in full on XX/XX/2021. Since then I've accrued XXXX in balance and XXXX dollars is currently pending. However my balance XX/XX/XXXX is showing as XXXX.
Consumer complaint received 2021-12-14
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. (PA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2022-11-14
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)

XXXX, equifax, and XXXX  all have reports of collection accounts my son took out and has it under my name as we share the same name. These are not my accounts and were taken out fraudelently
Consumer complaint received 2022-11-14
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. (NC)

I HAVE TWO COLLECTIONS ON MY CREDIT PROFILE THAT I HAVE NO KNOWLEDGE XXXX XXXXd and the XXXX company OF I HAVE NEVER BEEN THERE AND IWAS NEVER WARNED BEFORE THIS WAS PUT ON MY CREDIT PROFILE OF OTH PLACES THE XXXX  IS IN TENNESSE I STAY IN NC THIS IS CLEARLY IDENTITY THEFT OR A MISTAKE ALSO THERE ARE INQUIRIES THT ARE NOT MINE I REQEST THEYBE REMOVED I HAVE ATTACHED MY FTC REPORT also on one of the credit report it has my last four social as XXXX which is not correct please fix this immediately
Consumer complaint received 2021-12-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Winklevoss Exchange LLC (RI)

Hi This is XXXX XXXX and my account of Gemini financial got froze by myself due to unidentified login .now I have changed my password and want to unfrozen this, but I didn't get any reply from them to get this unfreeze.please help to unfreeze and withdraw my fund from there. 

Email XXXX XXXX
Consumer complaint received 2016-08-09
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (VA)

According to the Credit Reports I have an open Mortgage Account with your company. OCWEN At one time I had a XXXX and XXXX Mortgage with GMAC Mortgage. It was for a property at XXXX XXXX XXXX XXXX VA XXXX. That property was sold XX/XX/XXXX and all notes paid off. The HELOC was paid off XX/XX/XXXX. While the XXXX Mortgage was report as paid off and the XXXX was apparently not. 
Since GMAC went under and your company bought the what was left, I now have an open Mortgage listed with your company. 
After everything was paid off, I no longer have the original documents with account numbers
Consumer complaint received 2022-11-03
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

I am a XXXX XXXX XXXX My commissions are paid by the XXXX XXXX The month XXXX I had deposited my checks. At the end of the month, they all were taken away AFTER being cleared and flagged for a scam. I got all checks verified except for one. They dont want to a verify a {$7000.00} check because the title company does not have a registered number with chase. The CEO of XXXX XXXX XXXX does not know what this means. I have provided documents, and cleared paperwork on the side of XXXX XXXX XXXX they do not want to take any of it I have been struggling to get my money. Please help.
Consumer complaint received 2021-12-14
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. (NY)

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late, yet it is closed and the balance is zero as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX )
Consumer complaint received 2021-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (WA)

Money Tree ( XXXX XXXX XXXX XXXX XXXX, WA XXXX ) accepted a check for {$3300.00} which Wells Fargo cashed ( see check copy attached ) on XX/XX/21 that was made payable to us " XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX without our consent or any endorsement from XXXX XXXX XXXX on the back of the check.
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

I was sent a letter from XXXX Citibank for a credit card, so a applied for said card online. Even though I exercised my rights in good faith, I was denied, which gives me reason to believe and do believe I was wrongfully discriminated against by Citibank. This appears to have violated 15 U.S. Code 1691 ( a ) ( 3 ). The denial caused unwanted stress. Also, the language in the denial letter was obscene to me, causing mental anguish and XXXX This is a violation of 15 U.S. Code 1692d ( 2 ). Full details are in my attached paperwork.
Consumer complaint received 2019-12-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (MO)

Do I have a contract with you? Please send me a certified copy of the contract the exist between XXXX XXXX & HUNTER WARFIELD Debt under penalty of perjury.

Per the FDCPA/FCRA 15USC 1692 e.g.

Breach of Contract by violating the Arbitration Clause. pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. According to the FDCPA After checking my records your company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.
Consumer complaint received 2022-10-01
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. (MD)

Equifax has furnished accounts on my credit report without my permission. I have contacted Equifax on several occasions and spoke with multiple people including supervisors. Still these accounts are on my credit report. Equifax says that it follows the laws under the FCRA but 15 USC 1681b # 2 says that they have to have my written instruction to furnish it on my report and they do not have my written instruction. Theyre basically violating my right to privacy under 15 USC 1681 a4. Ive even filed a complaint with the CFPB but somehow Equifax continues to break the law willingly and knowingly.
Consumer complaint received 2016-12-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MS)

Inaccurately reporting to credit bureaus that my loan term as 538 months. My loan term is only for 30 years which is 360 months. I have disputed this with the credit bureaus and the Ocwen Mortgage company with no resolve. Ocwen is also reporting on my account log in that my loan term is 538. This is not what I agreed to in my loan modification on XXXX.
Consumer complaint received 2022-11-14
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. (IL)

I have contacted you regarding consumer adjustment account. I have asked for copies of documents on file and none have been provided, this account is not mine. This company is not licensed to collect debt in Illinois, and still proceeds to be reported. This has been way over 30 days multiple contacts.
Consumer complaint received 2022-11-14
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. (TX)

In XX/XX/2022 I had XXXX and was so ill. I could not work for weeks and was on XXXX. 
I contacted XXXXXXXX XXXX XXXX. I called and spoke to someone and they stated I could be on a deferment since I was on XXXX I have paperwork to prove that I was ill. 
I never received the paperwork I could not get out of bed I was so very ill. I called as soon as I was able and they stated they emailed me but I never received the email. I called again and they stated that they would mail me the paperwork. I never received anything. By the time I called and spoke to a supervisor and was told I had to pay a fee and that I would be reinstated. I made a payment that day to bring current but little did I know I was already reported twice to the credit bureau and my credit score was lowered quite a bit I have contacted XXXXXXXX XXXX BUT they are no help at all. They have the worst customer service they never help me to help get this resolved or will get a supervisor to help. I communicated as soon as I could because of my illness. THEY ASSURED me that it has been on deferred payment status but that was not true. 
I now have 2 payments reported 1 30day and 1 60day late reported I would appreciate help in this matter. 
Thank You
Consumer complaint received 2019-12-18
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC (MO)

Do I have a contract with you? Please send me a certified copy of the contract the exist between XXXX XXXX & CONTRACT CALLERS INC. Debt under penalty of perjury. 

Per the FDCPA/FCRA 15USC 1692 e.g.

Breach of Contract by violating the Arbitration Clause. pursuant to Regulation Z 12 C.F.R. 15 U.S.C. 1635 Right of Rescission, I rescind my entire consumer transaction. According to the FDCPA After checking my records your  company has NOT provided me with the contract we signed together. If you can not provide any agreement between us from this day on you agree to pay my fee of {$3000.00} usd, for contacting me without my written Express consent. I will also file harassment and identity theft charges. Please also send me the 1099-INT for this account.
Consumer complaint received 2016-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (OR)

I have recently disputed information in regards to XXXX with Equifax. XXXX went out of business because they were defrauding military personnel. If they review the date on my credit report from this company they will notice that I was also a victim. I would like Equifax to delete XXXX off my credit report due to the company filing bankruptcy and going out of business.
Consumer complaint received 2017-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

My loan is managed by Navient. My monthly payment is {$300.00}. I normally pay over the monthly payment to help pay down my principal. This decision was based on my conversation with customer service of my loan institute. 
I called Navient on XXXX/XXXX/17 after reviewing my payment history. It appears that my excess payment is being applied to interest not the principal. The customer service lady stated that the extra was paid to interest. 
All my extra payment of the {$300.00} should be applied to principal not interest since the interest is based on the principal balance each month.