davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-01
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. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT
Consumer complaint received 2022-07-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (WI)

I purchased a Frontier plane ticket using my Frontier Airlines XXXX XXXX on Saturday, XX/XX/2022, from XXXX, WI to XXXX XXXX for XX/XX/2022 - XX/XX/2022 ( Confirmation Number XXXX {$230.00} ). On Sunday, XX/XX/2022, I realized that I booked my plane ticket for the wrong dates. I called Frontier Customer Service and was told since I booked the flight less than 24 hours ago, I could rebook the flight with the correct date using the Confirmation Number XXXX to cover the cost of the flight and not be subject to a change fee. 
After my phone call to Frontier Customer Service, I rebooked my flight for the correct date XX/XX/2022 - XX/XX/2022, using my original Confirmation Number XXXX. After rebooking my flight, I received a new Confirmation Number XXXX & the plane ticket cost me {$200.00}. 
I received my Frontier Airlines XXXX XXXX statement with both airline tickets on my statement. I called Frontier Airlines XXXX XXXX to dispute the first airline ticket ( Confirmation Number XXXX {$230.00} ) since that was the flight I never took. Frontier Airlines XXXX XXXX sent me a letter stating that they finished with the investigation & I just received my Frontier charge card statement stating that my bill is {$200.00} ( the cost of the rebook Frontier plane ticket ). 
Why is Frontier charging me for 2 plane tickets & I only took 1 flight? I paid the {$200.00} for my flight.
Consumer complaint received 2022-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I called the XXXX County Treasurer 's office on XX/XX/XXXX because I noticed that the tax payment due on XX/XX/XXXX had not been paid. I paid the amount of {$3100.00} to avoid late fees. When I contacted Mr. Cooper, my servicer, they informed me that they had paid on XXXX, but this was not corroborated by the county. Mr. Cooper has been unable to provide evidence that payment has been made since I contacted them on XX/XX/XXXX. I have made multiple attempts to resolve this issue over the phone and through their online messaging portal.
Consumer complaint received 2022-01-15
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: CORELOGIC INC (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI, XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX has had this information since XXXX and still wont remove the account and ignored the FTC identity theft report. 

XXXX XXXX XXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX I have filled litigation and arbitration against XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply. Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-04
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. (TN)

I am XXXX XXXX and I'm submitting this complaint myself and there is no 3rd party involved! I obtained my consumer report and I notice there were some unauthorized items reporting. pursuant 15 USC 1681b ( a ) ( 1 ) ( 2 ) under permissible purposes of consumer report : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX never gave you written consent to furnish anything on my report. No consent means you are now committing Identity theft. also under the congressional findings, congress clearly states that consumer reporting agencies MUST exercise their GRAVE responsibilities with a respect for the consumers right to privacy. you are in fact infringing on my RIGHT to privacy. under reasonable procedures, Congress states that consumer reporting agencies shall adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. you are a corporation you can't tell me XXXX XXXX consumer in fact what is Fair, Equitable, and Accurate. you are also in violation pursuant 15 USC 1681a ( 2 ) ( b ) under Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; under 15 USC 1602 ( l ) credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. so that means my SSN, State ID is a credit card that was used.
Consumer complaint received 2022-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

XXXX i found this mistake today equifax got me kisted 60 60 90 90 120 on their site and experian got me listed 30 30 60 60 90 which sounds more correct to me
Consumer complaint received 2022-01-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TN)

My account was just purchased by another lender. I had documented on my previous account all my payments and payoffs but now none of that is available online. The account originally is through XXXX and recently just transferred to XXXX. There is no payment history and my payoff seems a lot higher than it was originally about a year ago. I am very displeased with my payoff, even my father was trying to sell some property to help with this debt and was in shock when he heard my payoff, mentioning it was a lot higher than it should be the last time he has asked when he was selling some assets, which we couldn't attempt due to my vehicle kept having issues and some other hardship at the time. I was making payments timely after school, but I had a difficult time initially after school with finding a job that was not just one to subdue at a lower paying income in order to pay bills raising 3 children without child support while I searched and supported them. I did get married for a few years but he never was at a higher income reporting that could get everything back to normal as he was not contributing as he should and his business income suffered regularly from what he reported. I also have to pay for 4 children now single without child support, working as a state government employee and was interested in loan forgiveness and seeing what new options I have, and I am soon about to change careers along with considering re-entering into school for masters degree, but I am now figuring out I may just be growing a large monster bill- and will it be worth it to struggle afterwards as well as I remain in the percentile considered " middle income '' which in reality for me is poverty level since I would be paying my student loans with high payments, all my bills for mortgage, utilities, child care, and have little to eat on from a current {$43000.00} income at the State of TN XXXX pay scale Administrative Manager position, then going to masters degree raising it to.. what $ 10,000- {$20000.00}? Obviously I would have to leave the Government position to find alternatives to survive it seems. I am really interested in finding out what I am capable of doing about my missing payment history and what on earth can i do moving forward with an advisor financially seeing that I have concerns with the current lenders who swapped hands with my account. I understand that XXXX XXXX also isnt to better yourself for post graduate degrees? WHY? What on earth .... is this a plan someone to keep poor people poor or is this also incorrect information? Thanks
Consumer complaint received 2022-08-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/2022. I made a phone call to Midland Funding in regards to the validity of two reported debits from XXXX bank and XXXX XXXX XXXX in the amount of {$430.00} as granted by the Fair Credit Reporting Act. I requested the following documentation ; Original contract from the merchant with signature, Original merchant information, Itemized billing statements, and proof of ownership from the current debt collector. On XX/XX/2022 I received all requested documents except the original merchant contract for XXXX XXXX and absolutely none for the XXXX bank. On XX/XX/2022 I once again contacted Midland Funding and requested the missing information only to be told by the operator that they had no other documentation in regards to the debts. I inform them that this was a violation of the FCRA and that if it is not removed from my credit i will be filing a complaint.
Consumer complaint received 2022-01-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (MD)

Received an email from Chime advising me to set up direct deposit on a new account that was opened in my name. Advised that it was not me and asked them to close the account. Which they did. However, when I requested the information used to open the fraudulent account, they refused to provide without the last four numbers of my social security number, a police and identity theft report. 

I advised that I was not going to send my social security info through email and asked how I was supposed to report this to the authorities without the information. They proceeded to keep asking for the same information. 

All of this was communicated through email. I asked for a contact number to speak to a live person. That request was ignored.
Consumer complaint received 2022-01-15
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Veripro Solutions Inc. (IL)

On XX/XX/XXXX Veripro Solution Inc Claim they assumed 2nd Mortgage from XXXX XXXX XXXX. Document B Veripro Solution never contacted me, The note requires in notice section Document A any notice that must be given to me under this note will be given by delivering it or by mailing by certified mail addressed to me at the property address above. 1st Breach of contract. On XX/XX/XXXX Veripro solutions sold loan to XXXX trust owner XXXX and retained servicing with out notification to me 2nd breach of contract. On XX/XX/XXXX Veripro Solutions transferred Servicing to XXXX XXXX XXXX with out notification to me again 3rd breach of contract.Veripro Solutions never changed loan assignment in MERS to them selves, which made loan transparent to find. XXXX XXXX XXXX did not contact me until XXXX of XXXX Upon request i was sent false information, i can only assume came from Veripro Solutions. Document B In XX/XX/XXXX after not receiving proper information from XXXX XXXX XXXX I requested information from Veripro Solutions Dated XX/XX/XXXX. Document B Veripro Solutions Inc can not provide an assignment of Mortgage from XXXX XXXX XXXX to them. Loan had been missing for almost 4years between XXXX XXXX XXXX and Veripro Solutions . 4th Breach of contract assignment to Veripro Solutions.
Consumer complaint received 2021-09-04
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. (SC)

I am a victim of identity theft and I believe the culprit is my ex-girlfriend and mother of my children. Our relationship was very toxic so I moved out of our home and moved in with my parents while I stabilize because I can not afford two leases and since my move it seems like she has started using my credit without my permission. I don't want her to go to jail but clearly she doesn't understand how damaging this has been to my credit. There are several inquiries reporting on my credit report I don't recognize and I firmly believe she has been continuing to acquire credit in my name.
Consumer complaint received 2022-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (FL)

My card was stolen on XX/XX/2021. The person who stole my credit card made purchases at several stores including XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX. This criminal spend approximately XXXX at these stores with most of the amount going to gift cards. I called one of the XXXX he purchased a gift card at and when they looked at the camera they said it was someone wearing a hoodie. I disputed the charges with Chase and they removed the purchases but recently they put the charges back on my credit card because they said these purchases are from stores I usually shop at. I would like to file a complaint because I am a victim of credit card fraud and Chase is not handling this situation responsibly
Consumer complaint received 2022-05-18
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. (NV)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # XXXX, Dept of Ed/XXXX  ACCOUNT XXXX XXXX, Dept of Ed/XXXX  ACCOUNT # XXXX XXXX Dept of Ed/XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX, XXXX  ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, ACCOUNT XXXX XXXX  XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXXXXXX XXXX  ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-15
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (CA)

I XXXX  and my employer mailed me a debit card for retroactive pay. The card Is with US bank. The only way to activate the card is online. I entered my user name and password, and was then prompted to enter my card number and last four of my ss, which I did. A window popped up stating unable to verify. I tried again multiple times ; no luck. I called Us bank and got transferred around till I was told I would be transferred to someone who could activate my card over the phone. After answering questions for five minutes, they said the only way to activate my card is online. It is my strong feeling this bank makes it difficult if not impossible to activate a card so they can hold ones money as long as possible. Please help me activate this card so I can withdraw my money and be done with this firm. Thank you
Consumer complaint received 2022-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Omega RMS, LLC (MD)

I write to report about the company XXXX XXXX XXXX registered as XXXX XXXX XXXXXXXX XXXX for predatory practice. 
They found me from XXXX and called me some time last year to propose a match-making for professional singles. I was hesitant about the cost but they told me it was a monthly paid service and that I could opt out at any time. I told them that it is practice for me to sleep over every new proposal before deciding. She assured me that no worries, I wont be charged but and that its required to provide a Credit card but I still have time to decide. She then forwarded tons registration documents to virtually sign while assuring me on the phone that I can rely on her assurance that I wont be charged up front. 

What happened was different in that my account got charged {$500.00} which she had told me nothing about. Also I was denied the ability to opt out when I called about one or two days later to opt out. They had not provided me no service and have since not provided me any service. They have since sent my information to demanding {$2300.00} besides the {$500.00} for no services provided at all. 

I can only imagine how many Americans have to suffer from such companies that go unchecked. I will appreciate if you could call them to book and resolve this matter.
Consumer complaint received 2022-12-29
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: CITIBANK, N.A. (SC)

Cbna bank XX/XX/2022 i got a hard inquiry that i want deleted. 

By XXXX XX/XX/2022 i got a hard inquiry that i want deleted also. 

I say this because as you can see i have nothing on my credit report before that, because i never knew anything about it. I jus started working on my credit in august with credit lines i have on my account now thats the only thing i recognize. I gave No consent for those other inquirys
Consumer complaint received 2022-01-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (OH)

I didnt get notification of debt from I C System prior to it being placed on my credit which is a violation of my rights as a consumer. Did not validate the debt. 

IC Systems Amount Due {$950.00} Date XXXX/XXXX/2021
Consumer complaint received 2022-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ZIONS BANCORPORATION (ID)

Zions Bank Corporation deliberately and unfairly charged my personal account overdraft fees in a discriminatory and XXXX biased manner. 

In XX/XX/2021 Zions bank charged overdraft fees for my account ending in XXXX the amount of USD XXXX and my account ending in XXXX the amount of XXXX. 
I disputed and paid these fees in full. The bank statements are attached. Zions stole my money. 

In XX/XX/2021, Zions again charged my account XXXX the amount of XXXX for a single transaction of XXXX dollars. Zions then proceeded to harass me with mutliple telephone calls and collection letters and put my name on XXXX XXXX, even though they were informed the charges were false. They also reported me to a collection agency and cost me an XXXX loan of XXXX. The evidence is attached. 

Zions bank favored rich white customers over poor blue XXXX workers including XXXXXXXX discriminations, including me.
Consumer complaint received 2022-01-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OK)

XXXX took way over 30 days to complete certified mail dispute. Then when they finally sent me a response they stated that everything wS verified. I received no proof of verification. All disputed its by law have to be deleted due to their investigation taking longer than 30 days. I'm unsure how they can pretend to be unaware of the laws they must follow. I am submitting my complaint here to try to get them to follow the laws Consumers have rights for a reason and I will not allow mine to be violated. I demand the deletion of all disputed items due to the fact that no investigation took place and it took more than 30 days.
Consumer complaint received 2022-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

I believe that it was a mistake to close my Paypal account. I am using my Paypal account for XXXX business XXXX XXXX since XXXX XXXX. My Paypal account : XXXX has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and God bless. 

For identity verification, I attached my valid ID. Please see attachment.