davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items 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 XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, CA, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX  XXXX XXXX Balance : {$0.00} CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXXXX 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 2022-09-21
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 sent a letter on XX/XX/XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2022-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (VA)

On XX/XX/2021 I ordered a phone from XXXX. I was told the phone would have either a XXXX or XXXX day ship, but it took longer than that. I reached out multiple times to XXXX and spoke to multiple representatives. In the beginning I was told my order did not ship out yet, then that it just shipped, and lastly that they couldnt find my order at all. After hearing all of this I was frustrated and decided do cancel the entire order. I called XXXX & was told that the order was already shipped and told to contact XXXX. When I called XXXX, they stated that they havent received my order at all. I then spoke to XXXX  again and they gave me the run around. I was then told that the order was canceled and I had nothing to worry about. XXXX went by and I noticed XXXX XXXX tried to take different amounts of money from my account at different times. I visited my local XXXX and they called the collection agency and tried to get everything disputed. Before I left I was told by the XXXX experts that everything was handled and that the debt would be disputed and removed from my credit report. That never happened. I went back a little while later and did the whole process over with XXXX The agency told the experts that they did in fact dispute my claim but they put it back on my credit report due to phone usage & the phone account being used. Again I told both XXXX and the agency that I did not receive the phone, it was NEVER delivered to my home, due to me canceling it. I told them that when I spoke to the representatives I was told my order was successfully cancelled. I told them again and again that I do not have possession of the phone or any of XXXX equipment. Im not the individual that used nor opened the account etc. The XXXX representatives even stated to the agency that they have no active account in my name, and that its obvious Im not the one using the device or the account. The {$560.00} was then removed from my credit report for about a couple of months, & it is now back. I just want to get this handled. This has been going on for way too long.
Consumer complaint received 2022-11-29
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXXwestlake financial scv, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO. (CT)

On XX/XX/2022 I deposited a check for {$130000.00} into my Chase Bank checking account. This was physically done at the bank location at XXXX XXXX XXXX XXXX, XXXX, CT. Somehow Chase posted this transaction as a debit rather than a credit and I woke up to my checking account being overdrawn by {$130000.00}. It took multiple phone calls, hours on hold, and much frustration before they finally corrected this. Meanwhile my account had been frozen, and items ( such as my utility payments ) were returned unpaid. I then had to pay service fees for each. Chase reimbursed me for the first one ( and I quote ... '' as a courtesy '' ) but refuses to pay the other 2 ( one for {$20.00} and one for {$15.00} ). These fees represent damages that I incurred due to the banks erroneous handling of this transaction. This was absolutely in no way my fault. While Chase is not able to reduce the XXXX, XXXX  and XXXX  that they caused me, nor the hours of my time that they wasted, they should at least be accountable for the monetary damages that resulted from this mistake.
Consumer complaint received 2022-11-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

I have a private student loan with Navient. I had been making monthly payments since I left school. Navient never postponed any payments even during the pandemic to help us get through difficult times. Navient has increased interest rates on the loan twice over the last XXXX months. When I called and asked about the interest rate increase, they told me I have signed a contract with a variable interest rate which I am not able to confirm.
Consumer complaint received 2022-06-27
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (SC)

1. Payment Errors : - Your company rejected the full payment I made on XXXX XX/XX/2022 in the amount of {$730.00}. This was based on the Mortgage Modification Paperwork referenced in Section # 2 : Accessing and Providing Timely Information. 
- Your company rejected the full payment I made on XXXX XX/XX/2022 in the amount of {$730.00}. This was based on the Mortgage Modification Paperwork referenced in Section # 2 : Accessing and Providing Timely Information. 
- Your company rejected the full payment I made on XXXX XX/XX/2022 in the amount of {$730.00}. This was based on the Mortgage Modification Paperwork referenced in Section # 2 : Accessing and Providing Timely Information. 
- Your company rejected the partial payment I made on XXXX XX/XX/2022 in the amount of {$280.00}. I paid this because I was given misinformation on the required payment amount in my statement based on failure to process the Mortgage Modification Paperwork referenced in Section # 2 : Accessing and Providing Timely Information. 
- Your company rejected the full payment I made on XXXX XX/XX/2022 in the amount of {$730.00}. This was based on the Mortgage Modification Paperwork referenced in Section # 2 : Accessing and Providing Timely Information. 
- Due to issues with your companys processing of my Mortgage Modification Paperwork referenced in section Section # 2 : Accessing and Providing Timely Information I incurred a fee from my bank in the amount of {$29.00} on XXXX XX/XX/2022. 
- Due to issues with your companys processing of my Mortgage Modification Paperwork referenced in Section # 2 : Accessing and Providing Timely Information I incurred a fee from my bank in the amount of {$29.00} on XXXX XX/XX/2022. 
- Your company rejected the full payment I made on XXXX XX/XX/2022 in the amount of {$1000.00}. I paid this because I was given misinformation on the required payment amount in my statement based on failure to process the Mortgage Modification Paperwork referenced in Section # 2 : Accessing and Providing Timely Information. 

2. Accessing and Providing Timely Information : - Your company failed to provide accurate information and documents regarding rejection of loan mitigation documentation returned on XXXX XX/XX/2022. Tracking still states In Transit. I called and learned later that this was rejected due to Notary error. 
- Your company failed to provide accurate information and documents regarding rejection of loan mitigation documentation returned on XXXX XX/XX/2022. Paperwork was signed for by XXXX XXXX. I have yet to received accurate and timely information and documents to date. 

3. Properly Evaluating Loss Mitigation Applications : - Your company failed to properly evaluate the Loan Mitigation Applications as outlined in Section # 2 : Accessing and Providing Timely Information. 

You have now sent another Mitigation offer that is less favorable where I pay more due to your errors.
Consumer complaint received 2022-09-21
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)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 2. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 3. Identity Theft XXXX Account Number : XXXX Delete this account. 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2022-11-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LDF Holdings, LLC (AZ)

On XX/XX/2022, I sent a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Evergreen Services and can confirm that they received the document ( attached to this complaint ). On XX/XX/2022, Evergreen Services debited {$190.00} from my bank account. I never authorized this transaction or rescinded the XXXX XXXX XXXX to XXXX XXXX Funds Transactions.
Consumer complaint received 2022-09-21
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. (TX)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022 to update/correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior COMPLAINT # XXXX, XXXXand I'm including it again. 
XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX XXXX Balance : {$18000.00} DEPT OF ED/XXXX  XXXX Balance : {$8300.00} DEPT OF ED/XXXX XXXXXXXX Balance : {$7700.00} DEPT OF ED/XXXX XXXX Balance : {$5400.00} DEPT OF ED/XXXX  XXXX Balance : {$4200.00} DEPT OF ED/XXXX  XXXX Balance : {$2000.00} DEPT OF ED/XXXX  XXXX Balance : {$1900.00} DEPT OF ED/XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$3400.00}
Consumer complaint received 2020-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

I have a Shop Your Way CitiCard. I had a payment due on XX/XX/20 for a purchase amount for {$20.00}. I did not receive a bill. While going through some receipts I realized that no bill had been sent. On XX/XX/20 I made an electronic payment of XXXX which posted on XX/XX/20. I also called the credit card company and was automatically sent to an automated system for waivers of late fees. The automated system reported that late fees and interest were waived. I had no other purchases on the card. 

Then on XX/XX/20, I created an online access account and was met with several late fees and interest in the following amounts : Late fee XXXX Interest {$2.00} Late Fee {$39.00} Interest {$2.00} Late {$24.00} Interest of {$2.00} Total fees of {$89.00} for an {$20.00} purchase. 

I called Citicard and was told that it would only waive {$67.00} and my account would remain delinquent and continue to accrue late fees and interest. Negative reports would continue to be made to the credit reporting agencies. I was further told that I could not get a copy of the terms of the credit card agreement via the online system. It could be requested to be mailed to me but my account would remain delinquent and there was nothing I could do about it no matter what. It was emphasized multiple times that there was nothing I could do, even though it was not my fault. 

I paid the purchase that was charged and was led to believe by the Citicard 's own system all fees had been removed in XXXX.
Consumer complaint received 2022-04-25
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. (MI)

I have disputed 2 accounts that are listed on my credit report for 6 months. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXX 
{$420.00} Equifax, XXXX and XXXX fail to provide actual legitimate verification. 

Please provide the bill of sale/transfer related to this debt. 

This reported account is inaccurate and can not be substantiated.
Consumer complaint received 2022-06-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (GA)

On Monday XX/XX/2022, my account was charged for {$340.00} by pretty little things limited. I disputed the charges with Chime and the dispute was denied. No explanation was given as to why the dispute was denied.
Consumer complaint received 2022-04-25
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. (NY)

I disputed a charge on my credit card. 
Chase sent me a letter saying they were denying my dispute due to insufficient information. I called them and was directed to submit a secure message via their online portal to provide the additional information. 

On XX/XX/XXXX I submitted a secure message with the requested information. I received no response. 
On XX/XX/XXXX I submitted an additional secure message requesting an update. I was directed to call a Chase hotline number. I called the number and was directed back the secure message channel. 
On XX/XX/XXXX I submitted an additional secure messaged requesting an update and letting them know that I was directed back to this communication method upon calling. 
No response has been received and it is now 2+ months later.
Consumer complaint received 2022-11-29
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: Exeter Finance, LLC. (MS)

XXXXXXXX XXXX XXXX Exeter Finance LLC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Exeter Finance Corp N Accordance with the Fair Credit Reporting act 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 2022-11-29
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Account name : XXXX Card # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-07-28
Product: Checking or savings account — Other banking product or service
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (WA)

I set up a savings account with Ally Bank. After the account was set up I received a credit monitoring report that the did a hard credit inquiry for a bank loan. This brought my credit score down. I sent them a secure message to find out why and they said I had to talk to the loan department. However I never applied for a loan or authorized them to do a credit check for a loan.
Consumer complaint received 2022-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (NC)

National Recovery Agency ( NRA ) has claimed two debt collection accounts on me, which has affected negatively on my credit scores. NRA 's total claimed debt amount is {$520.00}. One is {$410.00} ( open on XX/XX/XXXX ), and the other is {$110.00} ( open on XX/XX/XXXX ). Both of them are for XXXX XXXX. Can you let me know what is the nature of the bill? How can I address this problem? 

I am a XXXX XXXX. During the pandemic, I was not in the United States ; I don't believe they have contacted me in the way that I can understand what is happening and how I can address this situation. 

Please let me know what you think.
Consumer complaint received 2022-11-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (WA)

Appeal / Escalation to Denial from Selene when XXXX has {$60000.00} funds ready to apply Selene Loan # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX HUD XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Foreclosure Trustee : XXXX XXXX XXXX XXXXXXXX XXXX Washington Issue : XXXX is approved for XXXX funds on XX/XX/XXXX of up to {$60000.00} to go towards reinstatement/modification but Selene continues to refuse to work with XXXX XXXX and instead is moving forward with the foreclosure. 
It is inconceivable that XXXX has XXXX for Selene and Selene can not work with XXXX XXXX on fees or a repayment plan for the additional money. We could even try and get an exception with XXXX if Selene would accept the XXXX and remove fees to be paid at a later time. The law does not require fees to be paid at reinstatement. Selenes delay continues to cause XXXX to incur additional fees driving her further into delinquency. 

Proposed Resolution : It is not required to pay the fees to reinstate a loan. Selene to accept the {$60000.00} from XXXX with the remaining delinquent balance of approximately {$10000.00} to be paid later. Allow XXXX to pay the additional fees through either a formal repayment plan or spread it out over 60 months which works out to be about {$170.00} per month for 60 months which is affordable to her. 
This would allow XXXX to stay in her home which is also the source of her self-employed business income. 
There has to be a way to make this work to take advantage of the XXXX funds with everyone benefiting from the XXXX funds including Selene. 

Fees are not required to bring loan current : *Sale date is XX/XX/XXXX