davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

Today, Saturday, XX/XX/2022, I just received a debt collection notice in the mail from a company called Jefferson Capital Systems , LLC, XXXX XXXX XXXX, XXXX XXXX, Minnesota. XXXX. The notice states I owe {$1100.00} from a purchase I allegedly made from XXXX XXXX XXXX. 
The notice indicates a different name than mine, but it's very similar to my name. The address they mailed it to is my address. 
I called the company and explained that I never made such a purchase from any company, and do not owe the money, and I told them to remove it and not communicate with me again. 
The representative said they would only remove the name. 
Then, I hung up. 
I went to XXXX reviews, and read page after page of complaints about this same company that apparently, looks like a scam ; either that, or someone stole my address. Now, I need to check my credit report to see if they tried to put something adverse on it. 
They also gave an address to mail payments at : Jefferson Capital Systems , LLC, XXXX. # XXXX, XXXX XXXX XXXX, XXXX, AL. XXXX
Consumer complaint received 2022-09-24
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: CITIBANK, N.A. (NY)

XXXX cash advances were made on XX/XX/2022 to my Citi XXXX XXXX, both to XXXX, XXXX for {$550.00}, the other for {$740.00}. I did not authorize either charge and immediately called Citi. I told them that my computer was hacked on XX/XX/2022, taken over by scammers, there was possible identity theft, and my credit card information was obtained directly from my XXXX account, where it was stored. Citi told me that the charges and fees would be deducted, and I then paid the amount shown on my XXXX statement minus the fraudulent charges and fees. I canceled my Citi XXXX, my XXXX XXXX XXXX XXXXXXXX card, and my Macys card. Because of the possible identity theft I notified Social Security, the FTC, the XXXX XXXX XXXX and froze my credit at XXXX, XXXX and XXXX, My XXXX, 2022 Citi statement showed that the charges and fees had been reversed. 
When checking my Account Summary online on XXXX XXXX I saw a pending charge for an unauthorized cash advance of {$64.00}. I called Citi and was told that the charges were related to the XXXX cash advances that were placed back on my account. I asked for a supervisor and spoke to XXXX XXXX, a XXXX XXXX XXXX at XXXX. After explaining that the scammers had obtained my Citi account information directly from my credit card account information stored at XXXX she assured me that the charges would be reversed. I received a letter, dated XX/XX/2022 saying the dispute has been closed and the charges would be rebilled to my account. I again called the fraud department at Cit and was advised to send a letter asking them to re-open the case. The letter is in the mail, addressed to XXXX XXXX XXXX in XXXX XXXX, SD XXXX. 
Citi is basically calling me a liar and I want to alert the CFPB to this issue in the event that Citi fails to reverse the charges and associated fees and interest as required by law.
Consumer complaint received 2022-09-24
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. (OH)

In accordance with the Fair Credit Reporting Act 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 has violated my rights 15USC 1681 section 602 a states : I have the right to privacy.

15USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-09-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (SC)

On or around XX/XX/XXXX Chase Bank was advised that my Business account for XXXX XXXX XXXX was experiencing fraudulent charges including but not limited to withdrawals ' ATM .. and credit card charges that were not mine. 

I was told to call Customer Service. Customer Service did not help. 

On or around XX/XX/XXXX XXXX I went to th chase Bank branch on XXXX XXXX XXXX. All I asked was for my account number and routing number. I was in XXXX Virginia for three weeks which I can prove and when I mentioned that to the clerk she immediately stood up and called security. I left without saying a word. 

I'm an American Citizen and pay SC taxes on my business and I would like to have my account number and routing number as I was never given any checks. They do not seem to be willing to cooperate nor investigate the fraudulent charges.
Consumer complaint received 2022-06-08
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. (TN)

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes to my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation of the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any account listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX Balance : {$5600.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$62.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$2800.00} XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX {$2600.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$190.00XXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX  XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3000.00}
Consumer complaint received 2022-09-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (LA)

I have a mortgage with Flagstar Bank. I have no idea how this bank is still in business. 

Noticed my mortgage payment has home & flood insurance included. I already paid both the home & flood insurance in full before I closed on XX/XX/2022. I called late XXXX to address the situation the rep said she would have someone call back. ( no one did ), I called a 2nd time, the rep argued with me said it was taxes that I was paying for ( he was wrong ), called a 3rd time the rep admitted fault. She called my insurance broker who verified that I DID pay in full and gave all the info needed. The rep said she would let escrow know. I heard nothing from escrow. I called a 4th time was on hold, the line went dead. I emailed the company no email back. I called to make an appt in person with the bank was told I had to call the branch. I called the branch no answer, so I left a message, recieved no call back. I gave a bad review on XXXX they messaged back said to use XXXX to get ahold of a supervisor, I did, no response. And here I am, with nothing resolved, no manager to speak to. This is past horrible. I just need this fixed.
Consumer complaint received 2022-09-24
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. (CA)

On XX/XX/2022 I wrote to XXXX XXXX XXXX in regards to my auto loan being reported as late for XX/XX/2022 as all three ( 3 ) credit bureaus show it was late. On XX/XX/2022 XXXX XXXX XXXX sent me a letter stating that based upon their research they are not reporting any delinquency for XX/XX/2022. I want this negative reporting removed from all three ( 3 ) credit bureaus immediately as it is inaccurately reported on my credit file.
Consumer complaint received 2022-09-24
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)

I am writing this complaint to cfpb versus the three credit bureaus in hopes to gain removal from reporting any negative claim ( s ) asserted inadequately or undemonstrated to be so thereby ensuring my confidence in their reporting integrity.

My complaint ( s ) primarily are due to my belief the indicated company has failed to adequately ensure reporting of my personal consumer credit report profile in fact has been done and currently reports appropriately and ONLY so undeniably ethical, fair, truthful, within federally-defined timeliness, with physically variableness, and elsewise certifiably validated to be compliant to established mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without omissions and or deviations from that required used appropriateness which ensures a non-jeopardized degree of integrity reporting allegations versus me satisfying at least the minimal criterion to satisfy the federal and my state 's applicable regulatory mandates for reporting to an extent no lesser than that of a MAXIMUM POSSIBLE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS! 
I have included the credit report as well as letters Ive sent
Consumer complaint received 2022-12-05
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. (PA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MD)

What mortgage company transfers a mortgage without notifying the mortgagor? At some point in XXXX Wells Fargo transferred our mortgage to another company. We did not/have not received any information from either company. XXXX XXXX our account was current with the exception of late fees. At this time, I had been on the phone with Wells Fargo monthly for several months and no one informed me this was happening. On XX/XX/XXXX I logged on to Wells Fargo to request a forbearance due to the pandemic and loss of employment and business. The website said it was taken care of. Payments were stopped as a result. Payments resumed in the fall of XXXX when the time period ended. I continued making payments to Wells Fargo to date. XX/XX/XXXX we suffered a break-in and checks were stolen ; XXXX XXXX XXXX XXXX case number XXXX. Unfortunately, XXXX XXXX XXXX had to issue a stop payment on a range of check numbers and a Wells Fargo payment was included in it. The check was immediately reissued once the original was processed. Wells Fargo and/or XXXX XXXX XXXX XXXX XXXX our monthly payments. I'm not sure if they are holding on to them or what exactly they are doing. I have attempted on multiple occasions to speak with a representative with both companies and get nothing but the run around. With our XXXX XXXX  it made us aware that this new mortgagee, XXXX XXXX, did not honor the forbearance period and has stopped applying payments to our account. XXXX XXXX has not sent us anything, nor have they telephoned us. What type of mortgage company does not communicate with their clients? Not a single statement, email, telephone call or any other documentation. WE need your assistance to get this resolved as soon as possible.
Consumer complaint received 2022-07-04
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. (NY)

While reviewing my credit reports from XXXX, I found several inquiries not authorized by me. As such, I filed an FTC Identity Theft Report and want these inquiries promptly removed. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX 2021
Consumer complaint received 2022-09-24
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC. (FL)

On XX/XX/2022 I contacted Ally Bank to request a payoff so I could buy out my vehicle lease. They told me they could not provide this information, that I would have to contact the dealership ( XXXX XXXX of XXXX XXXX, FL ) where I bought it because they can't sell it to me directly. I contacted the dealership and they were willing to give me a payoff amount ( which they received from Ally Bank ) but said they could not give me the taxes, fees, etc. and that they would not help me with the buyout with Ally because " Ally would require us to break Floridas anti discriminatory laws ( they ask us to charge their customers different fees ) and we will not break the law for anyone. '' They directed me back to Ally for a list of dealers to help facilitate the lease buyout. I contacted Ally and they said they don't have a list of dealerships in my area. This activity is in direct violation of the terms of my lease and laws regarding interstate commerce. Neither party wants me to buy out my lease because used vehicles are going at a premium right now and rates are going up. Their actions are causing me real financial and material harm.
Consumer complaint received 2022-06-08
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 XXXX XXXX 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
Consumer complaint received 2022-12-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

On ( or about ) XX/XX/2022, a hacker gained access to my PayPal account and made over XXXX unauthorized transactions. As of XXXX, PayPal is currently limiting the fraudulent accounts and deleting the fake invoices, but I still have a negative balance in my PayPal account for {$4200.00} that was paid to a hacker or to someone who's account was compromised by the hacker.
Consumer complaint received 2022-12-05
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cascade Capital, LLC (LA)

This appears to be an emergency room visit back on XX/XX/2018. I have repeatedly contacted the hospital accounting and billing offices to address/pay this issue over 4 years. It has been opened and closed with numerous collection agencies yet this appears to be a new attempt at collecting {$180.00}. I have been told by the hospital it was paid, then told it is for the physicians. Now I have no idea if this is legitimate or a scam. 

Today, my wife received a text message demanding payment, she has nothing to do with this issue.
Consumer complaint received 2022-09-24
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. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX and XX/XX/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 2022-09-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AZ)

On XX/XX/2021, I made a purchase that was larger enough to be placed in 12-month special event. Regardless if I have a balance or not ( of current purchases ). Macy 's does not apply my payments to the promotional balance. Example, XXXX statement I did not make any purchases on my account, so I made a payment of {$75.00}. Which I called ( like I do every month ) to ensure that the {$75.00} was applied to my promotional balance, instead the company then applied it to purchases which were not on my statement yet. I have called almost every month and it is constantly not being completed. My last balance for my XXXX statement was {$280.00}, which I made a {$75.00} towards and called to ensure it is applied to the statement balance ( which was all the promotional balance ). But instead I get the XXXX statement which states that my previous balance was still {$280.00} and my payment was applied to my current charges. Macy 's is making it nearly impossible to pay off my promotional balance. Macy 's states they can't help me pay towards the balance unless, I make a phone call every month. I do make the call but they do not apply the payment as requested.
Consumer complaint received 2018-06-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

in XX/XX/2014, my family applied and was approved for a loan consolidation cash out, refinance with Chase bank, where all 4 mortgages have been for decades..This was on SFR worth then {$750000.00}, now $ XXXX amt was for {$410000.00} at 4.625 % with a sole borrower as acting trustee of a revocable trust requiring only 1 trustee signature. We were Required as a condition of closing to close all credit accounts so all unsecured debt Would be Paid off directly by Chase bank after closing and funding of loan. Loan officer And manager were made aware before ApplicationThat co-trustee was elderly and non-Compliant, combative and acting in bad faith With regards to Trust properties. She had never managed the estate and did not understand the need to maintain property condition and satisfy county condition requirements. Therefore All documents were submitted To show trustees and beneficiaries ' rights To conduct The Business and Encumber, sell mortgage etc. properties with only one signature. They had 3 trust members at closing, 2 more than necessary. The manager and loan officer pre Approved paperwork and understood Circumstances. At closing, Notary was present along with both beneficiaries and acting trustee. co-trustee wouldn't participate but tried to derail closing by screaming profanity while running in lobby in her pajamas. She also sent fake letters to the branch about co-trustee.All consolidated debts were trust debts as well as trust assets. No additional debt would be incurred and overall monthly payments would decrease by more than {$3000.00} with refinance and consolidation with reduced int rates.. Chase did not close because of her antics and as a result, mortgages went into default, all Credit payoffs were missed and our credit as a family destroyed.

Many accounts were over 40 years old and had no credit limits.

As a result of missed pay-off accounts all show defaulted, charged off, or creditors are suing for payment and we are unable to obtain any personal credit. were forced to get a bridge loan at 9 % int only for 2 years to make repairs, mortgages all show lates or were transferred to another servicer with fees and delinquencies. Our XXXX hit an all-time low of XXXX! Properties still in disrepair as we are unable to obtain financing to fund rehabs. 
Since then we have not been able to obtain a loan, refinance or settle with closed cards and chase has done nothing to assist and we just paid off old loans with hard money, we kept banking at same location anticipating a resolution. These loans were over 30 years old with chase and elderly owners ( XXXX & XXXX ). We can not recover from this failure to honor the trust document. Our insurance billed to the closed accounts and is lost as well.
Consumer complaint received 2022-08-23
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. (MO)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX DOB : XX/XX/XXXX XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$13000.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$770.00}
Consumer complaint received 2022-12-05
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.