davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-27
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. (RI)

I recently reviewed my credit report and noticed the following inaccurate fraudulent information that are negatively affecting my good character and reputation ACCOUNT NAME : XXXX XXXX All Three listed below have inaccurate information OPEN DATES LAST REPORTED DATES DATE LAST ACTIVE
Consumer complaint received 2022-02-14
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. (VA)

Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (NV)

I was given a giftcard ( XXXX ) before I could open it ( XX/XX/XXXX I opened it ) the funds were used by someone in a different state. After 4 hours I finally got someone that filed a dispute for me on card ID # XXXX which they concluded was an error and stated they were refunding me the missing amount on {$99.00} ( {$1.00} was left on the card ). Dispute claim # XXXX. The card was canceled when I originally filed the dispute. It was not refunded back to that card, I haven't received a new card and I spent 3 hours on with customer service whom said they couldn't help me because they couldn't verify the original card #, the dispute claim number or the card id #. They have {$100.00} of my money that they need to make available to me.
Consumer complaint received 2022-05-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (CA)

I paid off the loan for the lease buyout on my XXXX XXXX XXXX with Chase Bank in XXXX. Last summer I learned that Chase Bank hadn't issued me the title to my vehicle when I went to sell it. I've been trying to work with the bank since XX/XX/XXXX to get title to my vehicle. During this time Chase Bank has made no progress on getting me the title to my vehicle. 

As of XX/XX/XXXX, Chase bank claims to have mailed me the lien release document that I need, so I can go to the DMV and get title to my vehicle. However, they sent the document to an old address and not my current mailing address that is on file with the bank. In addition, when I finally do get title for my vehicle, the DMV is going to require that I pay the sales tax for the lease buyout. The sales tax for the vehicle was covered in the loan that I got from Chase at the time I bought out the lease. So Chase is essentially profiting by keeping this money and not using it to pay for the sales tax.
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (IL)

Reference Case Number XXXX Hi, My name is XXXX XXXX. I received a call from Citibank about a fraud charge and thats when I noticed five fraud charges on my bank account. Following are screenshots of the transactions.

1 ) I solemnly take an oath that these transactions were not initiated by me.

2 ) I have not shared my username and password to any individual.

3 ) Citibank called to notify that they suspected fraud transactions.

4 ) I called XXXX and they claim that they have not received any funds when I provided the Citibank account number. They did not allow me to file a case at XXXX. They claimed that Citibank will reach out directly to payal to investigate. Attached is my transaction in my XXXX  since XX/XX/XXXX. It is possible that it was not sent to XXXX? 
5 ) It seems like I have been hacked as XXXX website claims that my information was leaked.

6 ) I filed a police case report Case number XXXX Documentation attached. 
7 ) I reported theft at identitytheft.gov. The reference number is XXXX. Document attached. 
8 ) I added initial security on my credit file. Confirmation attached.

9 ) I also file XXXX data breach settlement. Documentation attached. 
10 ) I have filed a FBI, IC3 complaint and a copy is attached.

11 ) I have filed a fraud report with ReportFraud.ftc.gov Reference number is XXXX. Documentation Attached. 

Please review this information and advise as this is hard-earned money and I should not be punished for security that is not in my control. 

Thanks XXXX XXXX XXXX
Consumer complaint received 2022-10-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NY)

Never been notified of debt execpt when filed XXXX XXXX. They are trying to collect on a debt from a bill of sale from XX/XX/XXXX. To this day of the complaint never receipt any information on it. Also they never filed for a lean on the property. 

Also read this law. ( Thanks to a law passed in XXXX, the statute of limitations of debt in New York is three years, which means that's how much time a debt collector has to file a lawsuit to recover the debt through the court system ). 

If I amd reading the right right that was passed then the statute of limitations has passed because they bought the debt on XX/XX/XXXX and we are in now XX/XX/XXXX. 

The Bill of sale was never dated when signed. 

The most recent the tried to collect was around was on XX/XX/XXXX. I do have docket if needed. 

The Company is : Jefferson Capital Systems LLC XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Consumer complaint received 2022-02-14
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. (MI)

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of addressing the items listed below, to be updated from my credit reports. They neither corrected nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me fix the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-02-14
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)

Originally I contacted XXXX XXXX on XX/XX/2021 with an Cease and Desist for them to stop violating my consumer rights, by posting late payments on my credit report, sending me bills witch are in a positve balance and using deceptive means to make me believe I owe a debt. They were harrassing me and causing me mental stress. XXXX XXXX responded by closing my account and illegally reporting negatively to the consumer reporting agencies. I also sent them an XXXX  of Truth with my Exhibits on XXXX. They never repsonded to my XXXX with an XXXX  which now puts them in Default. On XXXX I sent them a XXXX XXXX  with Exhibits and an invoice for federally violated consumer rights. Im demanding that they give me my specified remedy and pay my invoice. I will follow up with litigation.
Consumer complaint received 2022-05-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY (AZ)

My name is XXXX XXXX XXXX, XXXX federally protected consumer. I am making this complaint against WELLS FARGO BANK N.A. for violating a cease and desist notice received by them on XX/XX/2022 and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I am aware only of and not limited to, the clever fraud being guised under subtle nuances and subtexts that I will be addressing in this response to an unsatisfactory reply that was received by myself on XX/XX/2022. As it currently stands, I have sufficient evidence and reason to believe that under direct violations of 15 USC 6801, GLBA, 15 USC 1681s-2, and other FCRA binding laws, WELLS FARGO BANK N.A XXXX IS CONSPIRING TO COLLECT A DEBT THROUGH THE USE OF EXTORTIONATE MEANS BY FURNISHING NEGATIVE INFORMATION TO CONSUMER REPORTS AS PUNISHMENT FOR NONPAYMENT THEREOF. UNDER THIS TITLE, 20 YEARS OF IMPRISONMENT IS THE FINE THAT WELLS FARGO BANK N.A. WOULD BE FACING. I have attached my response and resolution letter, a Cease-and-Desist notice, Exhibit A, which is a copy of XXXX reporting on my consumer report, an FTC report labeled Exhibit B that will be used when filing for litigation in Federal Court to this complaint , and Exhibit C, the company 's response to my original CFPB complaint # XXXX. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until WELLS FARGO BANK N.A. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and WELLS FARGO BANK N.A. continues its collection efforts, I will file for litigation for actual damages caused and WELLS FARGO BANK will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud.
Consumer complaint received 2022-05-27
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. (FL)

In accordance with the Fair Credit Reporting act 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 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 2022-05-27
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Incomm Holdings Inc. (IL)

On XX/XX/XXXX I received a prepaid XXXX card from XXXX  that I did not apply for or request. The card is attached to a XXXX checking account ( the account number and routing number are on the letter that came with the card ). I have tried contacting XXXX, the only phone number available ( XXXX ) requires you to enter either your social security number or the card number before talking to a person. As I do not want to activate this card, I did neither. I was eventually able to bypass this step by entering multiple zeroes followed by #. The first person I talked to on XX/XX/XXXX gave me the number XXXX, which is unallocated. The second person I talked to ( on XX/XX/XXXX ) said they were transferring me to another department, but after 15 minutes on hold I was disconnected. I tried contacting XXXX, but they told me to contact XXXX. 

I just want these accounts closed and a fraud report created with both institutions. I had a similar situation happen in XX/XX/2022 with XXXX XXXX ( an online checking account was created using my identity ) and XXXX was much more helpful and easy to contact. I could find their Fraud number by XXXX.
Consumer complaint received 2022-05-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

In XX/XX/2021, two checks from my bank account were intercepted in the mail. The original information was erased or whited out, and the checks were forged with different amounts to two separate recipients and deposited in fraudulent accounts in XXXX XXXX. The checks were # XXXX for {$16000.00} withdrawn on XX/XX/2021 and # XXXX for {$9500.00} withdrawn on XX/XX/2021. I was traveling in XXXX and XXXX and don't believe I received my XXXX statement that would have shown the deposit of check # XXXX as a result of my mail being held. I filed a claim ( claim # XXXX ) with my bank, Chase on XX/XX/2021. I also filed a police report with XXXX XXXX ( Complaint # XXXX ). 
After several months, Chase reimbursed me {$9500.00} for check # XXXX, but refused to reimburse the {$16000.00} because my claim was more than 35 days past the date that the check posted. From the Chase side, both checks were several times larger than any check I had ever written before, the handwriting was not mine, and the out-of-state recipients had no interaction with my account in the past. There were no fraud alerts or attempts to contact me. From the the XXXX XXXX side, the fact that these were deposited into two separate fraudulent accounts in the same bank demonstrates negligently inadequate KYC controls. 

I am in disbelief that this can happen in an American banking system ... .that if you don't catch something in 35 days, that the money is gone ... that there would be no flagging or fraud alerts despite the size of the checks, the different handwriting and the likely suspicious activity on the accounts that the checks were deposited into.
Consumer complaint received 2022-02-14
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. (MI)

Please Remove all Fraudulent accounts and inquiries as i have no knowledge of any of these accounts they are being investigated by the FTC, According to FCRA 605B this information must be blocked immediately until the investigation is over.
Consumer complaint received 2022-04-20
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: WELLS FARGO & COMPANY (TX)

The company points out in a prior complaint a settlement and the details of the settlement but fails to acknowledge that the account turns to income once charged off. The account was charged off on XX/XX/XXXX. After the settlement balance was paid there was a 1099c issued XX/XX/XXXX with a discharged balance of XXXX that is required by law to be reported to the IRS as income by the consumer. The account status is no longer debt but INCOME. Reporting this account as anything other than income after the the company has charged off the account is inaccurate and income DOES NOT get reported on a consumer report which is why the account needs to be deleted. Wells Fargo was relieved of the tax burden with this account and the tax burden then placed on the consumer when charged off. There's also case law to back up what I've just stated. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I've been very direct in pointing out how the company has violated the FCRA. At this point the company is willfully non compliant given I have put them on notice prior to this complaint. Under 15 usc 1681n Wells Fargo can be held for civil liability for willful non compliance. Delete the account from my consumer report.
Consumer complaint received 2020-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

The servicing company Loancare XXXX, they NEVER call me back after having calls dropped and them not calling back and they never have a answer when i do talk to them, they always say that they will call back but never do and then i get a XXXX letter in the mail with no answer and the same thing i can see on my online profile.
Consumer complaint received 2022-02-14
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. (MS)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-05-14
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Accounts # 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 an account without my written instructions
Consumer complaint received 2022-02-14
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. (CA)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-05-27
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: Chime Financial Inc (TN)

Yesterday when I woke up, I had noticed someone trying to use my card for XXXX at XXXX. That made me instantly go check my account. I noticed SO many transactions that werent mine so my first thoughts was to call CHIME and dispute all of my charges. Usually when I dispute a small amount theres no problem they give it right back, but they definitely aint looking forward to refunding my XXXX that was stole off of my card! They checked my account and saw that my card was being used in XXXX, XXXX  while I was in XXXX, XXXX  spending time with my girlfriend. After disputing all 97 Charges, including the pending ones, he said that they would be in contact with me up to 45 days. After about 40 or 45 minutes, they send an email saying they found no errors and they basically wasnt going to give me any of my money back!! Im obviously devastated and WONT let that much money slip away! Im a single XXXX year old mother that was left with XXXX dollars! Chime will be getting a lawsuit if its not a solution to this! Ill show very little of the proof below of my card being used at the EXACT SAME TIME I was using it in a state 3 hours away and Chime saying they found NO errors because somehow they think Im a shapeshifter and I was living life in XXXX and XXXX  at the same time.
Consumer complaint received 2021-04-14
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)

Their are two incorrect accounts that are reporting on my credit reports, that impacting me poorly. 

XXXX XXXX XXXX  {$320.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$880.00}
Consumer complaint received 2022-02-14
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. (OH)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-02-14
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. (KY)

THERE ARE MULTIPLE INQUIRES THAT ARE LISTED BELOW THAT ARE REPORTING ON MY CREDIT REPORT THAT WERE NOT AUTHORIZED BY ME. I HAVE REACHED OUT TO EQUIFAX SEVERAL TIMES, I HAVE SENT LETTERS AND NOTHING HAS BEEN DONE. THESE INQUIRIES THAT ARE REPORTING ARE ALSO DUPLICATED INQUIRES WHICH I HAVE BEEN ASKING TO BE REMOVED.
Consumer complaint received 2022-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

In 2021 my mortgage was sold to Mr Cooper. Prior to them taking on the loan, they paid property taxes when they were paid out of the former servicer escrow. They repeatedly have refused to address the issue with the City of XXXX and we are currently out of pocket ~ {$5000.00} and they and the City refuse to reimburse us the homeowners.
Consumer complaint received 2022-05-27
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. (FL)

In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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 2022-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (DC)

Navient is still servicing two of my XXXX student loans. I had t pay fXXXX XXXX and XXXX. They want me to reapply for IDR program with them, but they are no longer listed as a federal loan service as of the end of XX/XX/XXXX. If that is the case, why was I charged for two months into XXXX?