davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

I filed a dispute for two payments that were duplicated in my account from the bank XXXX for two different credit cards, the dispute department made a mistake and included two other merchants that were not discussed in the call and this cost me over {$160.00} in fees and one credit card closed due to this chargeback. JPMorgan Chase is lying saying that I did include these merchants, when in the recorded call is not true and they deny me the right to listen to the call with them so I can prove them wrong. I have taken this case to their executive offices and they insist they did nothing wrong which is not true and the recorded call proves it. They say that at the time of the call the other two merchants were pending, which is NOT true. I was very specific about the merchant in dispute, XXXX, and the repeated amounts {$2800.00} & {$1900.00}, I remember this call very clearly. I need help, they are abusing their power and do not want to be responsible for their mistake. This has caused me a lot of issues and loss of money. 
thank you XXXX
Consumer complaint received 2022-11-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Profit Services Group (TN)

On XX/XX/2022 approximately XXXX XXXX EST, i returned a call because i was called 3 times back to back. I called them and was hung up on, i called back and the lady was yelling and wouldn't listen, i called back a 3rd time and requested a supervisor. I was put into contact with a very angry, XXXX  person. I told them this wasn't mine because i didn't live there at the time but he argued that i had to have received a bill from XXXX XXXX ( XXXX, GA ) in order to receive the doctor 's bill from XXXX  XXXX. I was trying to explain that I had only been to XXXX XXXX XXXX XXXX in XXXX, but he wanted to argue. I called a personal friend that was the family attorney and he told me to request an itemized document. In the process of making this request the guy still wanted to argue and debate, so i told him to stop, i have a legal right to know what the debt is for in writing, not sure if he sent it, he was SO OFFENSIVE. If they would send the itemized statement, i will show my lawyer my proof and if it's not my debt, i will ask the lawyer to send a letter or handle the debt on my behalf. I gave XXXX my current address, if they can't send proof, i want them to leave me alone and stop harassing me with calls and arguments.
Consumer complaint received 2015-04-15
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: WELLS FARGO & COMPANY (OR)

II called a Wells Fargo Visa card representative and agreed a balance transfer to my Wells Fargo account of {$7000.00}. The representative stated that it was a 0 % interest loan and that I would be charged {$15.00} a month for 15 months. The conversation was recorded and I agreed to the transfer over the phone. 
After completion I called back to check with Wells Fargo Visa and am now being charged between $ 75- {$80.00} a month for this loan instead of the quoted amount of {$15.00}. The manager XXXX # XXXX agreed that it was a bank error but would not honor the original quoted monthly amount of {$15.00}. 
I would like the bank to honor the verbal agreement they offered at the time of the loan.
Consumer complaint received 2022-11-21
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: CITIBANK, N.A. (OH)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late For any purpose
Consumer complaint received 2022-02-23
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you thatthere is no third party involved in the process. I sent letters to Equifax Credit Bureau the dateof the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX andstill nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASE UPDATEOR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ( Original Creditor : ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-29
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. (NC)

XXXX XXXX {$830.00} I have tried resolve this issue several times no results they cant prove the account is associate with with these is stopping me from applying for a home and car according to 15 U.S.C 1681 there shouldn't be any damages on my report its defamation to my character
Consumer complaint received 2015-04-04
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Check First Inc (VA)

Borrowed {$300.00}. And had a 100 dollar fee. Then a 55 dollar fee then the day it was due they added another fee of 55 dollars! I ended up paying 500 dollars for a 300 dollar loan! Somebody ripped me off! Thanks!
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (MO)

Complaint XXXX was closed as a " duplicate '' complaint. This is NOT A DUPLICATE. This is simply a new occurrence, which is a new violation, of the SAME EXACT FRAUDULENT PROCEDURE. This recent violation occurred on XXXX. That is not the same as the violation stated in any of the previous complaints. Specifically complaint XXXX was mentioned. That complaint was about the violation on XXXX. There was a separate violation with XXXX on XXXX. 

This is how this fraud and game is played by these companies. Self Inc. / Lead Bank agreed to remove a late payment over the phone for 2 different accounts ( XXXX ). Then decided that they wouldn't delete the late payments the next month. Then in XXXX of 2022 they agreed to send a request to remove the late payments for both separate accounts. This request has been sent to the 3 major Reporting Agencies on XX/XX/XXXX, XX/XX/XXXX and the XXXX of 2022. All 3 times Self Inc. / Lead Bank also validated the late as accurate. Which basically put the entire process in reverse. So the late was removed and it reflected on my report and score and then days later it was reverted back to showing late. Again this is 3 separate issues with the most recent being this month just 4 days ago on the XXXX of XXXX. 

Self even admitted to such in their response to complaint XXXX. They remove it but then days later XXXX will do a dispute process after the correction has already been made. Then they send the dispute back to Self and Self validates the late as accurate and it goes back on the credit profile and the XXXX score drops almost instantly again. Even though they all get the complaints at the same time XXXX seems to conveniently run the dispute after the other companies resolve the issue. This late response always turns the issue back into a dispute and then basically back where it started. 

On 3 separate occasions they have done this. I know the XXXX  system, the data fields and XXXX language. I know about the XXXX and The Credit Reporting Resource Guide. I know the FCRA and the regulatory structure, I know about the FDCPA. And I know that there are numerous blatant violations with just this account alone. 

XXXX responds slowly to everything. Their delay is causing a resolved problem to be unresolved. Self Inc / Lead Bank is compounding the problem by re-validating. 

This is not a coincidence. This is a pattern. I have avoided litigation with Self Inc. ' Lead Bank ' because I felt that their efforts were respectable. But after seeing this pattern I now come to the belief that a lawsuit is the only way to truly get remedy and justice. Lead Bank is located in XXXX XXXX, MO so venue for a claim is local. 

So again, and for the final time this is my formal notice to file suit against Self Inc. / Lead Bank in 15 days on XX/XX/2022. I have already filed against XXXX. I will petition the court of XXXX XXXX, MO with a claim against this company for several violations.
Consumer complaint received 2022-02-23
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (CO)

Forbearance and deferment need to be added to the PSLF waiver. So much information I received was incorrect. I was working full time while in XXXX XXXX, and was never told that when they automatically put the accumulating loan in forbearance I would lose years toward PSLF. I could have made payments during this time if I hadn't been steered in the wrong direction. I would be at the 10 year/120 payment mark by now if Fedloan had given me the correct information. This system is broken, and it's breaking me.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Goodman Frost, PLLC (MI)

I logged into XXXX website on XXXX XX/XX/2022. Found notification from XXXX XX/XX/2022 stating a collection agency, Goodman Frost, conducted a hard-pull on my credit file without a permissible purpose. The type of pull was identified as being related to an " instalment loan or new bank account inquiry. '' I have had zero ( 0 ) contact with the colection agency and am unaware of what any potential collection action could be for.
Consumer complaint received 2022-11-21
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. (PA)

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 Bank XXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : 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 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 2022-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NE)

I opened an Access checking account with Citi for use of stipend funds for foster care so that the money would be kept separate from my personal finances, and could be used as needed for the care for my XXXX XXXXXXXX. I opened the account XX/XX/XXXX and funded it with 2 checks from my adoption agency, XXXX XXXX XXXX, using electronic ( mobile ) deposit on XX/XX/XXXX. the checks were accepted and indicated " funds available '' within 3 business days on my Citi app and when calling the automated Citi customer service line. 
I did not access the account for several weeks until last week ( XX/XX/XXXX ) when I needed to use funds for one of my foster daughter 's band booster payments. The account was locked and funds could not be accessed. I contacted Citi XX/XX/XXXX about the issue. I was transferred at least 5 times to various departments, and was finally advised that the funds were pending verification of the checks ( from a month previous ). I asked why I had not been contacted if additional information was needed, but got no answer. I called again the same day for status update, assuming that someone had contacted the issuer of the checks. I was told that I NEEDED TO VERIFY THE CHECKS. I provided all of the information that I had ( several times ) and then explained that I am not a bank -- it is not my responsibility to verify checks. I called the following day ( XX/XX/XXXX ) and spoke to another " security rep '' with Citi who was barely English-fluent and who was incredibly rude and told me that nothing would be resolved unless I verified these checks. There was literally nothing else that I could do to work with Citi to resolve this, and was told that there was nobody else I could talk to. When I expressed extreme frustration, the rep hung up on me and I decided that I needed to explore another avenue to resolve this. 
I contacted the issuer of the checks, XXXX XXXX XXXX XXXX department, who confirmed that the checks cleared and the money debited from their account on XX/XX/XXXX. There is nothing pending verification, and has not been. I suspect that I have been defrauded somewhere in the Citi system, but there doesn't seem any recourse for it. I can provide additional supporting documents ( emails, account information ) as needed.
Consumer complaint received 2018-05-27
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: Bread Financial Holdings, Inc. (FL)

Requested the help of the companies to remove the inquiries I am not aware of. Customer service refused to help me XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX via XXXX XX/XX/XXXX XXXX via XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX As you can see there a multiple. Again I am not aware.

Thank you
Consumer complaint received 2015-12-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CMI Group, Inc. (NM)

To whom it may concernMy name is XXXX XXXX XXXX, Address XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX. XXXX. XXXX XXXX XXXX XXXX has been my permanent address since XXXX. During the time between XXXX and today I have never lived anywhere else except for two years XXXX military XXXX, XXXX. I left XXXX, XXXX in XXXX. 
The purpose of this communication is to contest this a delinquent/collection account, negative credit report, and the {$620.00} that Credit Management LP/ XXXX alleges that I owe to XXXX XXXX. For the records, I have not received at my address any bills or statements from XXXX or Credit Management LP. I found this info via Credit Report Monitoring. Currently I do not have a XXXX or XXXX account or any XXXX services in my home. I visited the local XXXX office in XXXX, XXXX to ensure that they had not inadvertently bill me. They had no record of me owing XXXX in XXXX. I believe this is a case of mistaken identity. 
This is the second time that XXXX has billed me and collection agencies have placed negative information on my credit report. I unsuccessful contested the previous billing. Having no recourse, I paid the {$310.00} that XXXX alleged that owed. The alleged bill was from an old address in XXXX, XXXX where I lived in XXXX. Once again, I have never lived in XXXX since XXXX. XXXX did not exit in XXXX. 
I spoke with a person from Credit Management LP regarding the delinquent account. I explained the situation. She asked me for my SSAN. I gave it to her, she said that the billing had a different SSAN and was probably a case of mistaken identity. She asked me to send proof of my SSAN and my address for XXXX. I am doing so.. 
The local XXXX office suggested I file a Police report and send it to XXXX. The police report # is XXXX, filed with the XXXX, XXXX Police Department. I am requesting XXXX remove me from the XXXX, XXXX address so this mistake does n't happen again. 
Finally, I have no problem meeting my financial obligations and paying my bills. If I fact owe XXXX money I will pay upon receiving a statement that proves that I owe them. However, I do n't intend to continually pay accounts that I did not create. 
I can be reached by email : XXXXXXXXXXXX or phone : XXXX XXXX if more information is required. 
XXXX XXXX
Consumer complaint received 2022-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (AR)

I received an alert through my identity monitoring service about debt with Rent Recovery Solutions for an apartment lease in XXXX  for XXXX. I have never lived in XXXX I have lived at the same address in XXXX since XXXX. My monitoring service reported the fraud in XX/XX/XXXX. I also reported it to the XXXX XXXX apartment complex. When I reported the debt was fraudulent, they hung up on me. On XX/XX/XXXX, a fraud packet was sent to Rent Recovery via fax and again via certified mail which they signed for. The package included an ID Theft Affidavit, proof of Id, police report information, proof of my residence, etc. I have lived at the same address since XXXX in XXXX. I also included a Power of Attorney for my Fraud Resolution case manager XXXX XXXX. We have left several messages for rent recovery to discuss the account and make sure no further documentation was needed. Rent Recovery Solutions has failed to return any calls and has not confirmed receipt of the package or that the account is under investigation.
Consumer complaint received 2023-03-29
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: GOLDMAN SACHS BANK USA (CT)

I was charged inappropriately for an item refunded by a vendor on my XXXX ( XXXX ) statement. I have auto-payment from my bank account for the full balance every month, but in the XXXX statement this is not reflected in the balance due. I have tried calling 4 times- was disconnected before completing the call 3 times and the 4th time was not resolved until after >45min on the phone and was connected with a supervisor who acknowledged the error. However this took several calls, emails and auto-responses telling me there was no error. I will now be closing this card as I can not afford all the time and pushback from the Goldman Sachs/Apple Card staff who appear undertrained.
Consumer complaint received 2022-02-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Credova Holdings Inc (GA)

On XX/XX/XXXX of XXXX  at XXXX I requested for an extension of credit pursuant to 12 CFR 215.3 to Credova Financial LLC through their online website, according to the Truth in Lending Act 15 USC 1602 ( f ) to have " Credit '' is my Right to incur Debt and defer its payment. After filling out the application and providing the company with my personal information, social security & credit card number 15 USC 1602 ( 1 ) they responded to me through email at XXXX minutes after I submitted the application with an Adverse Action pursuant to 15 USC 1691 ( d ) ( 6 ) denying me my right to credit.

Within this Adverse action the company Credova Financial LLC have broken the law ( 6 ) times Violating FDCPA and FCRA pursuant to title 15 USC 1692f ,15 USC 1692j, 15 USC 1692e ( 10 ) ,15 USC 1692d, 15 USC 1681q, and 15 USC 1681 ( a ) ( 1 ) ( 2 ) In the adverse action the company informed to me that they gave the offer " careful consideration '' but noted that the " Application information provided can not be verified. '' which is false because they provide me with a credit score and said, '' Our decision was based in whole or part on information in a credit report. '' then soon after mention that " The credit reporting agency played no part in our decision. '' which is very misleading considering what was just said to me the sentence before. Then finally at the end of the letter they stated, " We obtained your credit score from the credit reporting agency and used it to make our decision. '' which is deception and contradicts everything that was recently said in the beginning of the letter about not being able to verify the information.

At that moment Credova Financial LLC charged my credit card for the purpose of obtaining services on credit pursuant to 15 USC 1602 ( 1 ) in doing so made an inquiry on my consumer report while simultaneously denying me credit by use of false and misleading representation through an adverse action letter. Credova Financial LLC committed a crime pursuant to 15 USC 1611 ( 1 ).

The entire Adverse Action letter was false and misleading representation 15 USC 1692e, unfair practices 15 USC 1692f, Harassment 15 USC 1692d, furnishing certain deceptive forms15 USC 1692j and obtaining information under false pretenses 15 USC 1681q and held no accuracy & fairness of credit reporting according to Title 15 USC 1681 ( a ) ( 1 ) ( 2 ).
Consumer complaint received 2022-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (AR)

Hello, I submitted my PSLF paperwork to fedloan in XXXX. In XXXX they approved 83 payments. They did not include payments I made from XXXX XXXX XXXX while I was working for the XXXX XXXX for a member of XXXX and that employment was also not listed as an approved employer. I have called FedLoan 3 times but they tell me I need to wait to for the waiver to be applied. But these payments arent part of the new waiver and should have already been counted. I submitted a complaint through studentaid.gov on XX/XX/XXXX. Their website says 15 days and I should hear back but I called at 15 days, 30 days, and again today at 35 days and they still have no information.
Consumer complaint received 2018-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I HAVE A XXXX XXXX CREDIT CARD THAT WAS PAID ON TIME AND IS SHOWING A 30 DAY LATE ON MY CREDIT REPORT FOR THE MONTH OF XX/XX/XXXX. I MADE TWO PAYMENTS ONE FROM MY ONLINE BILL PAY AND THE OTHER ON XXXX XXXX CREDIT CARD BILLING SITE. THE ONE I MADE ON XXXX XXXX SITE WAS ACCOUNTED FOR THE ONE THOUGH BY BILL PAY WAS NOT AND THIS IS THE ONE THAT RESULTED IN A 30 DAY LATE.

XXXX XXXX REP STATED THAT THIS WOULD BE CLEARED BUT I HAVE NOT RECEIVED ANYTHING IN WRITING STATING THIS FACT.