davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NC)

I CONTACTED PAYPAL REGARDING TRANSACTIONS IN WHICH THE MERCHANDISE WAS NEVER RECEIVED under my user name : XXXX XXXX XXXX  XXXX {$50.00} XX/XX/XXXX Payment XXXX XXXX XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXX {$800.00} XX/XX/XXXX XXXX {$350.00} XX/XX/XXXX Payment " Order Number : XXXX ''
Consumer complaint received 2021-01-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NJ)

Hello, i opened my account with Chime.com on XX/XX/XXXX. I deposited {$5000.00} into the account. However, my circumstances changed and i closed the account on XX/XX/XXXX. At the time of closing, i was told that i will get my check in 3-4 weeks - while this is very unusual, I had no choice but agree to it. I did not get my check by XX/XX/XXXX. I've sent multiple emails to customer service plus discussed on the phone - I keep being told everything is being expedited, but I still dont have my funds as of XX/XX/XXXX. To add, I don't understand what else i can do as my numerous emails and calls are ignored.
Consumer complaint received 2016-09-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (TN)

i recently checked my credit report and noticed that this company has reported that I owe them a debt but to my knowledge I have never receive any notification that I owe this company. I have never entered into a contract with this company and neither have they provided me with any service or goods
Consumer complaint received 2021-03-24
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

Description sent to the FBI and FTC I am currently unemployed and applied for a job using XXXX on XXXX. It was XXXX XXXX  XXXX XXXX position at a XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ). On XXXX I received an email response and was invited for an interview via XXXX with XXXX XXXX. She offered me the job, sent me paperwork to sign, and said they would be purchasing a computer and equipment for me to use. They sent a XXXX  check for the equipment in the amount of {$4800.00}. The checked looked very professional so I deposited it. I've been out of work for soo long and was very excited to get started. They said the check would take 2-3 days to clear, so I offered to use my money to pay the local vendor while their check clears. I went to the bank, got a cashiers check and used it to transfer {$4500.00} to the account they said was their local vendor, who would put everything together and would deliver. The vendor Mr XXXX XXXX texted me and asked to verify my address for the delivery. Meanwhile they asked for a picture of my driver 's license for a background check and had me email it to XXXX When I started getting suspicious I found out the address on their check is the same address for a liquor store in Illinois. I asked XXXX to respond to a XXXX connect/message to verify her authenticity, XXXX XXXX repeatedly assured me that she would, but I never received a response from the real XXXX XXXX on XXXX. Before the interview, I looked up the XXXX Job description but the page was not there. I thought the employer simply stopped taking new applicants. XXXX took down the page and left no warning for me or others. Chase bank lifted the hold on the deposited check and rejected the transfer due to the account being closed. They would not reverse the {$4500.00} transfer either. Furthermore I received a call on XXXX from a real estate agent XXXX of XXXX Georgia asking for a XXXX who had registered my phone number on a XXXX ad. It's a very odd coincidence, hopefully nothing but I am now afraid someone is using my identity. 

The reason I am reporting this to the FBI is that it involves more than one state. I live in California, the check 's address is in Illinois, XXXX is in XXXX Virginia, XXXX is in XXXX XXXX or at least that's where their phones originate from. The communication was through email, XXXX, and text messages from 2 phone numbers ( XXXX XXXX Virginia XXXX ) and ( XXXX XXXX - XXXX XXXX XXXX XXXX ). 

Please Note the XXXX account is still active and I am still getting responses. It is possible to trace a XXXX IP address using a XXXX machine and running a trace route using XXXX command prompt. All I would need to do is allow you access to my XXXX account and you could find this person 's IP address. 

I contacted chase and they are unwilling to help me retrieve my lost money from : Bank Name : Chase Bank Account a name : XXXX XXXX Account Number : XXXX Routine Number : XXXX
Consumer complaint received 2022-10-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Supreme Lending (AL)

Supreme Lending is refusing early payment for my XX/XX/XXXX payment since my loan has been transferred. But I can not pay the new service company until XXXX the XXXX. I make early payments to help with the amortization of my loan. Refusing to allow me to submit an early payment guarantees the company will receive additional interest.
Consumer complaint received 2015-08-14
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (IL)

While on an XXXX XXXX flight, I was told of a special deal available only to passengers who would open an XXXX XXXX Citiadvantage card using application obtained from the flight attendants. The special deal granted XXXX airline miles to new account holders. There were no minimum purchase requirements stated in the fine print or otherwise. When I subsequently inquired about my XXXX miles, I was told by the credit card customer service people that I did not make the required {$3000.00} worth of purchases in the first 3 months as required. When I told them that the airline personnel handing out the applications had specifically stated that there were no minimum purchase requirements, they said that others had also made the same complaint, but that there was nothing they could do, whereupon I closed the account. This was a clear misrepresentation of the card 's terms by both airline personnel and the card issuer. There was also no stated minimum purchase requirement in the materials that came with the card. Please alert others to this deceptive business practice.
Consumer complaint received 2015-08-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: First Data Corporation (OR)

A check which I wrote to XXXX for {$25.00} was returned, and I received the following email from XXXXXXXXXXXX : Greetings from XXXX. 

XXXX uses TRS Recovery Services , Inc. ( " TRS Recovery Services '' ) to process customer payments made via electronic bank account transfers. TRS Recovery Services has been notified that your financial institution was unable to process a transaction relating to your recent XXXX order ( s ). Some of the more common reasons that this may occur include, mis-keying account numbers and/or routing numbers, omitting digits to account numbers or recent changes to your financial institution 's ABA Routing Number and/or account number structure. 

You may be receiving, or have already received, a telephone call from TRS Recovery Services regarding this issue. This contact was authorized by XXXX. 

Most processing errors are correctable with some simple changes to the electronic funds transfer request. TRS Recovery Services has a toll-free number you may use to contact them in order to provide the information necessary to reprocess this transaction. This call should take just a few minutes, provided you have your banking information readily available. 

Please call ( XXXX ) XXXX ( outside of the US, call XXXX ), Monday through Friday, between the hours of XXXX XXXX. to XXXX XXXX. CST, or Saturday between the hours of XXXX XXXX. to XXXX XXXX. CST. 

Both TRS Recovery Services and XXXX appreciate your response and attention to this matter within the next XXXX business days. Once you have addressed this issue with TRS Recovery Services , Inc., please allow two to three business days for your payment to clear. 

Please note that we have placed your XXXX account on hold pending resolution of this matter. This means that you will not be able to access your account/order information online. We will remove the hold from your XXXX account when TRS Recovery Services confirms that the amount in question has been paid in full. We appreciate your understanding. 


Sincerely, Account SpecialistXXXX.XXXXI called TRS Recovery Services at the number and gave a card to pay off the {$25.00}. They took my card and informed me that I had paid. I asked if the sum was {$25.00} and, for the first time, they informed me that I was charged {$50.00}, including a {$25.00} fee and that my account was in collections. I had not been informed that I had been sent to collections, the communication informing me of the debt had neither the amount of the debt nor did it disclose that it was an attempt to collect a debt. It also did not notify me of my right to dispute. I was only notified that I may dispute the {$25.00} fee when I complained about it. They reversed it, but indicated that I would still owe it.
Consumer complaint received 2015-08-12
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: JPMORGAN CHASE & CO. (TX)

My husband received a call on his cell from a person named XXXX XXXX at this number. When my husband asked who he was, what the call was in reference to and how he get my husband 's cell, XXXX refused to give any info except he was having me served and after giving his phone number XXXX hung up. My husband then called the number back to give them my cell number and a female answered with threatening actions and curse words. I came in and my husband asked me to speak with the female who would not give her name, but proceeded to yell and scream at me that I owed a debt and the debt was being turned over to the IRS. After a minute or so I was finally able to get her to be quiet for a moment and asked what company she was calling from and for what creditor she was calling on behalf of. She rudely did not want to answer, she only wanted to threaten me that I was being served and the matter would be turned over to the IRS. I finally got her to say the original creditor was Chase Bank for a sum of over {$19000.00}. I do not have any accounts with Chase Bank and I informed her of such. She continued to yell and curse me out and by that time I simply told her to do what she needed to do and I unpolitely told her to XXXX and at that point she started cursing at me again and I hung up. It seems strange to me that this company would call my husband instead of me and be belligerent to both of us to such a high level.
Consumer complaint received 2021-04-21
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. (MD)

After looking at my credit report I noticed items that were not mine and other items that are fraudulent that I never authorized. I sent some letters to XXXX, XXXX, and Equifax but they said they completed an investigation and they were verified. I even have an FTC report that shows what was fraudulent.
Consumer complaint received 2016-12-08
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Synovus Bank (PA)

On Saturday the XXXX of XXXX, I applied for a secured credit Card from First Progress Bank in Georgia, and sent them XXXX deposit. Later, I found out, that this company had numerous complaints against them, and asked my bank, XXXX to start the process to get my money back. I tried to call or e-mail XXXX, but can not get through to them. I want my deposit back, I do NOT want to do business with XXXX. It 's a hardship on me at this time, as I have no money for XXXX presents. Please help me!! 
XXXX XXXX
Consumer complaint received 2015-03-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

After looking at my credit report, I saw a collection account that does not belong to me. I am not allowed to dispute this information online on Experian or over the phone making it impossible for me. This false information is ruining my credit and knowing full well this people did not do their job and allow people to just post false accounts on my report. They need to delete this information immediately and do a proper investigation as this information is not mine.
Consumer complaint received 2022-10-13
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. (AZ)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-01-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (CO)

I received a credit card in the mail on XX/XX/2021 but I did not apply for a credit card. The mail was addressed under my maiden name. The credit card is through US Bank reliacard. I believe my identity has been stolen. I tried to call the 800 number on the card but you can not get a live person to help. It's an automated system. Please help as I do not know what to do next.
Consumer complaint received 2020-04-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MA)

I was a full time student in XXXX and was receiving unemployment insurance benefits via mass DUA. 

I applied for an unemployment deferment and sent in the form and supporting documentation confirming my awarded benefits. 

Some months later I was told that my deferment was not processed because the information that I sent them was not sufficient. I followed up multiple times to find out what exact form from MA DUA was needed by them. I got varying answers, from agreement that the information met the requirements to denial that it was proof. I asked for follow up from a manager. Months passed ... .I never got follow-up on my issue. I called XXXX and had a conference call with Nelnet in XX/XX/XXXX, again asking to send an example of the Massachusetts form that they needed as proof. I was sent a form to reapply for an unemployment forbearance. 

I have never gotten a rational reply to why my request was rejected and in the meantime my credit is being destroyed.
Consumer complaint received 2021-01-11
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)

I did not Authorize nor did I give Consent to These Account That is on my credit ... 
This is fraud and i want it Off my Credit this is very stressful that i have to experience being a victim of identity theft I would Like This Matter to be Resolved
Consumer complaint received 2016-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (ND)

We have not received a statement from Citi Mortgage who is our lender, since XXXX 2016. In XXXX we had to pay {$26000.00} to Citi Mortgage in reference to a repayment plan due to being denied for a modification. We have no idea what our new balance is. If we have even received credit for that payment. We have also made payments in XXXX and XXXX that we have no record of proof it has been applied to our loan. On XXXX XXXX 2016 we received an email regarding a returned billing statement. The email states that the correspondence recently mailed was returned. I called the number on the email, spoke to XXXX XXXX. He verified the address he has and it is the correct address. 
We have received other correspondence in the last couple months from Citi Mortgage so why would we not receive our statements. Our address has been the same for the last 30 years. 
Citi Mortgage has violated the periodic statement rule. They have violated our right to ensure that we receive prompt, regular, and accurate information about our mortgage loan. 
This error made by Citi Mortgage puts us at risk since we are in a foreclosure status until our repayment plan is complete. In the past we have dealt with an enormous amount of errors made by Citi Mortgage with the modification process and this is another one to add to the list. 
Why an email now and not 4 months back since XXXX is the last time we have received a statement?
Consumer complaint received 2021-01-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

i filed numerous disputes with representatives at Equifax and online for an collections account that is from XXXX XXXX XXXX for the amount of {$570.00}. XXXX is showing that services were in my name at the address XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX. I have never lived at this address i lived with my sister at the time and her address was XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX. I have already explained this to representatives on the phone that the apartment number was incorrect and that i did not live at apartment number XXXX but that i lived at apartment XXXX and it did not belong to me. We never had XXXX services in my name at that Address i have Bank statements that verifies my residence. Equifax refuses to remove this unverified debt from my credit report. This account has also been removed from all other credit bureaus which is evidence that this debt can not be verified.
Consumer complaint received 2020-04-20
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: Experian Information Solutions Inc. (AZ)

My wallet was either lost or stolen, and reported. I also notified the 3 major credit reporting agencies of this. And since my identity been compromised I've noticed unauthorized accounts reporting on my credit file. I'm sure neither of the credit reporting agencies supports fraud so therefore I'm demanding that these fraudulent unauthorized accounts be blocked and removed immediately.

As follow 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX Dept of ED {$1200.00} 4 ) XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-17
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Big Picture Loans, LLC (MI)

Company XXXX is calling me, my family members, and my friends. They are indicating I have some type of loan due however, can not produce a statement but instead keep directing me to a website. I have no idea what this is and they are calling me and my family multiple times a day and it is harassment at this point. The number they call from is XXXX. If I do have a debt, then they are in gross violation of debt collection practices.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/XXXX, I discovered that Wells Fargo Home Mortgage, reported to XXXX ( we believe to all three bureaus ) had only reported 27 payments. The payment history is 9 years. Wells Fargo, incorrectly reported that the Mortgage was included in a now completed Bankruptcy, thus, damaging my Credit History. Wells Fargo was DIRECTLY ORDERED, by the Bankruptcy Judge to not show that its account was " included '' in the Bankruptcy, thereby allowing me to make parallel payments, establishing a payment history. My Case was filed in the U.S. Bankruptcy Court, XXXX XXXX XXXX Missouri, XXXX, Missouri, in XXXX. The act is intentional and violated the FCRA and the Court 's direct order. This was done in retaliation for my being successful in my motion. I believe that I am entitled to relief, for each Bureau, minimum of {$1000.00} per violation and because their action is punitive, we ask that CFPB levy a substantial fine against Wells Fargo.
Consumer complaint received 2021-03-12
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. (LA)

On XX/XX/XXXX, I bought four airline tickets for a trip from XXXX XXXX to XXXX XXXX on XXXX airlines. I used XXXX to purchase the tickets. The total is {$160.00}. 

The trip was scheduled in XX/XX/XXXX, and cancelled because of the pandemic. Yesterday ( XX/XX/XXXX ) I began discussing rebooking the trip and discovered that XXXX stopped flying in XX/XX/XXXX. XXXX is now in bankruptcy in XXXX their web site and phone numbers are disconnected. 

Chase bank refuses to allow me to dispute the charge because they claim I had to do that within 60 days ( of what is not clear ). XXXX says I can use the credits but only on InterJet ( which is never going to fly again ). Chase 's Travel Insurance recently stopped covering bankruptcies and insolvencies.