davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2019, my wife and I noticed ( 3 ) fraudulent charges on our joint checking account. All ( 3 ) charges were schooling related - XXXX XXXX and XXXX XXXX. Neither my wife or I are involved with any form of schooling, we don't have children, and we don't have other family members with access to our accounts. We called and filed a claim with Chase Bank for these charges. Sometime the week of XX/XX/XXXX, we received a letter in the mail from Chase Bank stating that they had concluded their research into the claims and found that the XXXX XXXX charges were valid and that they were taking that money out of our account ( {$110.00} ). We called Chase on Monday, XX/XX/XXXX to figure out what was going on. Chase informed us that the billing address and zip code used in the fraudulent charge matched our actual address and zip code, so they denied the claim. What they did NOT tell us, was that the email used in the purchase was XXXX ( we discovered this later on through XXXX ). My wife and I had to spend our work day digging into this and figuring it out because Chase told us that there was nothing they could do. I spent hours on the phone trying to get ahold of someone at XXXX XXXX after Chase told us they weren't going to help us. Finally, we got a hold of someone at XXXX who told us via email that the XXXX was used with the purchase. This email address is associated with a college in New York. After finding this out, I called Chase again and talked to them about the findings and faxed the findings over to them in order to try and get a refund. However, we haven't received anything back from them as of yet. Chase informed me on my final phone call with them that when they do their investigations, as long as ( 1 ) of the pieces of information in the fraudulent activity match ( email, address, name, etc ), they will automatically deny the claim. So we were denied our refund originally because the person who used our card number illegally had my wife 's name and our address, but yet the email address was based out of New York! 

This complaint is not against XXXX, as they did what they could to help us. This complaint is against Chase Bank. They have an entire team who are paid to investigate fraudulent charges on peoples accounts. They completely overlooked the New York email, denied us our refund, and forced my wife and I to do their research for them. Anyone with the slightest amount of common sense would have looked at the email and red flagged it immediately. 

As of 24 hours after providing the findings to Chase, we still do not have a refund for our {$110.00}.
Consumer complaint received 2019-03-05
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. (OH)

I have been going over my credit report trying to refinance my home. I noticed accounts that I have never done business with and I do not have a contract for business with. I was told to file a report and contact the CFPB AND FTC. The following accounts are not mine : XXXX DEPT # 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 & XXXX # XXXX* XXXX XXXX # XXXX*, XXXX XXXX XXXX* I am not sure who is using my name I use to live in XXXX I now live back to XXXX.
Consumer complaint received 2022-10-04
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. (TX)

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 a open end consumer credit plan as late for purpose.
Consumer complaint received 2020-11-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MI)

On XXXX XXXX XXXX Mr. Cooper Mortgage added a {$1100.00} XXXX XXXX  Policy to my mortgage acct. This policy was not for the mortgage at XXXX XXXX XXXX, XXXX XXXX Mich. XXXX. I had already renewed my homeowners XXXX policy on XXXX XXXX, XXXX  in the amount of {$790.00}. After calling XXXX XXXX and Mr.Cooper the policy was cancelled. However Mr. Cooper refuses to update my escrow account and the false charges have increased my payment from {$700.00}. to {$760.00}. I can not pay that much we are seniors on a fixed income and my husband is a XXXX Vet with stage XXXX XXXX.
Consumer complaint received 2020-05-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (WA)

I have ordered checks twice from my bank Ally. Once in XX/XX/XXXX, and once recently in XXXX of XXXX. Both times the checks were sent to a former address, XXXX houses ago. After the first time I raised lots of alarms furious with my financial institution for sending literally blank checked with my routing and account number to a house in which I no longer live. I got " We're sorry, it won't happen again. '' Fast forward 7 months and sure enough it happens again. How can I trust a financial institution with tens of thousands for my money when you can't even send financial paperwork to the correct address? 

I have given this company a second chance and they have failed me. It's time someone with regulatory authority investigate Ally for this flippant disregard for customers ' financial information.
Consumer complaint received 2020-12-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (FL)

This company has added 15 collections to my credit report in less than a month. I was in the process of getting a mortgage, and can no longer qualify for the lowest interest rates, since my credit score dropped 100 points. The debts do not belong to me. I have never been to a doctor, or hospital. I have even reached out to the original debt company, and they stated they have no records of mine. Ive asked this debt collector to provide me with any paperwork, in writing, but they refuse. They ask for me to call in. It seems to me like they have me confused with someone else.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (PA)

Equifax un-froze my Equifax credit file in 2018 without my consent and for the last six months has been either unable or unwilling to re-freeze it. In fact, when I complained to CFPB about this incompetence at Equifax, the response from Equifax was to state that the complaint was resolved and my Equifax credit file is NOT frozen.
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

I had a bankruptcy over 10 years ago. During the tough times of past recession years, I struggled but managed to keep my home. I have kept my mortgage payments current and would like to refinance to a lower interest rate. I am having problems qualifying because my mortgage company XXXX XXXX XXXX, formerly XXXX refuses to report my payment history to the 3 major credit bureaus ; other lenders have told me without that information on my credit report, they will not consider refinancing my loan. 

I am stuck in a situation where I can not lower my current interest rate or get an equity loan to make many vital repairs. My home is old and desperately in need major of work. I have a decent income from a stable organization and a small amount of savings. 

Please assist me and others that are trapped in this dilemma even though we have moved on and are diligently trying to keep moving forward. 

Your assistance would be much appreciated. 

Sincerely, Homeowner on the rebound
Consumer complaint received 2020-05-31
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: BARCLAYS BANK DELAWARE (OK)

My little boy accessed my Barclay credit card which is tied to my XXXX account without my permission. He proceeded to go on an unauthorized shopping spree not knowing that it was costing real money, It wasnt until I checked my credit card statement that I noticed he had made a bunch of charges that are listed below. I contacted the credit card company and they imediately reversed some of the charges. They are refusing to credit the rest of the charges. My son is under age and used my card without my permisson. I don't see how they can hold me responsible for unauthorized charges made by a minor. I have contacted XXXX XXXX XXXX and they are refusing to refund the charges. I told them I would delete the downloads or send them the XXXX console. They still refused and now I am blocked from contacting them. 


XXXX XX/XX/2020 {$99.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XX/XX/2020 {$1.00} XXXX XX/XX/2020 {$49.00} XXXX XXXX XXXX XX/XX/2020 {$39.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XXXX XX/XX/2020 {$99.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XX/XX/2020 {$9.00} XXXX  XX/XX/2020 {$49.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XXXX  XX/XX/2020 {$1.00} XXXX XXXX XX/XX/2020 {$49.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XXXX  XX/XX/2020 {$1.00} XXXX XXXX  XX/XX/2020 {$1.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XXXX   XX/XX/2020 {$49.00} XXXX XXXX  XX/XX/2020 {$99.00} XXXX XXXX  XX/XX/2020 {$99.00} XXXX XXXX  XX/XX/2020 {$1.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XXXX  XX/XX/2020 {$49.00} XXXX XXXX  XX/XX/2020 {$10.00} XXXX XXXX  XX/XX/2020 {$14.00} XXXX XXXX  XX/XX/2020 {$5.00} XXXX  XX/XX/2020 {$5.00} XXXX XXXX  XX/XX/2020 {$10.00} XXXX XXXX  XX/XX/2020 {$10.00} XXXX XXXX   XX/XX/2020 {$10.00} XXXX XXXX  XX/XX/2020 {$36.00} XXXX XXXX  XX/XX/2020 {$5.00} XXXX XXXX  XX/XX/2020 {$10.00} XXXX XXXX  XX/XX/2020 {$10.00}
Consumer complaint received 2021-01-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SoFi Mortgage, LLC (TX)

I closed on a refinance with SoFi in XX/XX/2020. As part of the refinance, I prepaid a total of {$6400.00} for taxes for 2020, which was to be escrowed until taxes were due, and in turn paid. 

I have come to find out that I am entering delinquency for property and municipal district taxes, and only the taxes to the school district have been paid. 

I have made multiple attempts to resolve with SoFi, to no avail. 

I get a different response from each person I speak to - ranging from being told that I am responsible for 2020 taxes and no one being able to answer where the taxes I prepaid went to, to being told to contact my SoFi loan officer, who is completely unresponsive at this point.
Consumer complaint received 2020-05-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (TX)

Dear sir or madam, My original complaint : This is regarding my PayPal account created in my name : registered email address : XXXX My account was permanently limited without reason or explanation. Only after I filed a complaint with the XXXX  did they give an explanation. But it is not satisfactory. All they say is that my activity is somehow " suspicious '' without explaining what this means, or why they feel this way. They said they will put a hold on my money for 180 days. At this time I have over {$600.00} in my account and it is a lot of money, and quite a hardship they are keeping it, during this pandemic. 


After 180 days have passed, Paypal did not return my money. They took my balance and deducted it to zero, so Paypal basically took my money without reason or explanation. I filed a complaint 180 days ago with the XXXX. I want my money NOW, and I don't want to hear any more excuses from Paypal. 


Please help me. 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-19
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: DISCOVER BANK (GA)

I have sent many dispute letters to XXXX and XXXX in regards to the Discover Account that is reporting on my credit file. This account do not belong to me and have never belonged to me. This account belongs to my father XXXX XXXX. However, it is reporting my credit file. Please help me to get this account removed from my credit file. I have submitted many documents including and FTC fraud form. Please help me to remove this account from my credit file.
Consumer complaint received 2020-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have sent multiple disputes to Equifax credit bureau and I have heard nothing from them, I have attached multiple documents to help with investigation and multiple times my investigation has come back verified as 100 % correct. Per the fcra Equifax should be doing 100 % check on items I am reporting as incorrect. documents attached is evidence.
Consumer complaint received 2019-03-05
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: AmeriCollect (FL)

Americollect is in violation of my HIPPA rights. I reached out to the company over 30 days ago and no response. I requested validation of the alleged debt and haven't received anything.
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (ME)

XXXX  allows Weekly access to Credit Reports due to Covid-19 equifax has made obtaining credit report online impossible ; with security questions that I have no idea the answer to, as not relevant to my credit .... 
I sent a packet USPS with a Tracking # on it, which equifax received in early XXXX, and equifax has failed to update the report sent to me in the mail accordingly. I have an old dispute login for equifax that has a memorized password, but equifax doesnt have updates
Consumer complaint received 2021-01-23
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. (FL)

I HAVE SUBMITTED A COMPLAINT AND TRIED TO WORK THIS OUT WITH THE COMPAINES BUT THEY WILL NOT HELP ME.CAN SOMEONE PLEASE HELP ME
Consumer complaint received 2019-03-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: 3rd Generation, Inc. (CA)

On XX/XX/19 I received a phone call from my daughter XXXX XXXX who has an auto loan with XXXX XXXX XXXX, she informed me that she just got off of the phone with XXXX credit manager who basically threatened her to send in a payment of XXXX by XXXX XXXX that date. Daughter who has been late with her payments due to the recent camp fire that not only destroyed our home, but lost her source of income due to business burned up, has looked to me to assist in making her payments. Granted payments were late, but non the less they were sent. Therefore I called XXXX XXXX XXXX   which I have permission to do so by my daughter and was transferred to XXXX the Credit Manager who was not only rude and had extremely poor customer service but had the same arrogant behavior that my daughter stated she encountered. I asked for his supervisor and he said that he was his own supervisor, I asked for his last name ; and he said that I only need to know his first name and hung up on me. The entire conversation with XXXX, he was rude and condescending and kept stating " you have 10 minutes '' meaning we had till XXXX to send the XXXX payment through XXXX XXXX. I attempted to make the payment through XXXX XXXX as requested but ran into problems with logging in. Therefore I called XXXX XXXX XXXX again and asked to speak to XXXX supervisor ; explained what happened and was informed that XXXX was his supervisor and was given her email and phone number ; I attempted to call XXXX ; which went to voicemail, left a detailed voice message and requested a return call. I also sent her an email explaining what has happened and as of this date ; still have heard no response. I called XXXX XXXX XXXX  at least 5-6 times within a 3 hour period and maybe 2 of the calls were handled appropriately and information was told to me that my information would be passed unto the appropriate parties. Almost 24 hours I still have not heard from anyone. I am extremely upset at the matter XXXX " the credit manager '' feels the need to bull dog or threaten consumers that if they don't make a payment by XXXX XXXX  today, that they are coming to repo the car. Maybe you should look into how a company is so willing to finance an XXXX year old who was working less then part time at a restaurant be financed on a $ XXXX automobile. Very disappointed in the professionalism and tact this agency has showed me or my daughter. I don't care what you say, NO ONE ever deserves to be treated in a matter of disrespect that XXXX the credit manager and his superiors have shown.
Consumer complaint received 2021-01-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NJ)

My wife and I lost our home on XX/XX/20, Technically we were evicted on that date we owned the home yet were not given our due process because the mortgage company ( Selene finance ) claims we did not answer the complaint which is not true because we answered the complaint through the office of foreclosure in XXXX which I'm certain can be easily verified, I know this is sort of after the fact but we both feel this should never happen to any homeowner.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: C/C Financial (MI)

On XX/XX/XXXX, I purchased furniture from XXXX XXXX XXXX XXXX in XXXX, MI and the furniture was financed through Merchant 's Preferred Lease-Purchase Services. The furniture was delivered to my home on XX/XX/XXXX, but the sofa ( 1 of 2 pieces of the sofa/loveseat set ) could not fit through my doorway. I was given the option to contact and pay an outside source to break the sofa down so that it could be brought in the house. I decided against it and the sofa has been sitting in my garage, brand new, still in the plastic since XX/XX/XXXX. I contacted Merchant 's Preferred in XXXX or XX/XX/XXXX, to let them know that I was being charged every month for furniture that I am unable to use because it didn't fit through my door. I was told that my account would be noted and to reach out to the furniture store to see if they could pick up the items. I was told that if I couldn't have the items removed from my contract and picked up by the furniture store, the items could be recovered by the recovery team at Merchant 's Preferred and resolved that way. I reached out to the furniture store and they told me that they are unable to pick up the furniture because they don't have a resale license and if they picked the furniture up and attempted to resell, although the items are brand new, they could get into legal trouble. They also said their system wouldn't allow the items to be returned anyway. I reached back out to Merchant 's Preferred to let them know what the furniture store said in XXXX or XX/XX/XXXX and they told me that the issue would be escalated and someone would reach out to me. I've called Merchant 's Preferred 4-6 times between XXXX and XX/XX/XXXX about having the items picked up but I have never been able to speak with anyone in the escalation department, a supervisor, or anyone in the recovery department. In the midst of trying to resolve the issue, I was affected by the Covid-19 pandemic, which they were aware of and I was told that my account would be noted for that as well. However, since I have been attempting to contact Merchant 's Preferred and waiting on a call back to resolve the issue, they are negatively reporting to XXXX  that I am past due on my account 60 days, owing {$4700.00}. This issue could've been resolved before it was reported negatively, but I refuse to pay for items that I don't have, especially when I have received no help after months of trying to resolve the issue with Merchant 's Preferred.
Consumer complaint received 2019-03-09
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BlueChip Financial (IN)

In XX/XX/XXXX I applied for and received an online loan from BlueChip financial DBA XXXX. The loan amount was {$800.00} with 17 payments of {$130.00} totaling {$2200.00}. I made several payments totaling {$930.00} which was more than the amount loaned to me. In XXXX, I had some financial and health issues come up and I couldnt make my payments. Not knowing what the online lender could I contacted the Indiana department of Financial Institutions, the Federal Trade Commission and the Consumer Financial Protection Bureau. It seems that XXXX is NOT licensed to do business in the state of Indiana, charges illegal amounts of interest and does not recognize federal and state laws. Tribal law does not supersede state or federal law especially since Im not a member of the tribe nor do I reside on the reservation. BlueChip financial also violates the federal law against, deceptive and abuseive practices. Which in turn means that my loan is NOT legal, NOT enforceable and it is NOT collectible. Upon receiving this information I contacted XXXX via phone and told them what I was told. After that conversation I still received emails from them trying to collect money from me. On XX/XX/XXXX, I received an alert from my credit monitoring app that a collection account was added. The account was reported by - XXXX XXXX XXXX XXXX XXXX XXXX In regards to the XXXX account. After making several phone calls I was told that XXXX sold my account to this company. I contacted XXXX and once again advised them that the loan was illegal thus making it null, void and uncollectableband that they needed to pull back my account from the collection agency. They said that a case manger would look into this. I wasnt given any time frame or even the persons name. I then contacted XXXX XXXX XXXX- I spoke with XXXX , who said he was the manager, he was very rude and basically said that they have money on this account and I needed to pay. I advised him that the loan was ILLEGAL making it null, void and uncollectable but he insisted that this legal for them to report this to the credit bureau. I have since then filed disputes with the credit bureau.