davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (TX)

I on XX/XX/22 was paid XXXX dollars by my employer I only received XXXX dollars. Again today I was supposed to be paid XXXX dollars I only received XXXX. I have no child support or anything like that being taken out of any account so there is no reason for my checks to have been coming up short. I have tried to get the ach number from the bank. I have tried contacting my employer and pay role provider they have done nothing to help me get into my account to change my credentials to be able to change any of the information so that if it's something wrong with my direct deposit information to be able to change it. So the bank won't provide me with the information I need to be able to trace down my direct deposit and my employer and pay role provider won't help me change what's could possibly be wrong with it... I no longer have the phone number that my payroll it set up thru nor do I have the email it was made thru. I have relayed this and one will help me on either side. I feel like someone is doing some sneaky hints why they won't help me change the things that I need to be able to access my payroll information. I had a wallet stolen from me back in XXXX around the XXXX had my social, drivers license and every card I owned stolen.. so it's not like I can just go thru n try each card n see which one may have a $ XXXX on it.. to account for the two weeks I haven't received half my check. My bank is chime and my employer is perfect game inc. but we use XXXX as a payroll and hr. I just want my money that I haven't received. And to be able to get into my account on isolved and know where my money is going.. sincerely a hard working man
Consumer complaint received 2022-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NJ)

XXXXXXXX XXXX XXXX was my electric utility in my old house, due to divorce the house was being foreclosed on before the foreclosure i moved and relinquished the house to the bank. I moved and 1 1/2 hours away and placed a change of address. My bill was paid in full at the time that i moved and closed the account. The bank owned the property as of XX/XX/2017 and i never received anything from XXXXXXXX XXXX XXXX at my new address showing any bill otherwise i would have contacted them back in 2017 now a collection agency has posted a collection on my credit report that is not mine.
Consumer complaint received 2022-08-14
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: CORELOGIC INC (TX)

Here is a summary of my interactions with the company XXXX over the past month. 
1. XXXX XXXX : XX/XX/XXXX, email sent to XXXX : " To Whom It May Concern : According to your records on XX/XX/XXXX, someone opened up several unauthorized accounts with XXXX while using my name, address, and personal information. I filed a claim with your claims department on XX/XX/XXXX. The address that these XXXX XXXX cards are being sent to is my old address and were forwarded to my current address. Today ( XX/XX/XXXX ), I received a second card with a different credit card number than the first one that was sent this past week. I would like to also file a claim against the second card that was sent to me on XX/XX/XXXX. 
Please stop sending pre-approved XXXX visa cards in my name. Finally, I would like for all accounts and the address on file to be flagged as 'FRAUD ' and 'IDENTITY THEFT '. Also, I filed a police report concerning both incidents. If you have any questions or concerns, please contact me directly. '' XX/XX/XXXX, phone conversation with XXXX : I called XXXX XXXXXXXX on the above date with a request to close the accounts and tag them as fraudulent. XXXX XXXX Claims Department stated don't worry the account would be shut down and tagged as fraud. 

XX/XX/XXXX, XXXX XXXX email received by XXXXXXXX XXXX XXXX  XXXX XXXX for XXXX XXXX stating the following : " Your credit report shows that you opened a new account as of XX/XX/XXXX with an initial balance of {$7500.00}. The lender, XXXX XXXX, is reporting this new account to the credit bureaus. 

XX/XX/XXXX, Credit Alert email received by XXXXXXXX XXXX XXXX XXXXXXXX XXXX for XXXX XXXX stating the following : " Your credit report shows that you opened a new account as of XX/XX/XXXX with an initial balance of {$4000.00}. The lender, XXXX XXXX, is reporting this new account to the credit bureaus. 

2. XXXX Here is a summary of my interactions with the XXXX XXXX over the past month. 

On XX/XX/XXXX, there was an inquiry of my credit by XXXX XXXX. However, such was not authorized by myself as I have never even been to a XXXX XXXX before. 

XXXX. XXXX XXXX Here is a summary of my interactions with the company XXXX XXXX through XXXX XXXX XXXX over the past month. 

On XX/XX/XXXX, I received an alert stating the following : " It looks like there's a new balance of {$300.00} on your Bank Card that you haven't use for 6 months or more. Please let us know right away if this wasn't you. ''
Consumer complaint received 2022-03-02
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

I opened a HELOC loan number XXXX with PNC Bank and the balance is {$48000.00}. There is approximately {$29000.00} that is at a fixed rate of 3.25 %, and {$19000.00} at a variable rate currently at 4.25 %. This is one loan in total, with one account number. PNC Bank told me both online and at the bank, I could direct the payment that is automatically debited from my checking account in its entirety towards the balance with the higher rate. Then, when I tried after the payment was posted, ( at their prior direction ), they said they couldn't, or wouldn't, not sure which. This means I am paying more interest on the loan in total. Lastly there is NOTHING in the original loan contact that says I can not do this.
Consumer complaint received 2022-03-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

I was in forbearance during COVID and entered into a loan modification agreement with my lender. I was given a payment schedule of three payment to make of approx ~ {$2900.00}. They do not have automated payment methods. I called in to make the first payment in XX/XX/2021 ( the phone call was recorded ) and the person told me that I had {$2700.00} in suspension ( I made a partial payment during the forbearance period ) and that I could apply it towards my first payment. I asked her at least three times if that was true and she said yes, so i authorized an ACH payment of {$250.00} ( which combined with the {$2700.00} was more than enough for the initial payment ). I called in XXXX and made a full payment of ~ {$2900.00} and it was processed from my bank account. In XXXX when I called to make the third and final payment they told me that the agreement was breached for a missed payment on my part and that the agreement was cancelled. I explained what the lady told me and they researched it and got back to me acknowledging the mistake and informed me that she was wrong that a payment in suspension could NOT be used towards a payment. I explained that I was prepared to make a full payment when I called in and would have done so had she not directed me in this manner. At this point I have been on the phone with them three times for over three hours and each time they tel me it is reinstated and then I get letters to the contrary. I have escalated to no avail and at this point they are telling me tht I have to reapply for a loan modification and start all over. The big issue with that is that my current interest rate is 4>65 % and I have a lender that is willing to refinance it down to 2.24 % which will reduce my payment by ~ $ XXXX but this cant be done until I am officially out of forbearance and it is reported as such. Please help as this company seems to be hamstrung by systemic issues and are not willing to fix their mistake.
Consumer complaint received 2022-03-02
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc (SC)

I filed a dispute and requested a new card saying my card was lost chime sent me a replacement card same information why I have no clue next XXXX said I have to contact my bank the company further inconvenienced me by having to wait on another card again and to be denied my claim as a banker I would not treat my customers this way and this is not proper dispute procedures I am not accepting this as a loss I want my money back your company dropped the ball by not giving me a new card and not stopping that transaction again with having me go back and forth I want to be compensated for the lack and my funds stolen
Consumer complaint received 2019-08-03
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. (CA)

On or around XX/XX/2019, I placed into dispute a {$90.00} charge on my Chase Bank credit card. 

On or around XX/XX/2019, Chase Bank re-billed this erroneous {$90.00} charge. 

I provided supporting documentation showing : 1. email confirmation from the merchant of the cancellation of the 2 items, and 2. chat transcript from the merchant confirming that a credit of {$90.00} was going back to my bank.
Consumer complaint received 2022-10-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

Good Evening this is a continued problem that XXXXXXXX XXXX and I have. The problem is application of over payments and reporting incorrect balances on credit report and continuously reporting late payments on my account. XXXX my credit and outright refusing to fix it. They come up with every excuse in the book as to why they did what they did and act like their investigating my disputes and I never ever hear back from them. I want the late payment from XXXX and XX/XX/2022 removed and I also want balance updated. My evidence is attached
Consumer complaint received 2019-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. ()

citibank keeps sending me about my credit card limit and their promos..i applied a credit card last XX/XX/2018 but my card did not arrive.. when i checked the status of my card application.. it was approved and have a limit of XXXXphp..i contacted several times the company but they still keeps saying that my card will be redeliver.. as of now i have not received my card.. I'm afraid that my card will be use by someone else ... am i responsible for that? the company keeps saying that they will get in touch with me but i have not received any call from them..
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I am a real person a living human being I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. They have violated my rights numerous of times- listing incorrect accounts, reporting incorrect credit scores. Ive demanded these accounts to be remove directly and have already sent numerous disputes and they are still not removed. I demand the accounts listed below be remove because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts in the first place.

According to the law 15 USC 1681 the consumer reporting agencies exercise their great responsibility with fairness impartially and respect for consumers right to privacy. 

I demand the following accounts and inquiries to be removed from my credit report immediately. 

XXXX Partial acctXXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Partial Acct # XXXX 
XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX XXXX Partial Acct # XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX XXXX XXXX XXXX Acct # XXXX ... 
XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-08-14
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: SYNCHRONY FINANCIAL (NY)

This company is reporting on my XXXX report. I disputed this and XXXX said that this was verified as accurate. I did not authorize this. According to 15 USC 1681b ( a ) ( 2 ), I did not give syncb/gap written instruction to pull my report. Please send me proof with my written instruction and signature proving that I gave this company permission to obtain my report. I have a right to privacy. If you cant provide proof it needs to be deleted immediately. I am requesting {$1000.00} for violation of my federal consumer rights. 

Company : SYNCB/GAP DATE OF INQUIRY : XX/XX/ 2021 2021
Consumer complaint received 2022-10-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (TX)

To Whom it May Concern : The problem we are having with our mortgage is that after making mortgage payments on our house for about 24 years now it seems from the statements we are receiving that right now we owe about twice what the price of the home was when we bought it! 
We have repeatedly requested an accounting for this from Fay Servicing however they will not provide the information requested. They told me over the phone that there were too many documents for them to deal with. They raised our monthly payment significantly but will not provide any explanation for the increase or why the balance is so high. 
Our mortgage has been passed around to about 5 different companies over the years. I think there is a real possibility that distortions in the amount owed have occurred with each transfer. These other mortgage companies need to provide some accounting for their actions as well. I think the account needs to be audited all the way back to the beginning because something is definitely wrong. We are hoping that the CFPB can assist us with determining what has happened to our investment in our home. We will be happy to work with you to resolve this issue. Thank you in advance for your assistance.
Consumer complaint received 2022-06-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (NC)

I have 2 accounts with XXXX XXXX Bank. A credit card and an auto loan. I mistakenly sent the XXXX loan payment to the credit card. I called in the minute I realized that mistake. I had to contact Elan Financial as they are the company related to the Credit Card account. The amount I paid was {$6500.00}. I called in on XX/XX/XXXX to have the amount reversed as I don't even have a credit limit that high on the credit card. They told me due to the large amount that I would need to call back on XX/XX/XXXX. I called back on XX/XX/XXXX and the representative told me she had reversed the amount and transferred back into my account. She told me it should show up in my bank in 2-5 business days. 
Today is XX/XX/XXXX still not credit in my account. So I call into Elan Financial again and they told me a check had been cut for the amount on XX/XX/XXXX and mailed out on XX/XX/XXXX. 
I was given the wrong information three different times. Meanwhile I am accruing daily interest rates on the auto loan I am trying to pay off. You don t lie to the consumer and you sure don't hold the consumers money hostage. It was not over the Federal Reserve XXXX deposit amount so please help me XXXXget my money back so I can simply pay off my auto loan.
Consumer complaint received 2019-10-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ad Astra Recovery Services Inc (WI)

I have sent 2 letters to the payday loan company as well as to the debt collector company letting them know I never received a loan with their company and that my identity was stolen. Today I received a letter in the mail saying that the debt is valid. The debt is not valid, I never received a loan from this company and I never signed anything to receive a loan from this company. This company is trying to sue me for something that does not belong to me.
Consumer complaint received 2022-03-02
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: Neon Newco Corporation (NY)

On XX/XX/21 I lost my Transact XXXX / Netspend XXXX paid debit card. I noticed my wallet missing that same evening and called customer service Immediately. I blocked my card and ordered a replacement card. Soon afterwards I discovered 4 unauthorized transactions on my account that occurred while my card was lost. The transactions were : XXXX {$1100.00} XXXX {$1100.00} Stop and shop {$360.00} XXXX {$150.00} I then filed a dispute ( XXXX ). Approximately 1 week letter I received a letter stating the bank was denying my claim. The denial letter stated " based on their investigation no error occurred ''. I have since then asked for the documentation they used to come to there decision. I have not received any documentation. I have written several letters and made several call to this banking institution and none of my inquiries have been answered. It has now been a year and I still have not gotten any answers nor my lost funds. I read about your organization on the web, will you be able to help me?
Consumer complaint received 2022-06-03
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. (CA)

Hello, In accordance with the Fair Credit Reporting Act : the following companies have all violated my rights and I would like to have the issue reviewed and resolved as soon as possible as the inaccurate items are causing me financial hardships resulting in a lower FICO score.

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 : A consumer reporting agency can not furnish an account without written instructions. 

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
Consumer complaint received 2022-04-21
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC (TN)

I had an XXXX account that I closed due to my moving. The account was paid in full with XXXX and never went to collections. I checked my consumer report and saw that a debt collection agency reported this false information to my report. I reached out to the collection agency directly by phone to straighten out the false information but they refused to remove it from my report. I asked them for the account number and they didn't have XXXX. They have the last XXXX digits showing on my credit report as XXXX. I have a recording with XXXX stating that they don't work with this debt collection agency and that my account was never sent to collections. 
ACCOUNT # XXXX AMOUNT : {$180.00} Last payment received : {$82.00} on XXXX Date account closed : XXXX Agent Name : XXXX XXXX XXXX # XXXX Agent Department : XXXX XXXX Agent Name : XXXX XXXX I.D . # XXXX XXXX department : XXXX XXXXXXXX XXXX was the first agent I spoke to and gave me the account number, amount, and date of payment. She transferred me to the accounts receivable department and I spoke with XXXX who confirmed everything and informed me that they ( XXXX ) do not work with the debt collection agency.
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

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