davidheineman/consumer-finance-complaints-large huggingface dataset:
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: ID Analytics, Inc. (CA)

The XXXX old name ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX # ( XXXX ) XXXX My ex wife lived at this apartment and became behind on her rent. She was not evicted nor was I. The apartment was paid the past due rent and she moved out in XXXX of 2015, with all bill paid and current. The property allowed her to pay the rent and accomadting the late payments. There was never an eviction to move. The property recinded the eviction and did not update, that payments where paid and no eviction occured at the property. XXXX County Court XXXX XXXX XXXX XXXX County Justice of the Peace XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX ( XXXX ) XXXX ). I dont live in XXXX Texas, I live in California and was in the military when this judgment was entered. Under the SCRA she was allowed to move in XX/XX/2015. Theres an amount of {$2600.00} that was already paid to the propert in 2015 for past due rent. There was no eviction. Please contact the property and correct the court records and remove this from XXXX XXXX XXXX  Sage Stream, XXXX, XXXX XXXX. Case # XXXX XXXX County
Consumer complaint received 2018-12-28
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: Exeter Finance, LLC. (NJ)

I wrote a letter to this company on the XX/XX/XXXX via certified mail on the XX/XX/XXXX and it was received.

This company made a unauthorized inquiry on my report without my consent.
Consumer complaint received 2020-10-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY (NJ)

YOUR ABOVE SELECTION CHOICES DID NOT PRETAIN TO MY PROBLEM SO I SELECTED THE CLOSEST SO I COULD PROCEED WITH MY COMPLAINT Sick and tired of my local wells Fargo ATM not being properly maintained and serviced, I have filed several complaints about this but no one makes the bank properly service their machine located at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Last night and again tonight I arrived at the atm with a lot of cash that I do not want to carry around. Its potentially dangerous. The machine states it is " currently not accepting deposits '' This has occurred numerous times in the past as well as the machine not being able to transact any business. Also the machine continually rejects perfectly good bills and deposits must be done multiple times. 

They can solve this problem by putting in a modern machine but obviously they choose not to and instead inconvenience the customer. 

I would like a copy of the service records for this machine so I may provide it to my elected Federal Representatives. I'm sick and tired of being inconvenienced and wont take it anymore. They have my money in their bank and pay nothing for it, they are not required to provide basic service to the customer.
Consumer complaint received 2021-07-20
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. (TX)

I XXXX XXXX I Didn't receive enough information to verify debt. Pursuant 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer about the confidentiality, accuracy, relevancy, and proper utilization of such information. You are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file. As a consumer I demand you remove the account. Pursuant to 15 U.S. Code 1681 ( a ) ( 2 ) which comprehensibly state that the only permissible purpose of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstance and no other and is in accordance with the written instruction of the consumer to whom it relates. Pursuant 15 U.S Code 1681a ( e ) which defines an ''investigative consumer report '' as a consumer report in which information on a consumer 's character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc ...., who may have information of any items on the file which you will have to show me proof via affidavit of fact under penalty of perjury.
Consumer complaint received 2018-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (NY)

On XX/XX/2018 I sent via overnight mail at my expense a guaranteed cashiers check in the amount of XXXX to satisfy my monthly principal and interest. On XX/XX/2018 I received notification from XXXX that Seterus received the guaranteed cashiers check. As of XX/XX/2018 Seterus has not applied the guaranteed funds toward my mortgage principal and interest. Seterus is willfully trying to cause my mortgage to be in late payment status.

In addition to Seterus not applying a guaranteed cashier check their have been two other instances where Seterus has not attempted to apply payments that have been sent. 

On XX/XX/2018 I attempted to make a payment through their on line payment service for {$2300.00}. The transaction confirmation # for the payment was # XXXX. Seterus Inc did not accept the payment. On XX/XX/2018 I sent by overnight mail at my expense a second payment for {$2300.00} which would have satisfied my XXXX due date. Seterus once again did not accept the check.
Consumer complaint received 2018-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (DE)

I want to bring this attention to serious matter to your attention. I went to XXXX in XXXX, Delaware to open my XXXX membership on XX/XX/2018. The representative at the store did not inform me that a credit card account was being opened under my name in addition to the membership. This is an absolutely unacceptable and fraudulent sales practice. 

I'm requesting the following resolutions to rectify my issues. 
1. ) Withdraw my Costco credit card application 2. ) Remove the credit card and credit inquiry from my credit bureau 3 ) investigation of this incident and ensure this would not happen again XXXX Membership # XXXX
Consumer complaint received 2018-12-29
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: ERC (IL)

ERC ( XXXX noted as the original creditor ) has placed an adverse account on all three credit reports for an account which does not, did not, nor never has belonged to me.

I have never used, purchased, or borrowed any products from XXXX. The negative account has caused severe injury to my credit accounts and must be removed post haste to avoid further injury and damages to me and my impending credit analysis and disposition.

Furthermore, ERC failed to advise that there was a possibility that this negative account could be placed on my credit report. I have not received nor heard from ERC nor XXXX prior to this account being placed on my credit report. At least if they would have contacted me, I could have confirmed that it was an error prior to placing these on my credit reports.
Consumer complaint received 2022-08-09
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Selene Holdings LLC (NJ)

This complaint is about Selene Finance LP. This Debt collection agency will not send me requested copy of the original loan contract ( not promissory note ) with pertinent information needed to validate an alleged debt of my deceased mother. I am the Executor and Inheritor of her estate ( granted this information by law ) and have requested XXXX times from XX/XX/2022 to present for this document. It is now XX/XX/2022, and I have received a intent to foreclose on my inherited home without validation of the debt or options given for modification. On XX/XX/XXXX Selene Finance Fraudulently has submitted notice of intent to foreclose family home of XXXX years in my name ( inheritor ) with a new mortgage lender.
Consumer complaint received 2020-08-01
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DC)

Thsi must be the 4th or 5th time I've disputed an item from XXXX. XXXX XXXX XXXX XXXX XXXX corrected and deleted data off of my report and XXXX lazily will not do so. 

I include letters to XXXX and the most recent dispute item from XXXX today XX/XX/XXXX after I notified them of the erro for the 5th time.
Consumer complaint received 2020-08-01
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. (PA)

I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-10-08
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (OR)

On XXXX I asked an insurance company, XXXX, to prepare a proposal. On XXXX, Salesperson at XXXX XXXX XXXX talked to me on the phone to present the underwriting documents and payment schedule. On XXXX XXXX agreed to withdraw a monthly statement amount of {$30.00} for 12 months. The agreement was also to allow a one-time fee of {$50.00} to add two properties to the Invoiced monthly statement, aforementioned. The payment receipts do not match the binder proposal, and the last document valued my property at XXXX, so I asked for an explanation for the overcharges. The Salesperson at XXXX stated I was paid in full on XXXX. I complained to the manager that the Salesperson refused to supply documents to back up the claim that the account was paid in full, since my online account showed a different, smaller amount was charged and claimed I would still be requied to make future automated monthly payments. I received a call back on XXXX from XXXX XXXX who asked me to stay. I said I was not accepting the proposal due to the company refusing to provide a payment receipt or paid invoice which reflected the proposal, and had given them another request for updated documents. The company sent the old binder to me, even including the payment receipt for one draft payment. I contacted JP Morgan Chase regarding there were 2 ACH withdraws pending on XXXX, one unauthorized charge was there, and one charge for a random dollar amount that I refused payment for. Chase is hanging up on my calls and will not accept my document uploads. Chase is requiring a 'fax ' of documents, old technology I don't have access to. Chase recommended I call a local banker, but the local banker hung up on my calls, and refused to allow me to send proof of that I and XXXX no longer have a contract and their website says cancelled, but they have generated documents for Chase that says they plan to take out more payments in XXXX as well as leaving the insurance coverage as 'deleted ' on the account. They deleted the contract online and they are holding my banking ACH open for transfer without any payment amount or schedule. If they don't steal it from Chase then they will go after my credit score with possible credit bureaus obtaining false reports and gains.
Consumer complaint received 2018-12-28
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: CITIBANK, N.A. (NJ)

Had an online car rental reservation from XX/XX/XXXX to XX/XX/XXXX for a total of {$180.00} which was paid in full on XX/XX/2018. Attached is a copy of the reservation with terms of agreement.

The rental company put another charge of {$220.00} on my credit card ( XXXX CitiVisa card ) in XX/XX/XXXX/XX/XX/XXXX without explanation. Subsequently filed a dispute on that charge with CitiVisa and they repeatedly made resolution not in my favor for the reason that the card was presented for a charge but can not provide written documentation that I authorized that charge. It was explained to CitiVisa that the present of the card was at the airport when the vehicle was picked up and was told it was for a security deposit hold for the car.There was no mention of that {$220.00} charge at any point until it shown up on my account. If that alleged charge has been part of the rental price, why wasn't that amount reflected upfront when the reservation was made. To me, this charge is a fraud and/or security breach of the use of my card.
Consumer complaint received 2020-10-05
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-08-01
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. (NY)

I AM IN THE PROCESS OF BUYING A HOME AND I HAVE REVIEWED MY CREDIT REPORT AND SAW A FEW INACCURATE ITEMS AND ITEMS WITH HIGH BALANCES THAT ARE PREVENTING ME FROM CLOSING OUT MY DEAL. I AM AWARE OF THE ACCOUNTS SINCE LAST MONTH AND I AM REQUESTING IMMEDIATE REMOVAL OF THOSE ACCOUNTS DISPUTED ON THE REPORTS ATTACHED. PLEASE INVESTIGATE AND HAVE THOSE ACCOUNTS OFF MY CREDIT REPORT.
Consumer complaint received 2022-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NC)

I submitted a payment to my XXXX XXXX XXXX XXXX Citi account on XX/XX/XXXX in the amount of {$10000.00}. Today, XX/XX/XXXX, I was unable to use my credit card as it was declined at the gas station and again for an online purchase. 

I called and spoke to customer service and was told the account is on hold until XX/XX/XXXX to ensure the payment is legitimate and clears my bank and until then I have XXXX credit available. This is completely non-sensical. Also, I did not receive any correspondence advising me the card is unusable. 

Neither the customer service rep nor the supervisor could specifically explain the criteria behind why this payment was flagged. I was told " there is some criteria for large payments that trigger this ''. Nor was there an explanation as to why I wasn't notified. This is beyond bad business, considering : 1. ) Citi is being paid a payment which lowered my balance ; 2. ) I have no history of late or returned payments on this account ; 3. ) Citi has already drafted the payment out of my banking account ; 4. ) If you've already taken my money, I should have access to my credit card account. 

This is a terrible policy that is not consumer centric. I expected better from Citi. I will be returning to XXXX and XXXX XXXX for my credit card usage. They have far better customer service. ( I didn't really need the snarkiness from the Citi customer service rep and supervisor that took my call. ) While I realize Citi won't particularly miss my business, I am submitting this in the effort to let others know of Citi 's poor policies and disrespectful service. 


Citi XXXX XXXX XXXX XXXX XXXX XXXX  Customer Service # : XXXX
Consumer complaint received 2020-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (MA)

Listen, i've tried several times to get this account resolved but unfortunately, i haven't been successful as of yet. I've sent all the documetns and forms that were requested of affidavit and it still reports on my credit. The only thing i got back from National Recovery COllection company are bunch of pre-printed statement. Again, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2022-09-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (GA)

I received an email to one of my personal emails from XXXX XXXX XXXX on XX/XX/22 concerning their efforts to validate my identity to open a checking account. On XX/XX/22, I receive another email to another one of my emails to do the sane but for a different banking company, Wells Fargo. I have not attempted to open any checking accounts recently.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The following inquiries have been reported fraudulently. 

XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX  Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX US SM BUS ADMIN ODA Inquiry date : XXXX  XXXX, XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2021-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. And I honestly got infected by Covid-19 and I lost my job for this reason and I do not have any source of income, I am behind my rent and some bills and the only source of money is to use my money in my PayPal account. 
My email linked to my PayPal is XXXX. 
Thank you very much and your consideration is greatly appreciated.
Consumer complaint received 2022-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: SYNCHRONY FINANCIAL (VA)

Synchrony Bank XXXX XXXX ) has failed to report a closed account, issued a " check '' in an effort to trap me into bank fraud & has failed to refund a hot tub sold by someone on XXXX because both companies are corrupt. {$750.00} compensation & many violations need/have occurred