davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
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. (IL)

I sent a letter on XX/XX/XXXX to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$5300.00} ; XXXX XXXXXXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$13000.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX  Bankruptcy XXXX Date Filed/Reported XXXX XX/XX/XXXX
Consumer complaint received 2022-07-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (MI)

Due to covid-19, my mortgage was in foreberance since around XX/XX/2020. In XXXX of this year I filled out loss mitigation paperwork so that my loan could be modified.. Flagstar sent my loan modification paperwork, I signed it and mailed it back in.. I spoke to someone a couple of days later and they confirmed that they received it. So, I started making payments ( over the phone with a customer service rep, because I couldnt make any payments online ) based off of the loan modification agreement. I did this for 3 to 4 months up until about 2 weeks ago, when I tried to make a payment but was informed that I couldnt because my home was in active Foreclosure. I spoke to many different phone in regards to this issue, but no one helped.. I had to resubmit the Loss mitigation paperwork, however, I have tried to fax them ( more than 10 times ) with no luck, Ive also tried to upload them to flagstars website ( about 3times ) also, with no luck.. I dont know what to do, I feel like this is intentional. Please advise, thank you!
Consumer complaint received 2022-07-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (NY)

I tried to access federal information about insured mortgages and then searched for an online application. I did not notice that the link I clicked on, which appeared to be a website supported by HUD, was actually something called Rocket Mortgage. I was very clear that I was seeking a first time mortgage, clicked on something to that effect, requested application to apply for first time mortgage. I was redirected to a site that entailed my creating an account with Rocket Mortgage, which I, reluctantly, did. Only when I had completed that account creation did it become apparent that my " account '' was for refinancing a mortgage. I exited the account platform and tried to sign in to access a first home buyer interface. I was not permitted to do so unless I created a second account -- a completely additional account, new password, with all my personal info. This doubling up of a single company 's account with dual accounts for me is part of a persistent scam of impersonators for me on line. I tried to locate information to close the scam account and was not permitted to do that, either. I submitted a complaint to the company about this state of affairs. I have zero confidence that the scam account will be closed even if I get a ( probably fake ) email being all kinds of solicitous of my belief to that effect. So now there is a fake Rocket Mortgage account out there with my personal information and good credit score to be used by people impersonating me on line and very little I can do about it.
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (DC)

I had a CITI credit card and I was paying at least the minimum charge via a transfer from another Bank. 

Last month I was informed that my card was cancelled, they would not tell me the reason until I received a letter in the mail, that said that they had tried to retrieve the payment from XXXX  XXXX XXXX and that there where insufficient amounts ( which is impossible ). What I am being told now is that they actually closed the account because I had insufficient funds three times ( again, impossible ), and that each time they let me know by email. I do not have any email from CITI about any of these supposed three times, actually, I have all the emails saying that I paid the card. 

Now, they are charging me an impossible to pay interest rate. I am paying every month, but each month they increase the interest rate, telling me is because every time that they could not get the payment they have increased the interest rate. I have asked them to explain the process, and they say is because of the three times they tried to collect. Nevertheless, they just increased the interest rate, the times do no match.
Consumer complaint received 2022-07-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (IL)

I had a credit card with chase bank and I went delinquent on the debt in XXXX cause I lost everything, which was my business and alot of my properties, my job in construction. this all happened when the economy went downhill. I was served with a judgement on this case but I was served with 2 judgements but on 2 different times, once in XXXX and once in XXXX. I have 2 judgements reporting on this case and the amount has increased by $ XXXX. I believe this debt was cancelled in XXXX by chase bank but last year in XXXX it was sold to a different collection agency by the name of XXXX XXXX XXXX XXXX and they revived this judgement and now want to collect $ XXXX, when the original debt was $ XXXX. How is that possible? Can someone look into this because this doesnt make sense.
Consumer complaint received 2022-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (TX)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance Owed : {$690.00} was incurred due to fraudulent charges, which according to XXXX XXXX Zero Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt, which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.
Consumer complaint received 2022-11-05
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: CITIBANK, N.A. (MD)

In accordance with the fair credit Reporting act Macys Account # XXXX and XXXX XXXX Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have a right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2017-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NJ)

XXXX , received a offer in the mail from citibank for a citi simplicity card  XXXX  applied on line as instructed  XXXX  received immediate approval and was offered to transfer balances I put in my balance transfer information and hit submit, the response received was " unable to process your request ''  XXXX  I called citibank, was transferred twice ending with  XXXX  in South Dakota, new applications department  ( n ame of department might be wrong ).  XXXX  informed that with this card citi simplicity, no immediate balance transfers were available. I informed  XXXX  that the application process took me there and said I could do it.  XXXX  acknowledged that this is a known problem.  XXXX  could n't take my balance transformation information over the phone because of " regulations ''.     I find this practice to be misleading. The fact that it is a known problem and continues to exist is even more problematic. It appears that Citibank is misleading customers knowingly. This seems to be a simpl e IT f ix, there is no reason why this should happen.
Consumer complaint received 2022-11-05
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: LEXISNEXIS (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX : - ; Bankruptcy XXXX  XXXX Reference # : XXXX ; Bankruptcy : XXXX XXXX Reference # : XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-07-18
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. (MS)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX, and Reference # XXXX Us BKPT CT XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There is plenty of incorrect information on my credit report such as misspelling of my name and addresses i am not associated to. 
The name associated XXXX XXXX XXXX is incorrect. 
The name associated 'XXXX  ' is incorrect. 
These addresses are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, ca XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX
Consumer complaint received 2022-10-20
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (LA)

Equifax/Equifax credit bureau is not reading my complaints and has added an reinvestigation on the wrong account. As stated in this article https : //www.consumerfinance.gov/about-us/newsroom/cfpb-releases-report-detailing-consumer-complaint-response-deficiencies-of-the-big-three-credit-bureaus/ Equifax/Equifax credit bureau is not reading the complaint and they are not correctly doing their duties. The account I wanted deleted was already deleted and I didnt add that account to the accounts that needed to be deleted/removed. They deleted XXXX XXXX xxxxxxxxxxxx XXXX already. I didnt asked them about the XXXX XXXX XXXX account that was just added to my report.
Consumer complaint received 2022-07-18
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: CITIBANK, N.A. (CA)

I made a purchase on XX/XX/XXXXat Home Depot for a refrigerator for {$4100.00}, but included the incorrect delivery address. I called Home Depot to change it, but they said it couldn't be changed. It was suggested to cancel the order and place a new one with the correct delivery address. I wanted to used my Home Depot Credit Card to get 0 % interest for 12 months. Since the first transaction was showing pending and my credit limit was {$5000.00}, I wasn't able to make the second purchase without calling the credit card company to cancel the pending charge. I did this the same day, XX/XX/ and then made a subsequent purchase for {$410000.00} on the same dayXX/XX/XXXX with my Home Depot Credit Card. Then a few days later, the initial charge went through on my credit card and put my over my credit limit. I called the credit card company and tried to correct the situation. They suggested calling Home Depot to cancel the transaction. I called Home Depot. They said to call the Credit Card Company. I called back to the Credit Card Company to file a Dispute. I filed the dispute and have a letter to say the dispute is resolved, however I have not been credited the {$4100.00} to my account and my credit report has shown me over my credit limit and it is impacting my credit score.
Consumer complaint received 2022-11-05
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

I successfully discharged my XXXX XXXX XXXX  with Navient in 2016 when I became permanently XXXX and diagnosed with a rare XXXX. I was unaware about the major differences in the discharge process from Federal to Private loans and was fortunate enough to have my co-signers continue making payments because I could not and now I have been granted XXXX  due to blindness. I contacted Navient after receiving many types of billing statements and letters regarding one of the XXXX currently active being past due because my co-signer has had significant financial setbacks due to XXXX and can not afford to pay them. I submitted my proof of XXXX award letter from Social Security and was told that if I made a {$50.00} payment on the past due account it would place a forbearance on the account for a year I was also informed that it would no longer reflect it being past due even though it never showed an amount due other than XXXX.and my credit would recover from the massive hit it took when Navient started reporting it as past due. To my knowledge that has no happened. When I go to my account information it still shows as past due I am told but that no payment is currently due. My other 2 loans appear to be in good standing and one has been in forbearance for some time. I was also emailed by Navient recently that my forbearance will be ending soon. but then another email states that a new forbearance was just started. They are well aware of my medical and XXXX issues yet they confuse me by not doing what they say they will in addition to requiring even more documentation which is difficult since I am homebound and XXXX XXXX XXXX presently. Why is the official award letter from Social Security not sufficient enough rather than having to request from my XXXX and very detailed report regarding my XXXX and one that costs money to do and that is providing information that XXXX might find to be a violation of my medical records to people unknown? I am also preparing a malpractice lawsuit against the doctors that have made me XXXX XXXX XXXX  so it is questionable and uncomfortable to ask them to spend time filling out the details. I could discharge my Federal loans easier and faster than my private loans at a time when my life is in the balance and the stress over resolving these few loans have ruined my credit and caused me great XXXX  and hardship. I will attach statements confirming my complaint for review.
Consumer complaint received 2022-07-18
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. (VA)

There are XXXX addresses listed on my credit report that have never belonged to me. 

In XXXX my birth certificate, social security card, and ID had been stolen. There are XXXX addresses, XXXX in XXXX and XXXX in XXXX that have never belonged to me. 

There are also XXXX addresses, XXXX, XXXX, and XXXX that do not belong to me as I was in jail at the time.
Consumer complaint received 2022-11-05
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 — Problem with personal statement of dispute
Company: PREFERRED CREDIT INC (IA)

I am a cosigner on an account with preferred credit I have never been late on any loan when the XXXX and XXXX payments were not paid they never sent anything to my resident or a call for me to resolve the problem but instead reported a missed payment on my great credit score which in return dropped my score XXXX points after learning this I was able to call and the response I was given is they can not take this off my record in return I paid to get the account up to date but I am very upset they didn't notify me to get this resolved before the damage to my credit score I would like this missed payment removed from my record since I was not informed of this and was not given a chance to resolve this problem
Consumer complaint received 2022-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (OH)

On XX/XX/2022, I made a payment of {$2500.00} from my XXXX XXXX XXXX  checking account via XXXX XXXXXXXX 's online billpay system, to my Marcus by Goldman Sachs XXXX XXXX. 
Payment was made referencing my XXXX XXXX credit card #, and in accordance with the instructions from Marcus XXXX XXXX. Funds have never been applied to my Marcus XXXX XXXX. I called Marcus approximately XX/XX/XXXX and they opened a ticket to search for the payment, but they claimed to have never found it. As of XX/XX/XXXX, the funds are still missing.
Consumer complaint received 2022-07-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (DC)

XXXX XXXX property in XXXX Texas - Texas is inaccurately attempting to collect for early lease termination in 2017. 

Before moving out I tried to locate a new tenant, the property found one first and transferred my lease therefore no longer rendering me responsible for the lease. 

They are now claiming they do not have any record of this transfer. The management company has changed, and none of the same people work at the property, so they are unable to validate the debt, but still inaccurately claim I owe them. 

The property will not answer my calls, and the corporate office has admitted they can not validate the debt, but has refused to discontinue pursuing it.
Consumer complaint received 2022-07-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (TX)

I was notified by Chase I owed money for use of XXXX XXXX  services.. XXXX  As a XXXX alumnus I contacted XXXX directly XXXX 
They told me that my account had been hacked and they would resolve. 
Charges were withdrawn Then charged reappeared. I contacted XXXX, Chase. 
By then it was determined that using my credentials the services we utilized by via XXXXwo IP addresses.

The breach of my account is a matter of record.

I contacted Chase Security and requested information about the charges an identity theft.

Chase security manager didnt have a clue. I tested her with a couple of cybersecurity questions I used to interview candidates to determine what the capabilities of the Chase team Their procedure was to believe what they were told by their enterprise client.

I have a meeting set this Thursday regarding my account usage, which is zero as I use Alphabet and XXXX XXXX. I just dont believe in XXXX qbit approach. 
It is easily verified that I always pay my bills and still do. Except this Chase charge.

I do not pay for something I didnt use.

I want all of the Chase data provided to me to get this resolved before I file charges against Chase. 
I will save emails files and provide the files if needed
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (LA)

XX/XX/2022 XXXX, I am having problems with the XXXX, Louisiana Chase Bank harassing me. I was supposed to pick up a check at XXXX XXXX. XXXX for XXXX A.M. to pick-up a check because they closed my account at chase. I did a peaceful protest around XXXX A.M. No one was at the Branch! I spoke to one lady at a distant merchant she was going to another merchant. Well around XXXX XXXX, the police came to the scene. 
They told me that I was not allowed at any chase bank properties anymore, Really! Now I am wondering why? Also, they seem to not want to give me my money. The Corporate Headquarters Bank Customer representative I spoke to was named, XXXX. She was the one that sent the appointment up for me. I was on time. So now what do I do to get my money? I feel like they are discriminating against me. I did tell XXXX XXXX. Please Help! What step, or steps do I take next? I need some assistants. The person I was supposed to see name was XXXX. Thanks Sincerely XXXX XXXX XXXX XXXX.