davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have sent four letters to this company to verify the debt via certified mail and they have not responded to me at all. Per the Fair Credit Reporting Act if a company does not verify a debt within 30 days they have to remove it which I have confirmation with the USPS that they have received multiple letters from me and they have failed to response with any information verifying the debt showing my signature and that I owe them any money. They also have failed to remove the account from my credit reports.
Consumer complaint received 2022-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I had tried to put a check for 4,500 into my account, at first it said it was on hold but I checked today and now it said it has been returned and my account spending was 5,200 and im $ XXXX in debt. i cant receive any money from anyone, they cant send me money. i cant make a mobile deposit anymore.
Consumer complaint received 2020-01-08
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. (TX)

On XX/XX/XXXX, I, XXXX XXXX XXXX XXXX created an account with XXXX to check my credit report. At a glance everything looked okay until i got to the " collection '' part of the report and saw that there were XXXX collections accounts in my credit report. I immediately called the collections companies to find out what the accounts were about. It is then i realized that someone had stolen my identity and used it. I told the collections company that i might be a victim of identity theft as i have never received any form of service from these companies. The refused to listen to me and asked me to pay even though i never received any form of service. It is not my fault that i have been a victim of identity theft and I should not be held liable for anything done with my identity without my permission. I also noticed that there are fraudulent hard inquiries and an address on my report where I have never lived. I am filing this police report so I can report this crime. The fraudulent information appearing in my credit report is as follows : XXXX XXXX XXXX IN XXXX XXXX XXXX IN XXXX XXXX XXXX IN XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX All the following information appearing on my credit report is fraudulent and I have never authorized any of these.
Consumer complaint received 2022-01-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCP Holdings, L.P. (TX)

Debt collection company XXXX XXXX XXXX is reporting on my credit a debt of {$850.00} for an original creditor listed as NCP Finance Limited Partnership. Upon review of my credit reports, I reached out to each credit bureau by mail on XX/XX/XXXX requesting validation of the debt. In response they stated that the debt was verified, however, did not supply any additional information to me proving such. I then reached out requesting the method of verification on XX/XX/XXXX to the credit bureaus and was told I could reach out to XXXX XXXX XXXX directly. I sent another letter directly to XXXX XXXX XXXX on XX/XX/XXXX requesting proper validation of debt. In response, I received a letter dated XX/XX/XXXX showing copies of a promissory note to which I believe to be fabricated, as it has my maiden name and dated XX/XX/XXXX, a time in which that was no longer my legal name, no signature, and no proof of debt or validation was provided. They then proceeded in request for me to call them directly by phone, when I have established communication in writing by mail. I have provided ample time and numerous opportunities for this company to provide proof that I am responsible for this debt, and after months of reaching out, I still have not received anything.
Consumer complaint received 2020-08-13
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. (TX)

reporting all wrong : Account Name XXXX XXXXXXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Account Name XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Credit Limit {$2000.00} Highest Balance {$2000.00} Terms NA Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX SINGLE FAMILY DEPT OF EDUCATION/XXXX XXXX StatusOpen/Never late. 
Account TypeEducation Balance {$3000.00} Date OpenedXX/XX/XXXXDispute DEPT OF EDUCATION/XXXX XXXX StatusOpen/Never late. 
Account TypeEducation Balance {$3000.00} Date OpenedXXXX Dispute DEPT OF EDUCATION/XXXX XXXX StatusOpen/Never late. 
Account TypeEducation Balance {$1400.00} Date OpenedXXXX Dispute
Consumer complaint received 2022-01-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

I opened my mortgage account in XX/XX/2021. Since I have to pay the school tax in XXXX, the mortgage company, XXXX, requested me to pay it by myself only for the XX/XX/2021. Since then they moved my loan to another company called, Mr. Cooper. 

In XXXX, my lawyer sent a check to the school tax collector and it proceeded. Then, Mr. Cooper sent it again ( double payment ). According to the tax collector ( below is detailed information of the tax collector ), the check has been sent back on XX/XX/2021. 

XXXX XXXX XXXX XXXX 2021 Make Checks Payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX, Receiver OR XXXX School Tax Department Due to the problem, I closed my escrow account. Since then, I tried to communicate with them but was not successful. When I email them, I occasionally receive their replies saying that it's not their department and sent me a new phone number OR sometimes, no responses OR sometimes, they just sent me a letter that it will take time. Only valid response I got was on XX/XX/XXXX saying that " We have completed a review of your escrow account. We contacted XXXX and due to double payment there is refund available {$7700.00} and will be deposit back to escrow account. We apologize for any inconvenience this may have caused to you. '' However, even since then, I've never received their message so I have to send multiple emails again. 

In XXXX, I was worried if it happens again because I had to pay another tax in XXXX. So, I contacted them multiple times again but never received any valid response. 

Eventually, I called twice today and yesterday, and they said they will send the information to their tax department. 

I don't know whether it will be eventually solved, but it's already 5 months and I'm still paying for the escrow account that I closed. After I close my escrow account, it only shows that I owe them the tax amount. They said they didn't receive a refund from the tax collector. At this point, I don't know where the check is. So, I have to pay for them every month since then. 

It's very frustrating since talking with their representative takes a lot of time due to their automatic system. And everyone including those who email me back or the representatives I have talked to were saying the same thing, they're not the ones who can solve the issue. What I understand is that their TAX DEPARTMENT is working on that, but I wasn't able to talk to them directly. 

Hope filing this complaint will eventually solve the issue and I can get my remaining amount in the escrow account rather than paying for never-used debt.
Consumer complaint received 2022-01-28
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: CITIBANK, N.A. (CA)

On XX/XX/2021, I had purchased XXXX XXXX sunglasses from XXXX. I am a loyal customer from XXXX who constantly orders thousands of dollars every week. I had never received my packages for this order. I had tried to resolve it with XXXX and they told me to file a police report and I did but they said they could not offer me replacements or refunds for the items. I tried to dispute to my bank Citi Bank and they denied my dispute for the lost items.
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND A NEGATIVE ACCOUNT THAT WAS REPORTED ON MY CREDIT THAT DOES NOT BELONG TO ME AND I HAVE NO KNOWLEDGE OF IT. IN NO WAY IS THAT ACCOUNT CONNECTED TO ANY TRANSACTIONS THAT I HAVE MADE. 
I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THIS NEGATIVE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2022-11-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (NJ)

Good Afternoon, As of XX/XX/2022, Ive looked over my recent statements dating back a year and a half ago I was charged numerous amounts of late fees when I initially enrolled into autopay. Now they said that I enrolled into a XXXX  month interest free. When I initially enrolled into a XXXX month plan. I spoke with multiple representatives today and they were not able to resolve my issue or waive any interest/ late fees Ive XXXX. They have a record of me speaking to an XXXX agent overseas on XXXX, requesting autopay enrollment, all late fees waived, and why I am receiving interest fees. I was on hold for XXXX minutes while they resolve the issue and the line disconnected. Ive tried many times to solve the issue but the agents are not very comprehensive! They deflect you from the reality of these random fees. I just want to pay off my initial balance thats all. I spend hours on the phone but again, no resolution. They now opened an investigation regarding the late fees and autopay but not the promotional balance I just now found out about. From my experience. I think theyre going to sweep this under the rug like theyve done with my other complaints. They also, randomly enrolled me into this insurance monthly fee scammed that I was unknowingly paying for each month. They credited it all back on my account amounting to {$740.00}. Theres many scammy things happening that need to be investigated. Thank you. I hope you can help me!
Consumer complaint received 2017-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: OPORTUN FINANCIAL CORPORATION (NV)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, California XXXX This company I checked my credit without my permission po 9 times in a year and I tried to talk to them but they spoke to me in a despotic way and I wrote them they never answered me
Consumer complaint received 2022-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC (OK)

G C SERVICES Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance - {$2100.00} Account number - XXXX Date opened- XX/XX/2022 G C SERVICES Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX This cause negative impact on my credit report.
Consumer complaint received 2020-01-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (IL)

Vehicle Loan was a for new vehicle, started loan payments in XXXX, car was involved in accident. The insurance company totaled the vehicle out, a check was made in XXXX XXXX from insurance to bank, bank has since yet to cash check. Check has been sitting in bank since it was issued. Bank gave me no reason as to why check was rejected or not cashed, it is 3 months later now, still no results. The bank is threatening me of reporting to credit agency of delinquency, yet they still have not acted on this manner. I have gap insurance for any shortages but that won't be initiated until the check clears. I am receiving calls and was told that I would continually get calls until matter is rectified.
Consumer complaint received 2020-01-08
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. (IL)

I have requested a copy of the document I signed giving them the right to check my Credit. They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit
Consumer complaint received 2022-01-28
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (VA)

XXXX contacted me ( email & phone ) telling me that I owe them {$1400.00}. They insist I sent {$350.00} each to 4 individuals (? ) through XXXX & that I owe them the money. I never sent any money to anybody online, let alone XXXX. I did not purchase any item at such amounts online either. I told them I did not make that transaction they allege but they insist that I owe them money. Now I received a letter from a collection agency demanding my payment of {$1400.00}.
Consumer complaint received 2022-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/2022, I deposited a check with Chase Bank in the amount {$2200.00}. I received this check from my mortgage servicer, XXXX XXXX XXXX XXXX XXXX ( XXXX ) as an escrow overage refund. I have received escrow refunds from this servicer for 2 years prior. 

I deposited this check via mobile deposit. It was received, reviewed, and then approved. I then attempted to move the money from the Chase account to an account with another financial institution ( XXXX XXXX  ) where I normally store my Mortgage Payment savings. On the day this transfer was supposed to be completed, I received a message informing me that the transfer had to be cancelled because of an unspecified problem with the originating account ( Chase ). 

I then attempted the reverse and tried to do an external withdrawal from the Chase account to the XXXX account, only for that transfer to be cancelled as well. On XX/XX/XXXX, I called XXXX XXXX  and was informed that my Chase account was frozen. 

I then immediately went to my local Chase branch on the evening of XX/XX/XXXX and asked why my account was frozen. They did some research and called their headquarters support line. They informed me that the check I attempted to deposit was inconsistent - specifically the issuer of the check and the number of the bank account did not match. I was questioned about how I obtained this check, why did I receive it, among others. The branch informed me that the likely action would be the check would be returned. 

I called my mortgage servicer, XXXX that night and relayed the issues I was having. They informed me that the check was a good check and if I still had it I could attempt to deposit it at another institution. 

On XXXX XXXX, I noticed that XXXX charges appeared on my account, both dated XXXX XXXX : The first was for {$2200.00} and the second was for {$40.00}. These XXXX charges brought my account to {$0.00}. Both were labeled as Debit DDA - Check Charge with no further information. I Chase 's main service line and was redirected to customer concerns. I explained what happened and was informed my account was in the process of being closed and the latter charge would be paid out in a settlement account via a cashier 's check in about 14 business days. 

Chase was unable to tell me why my account was being closed. They failed to inform me that my account was in a restricted state. They did not indicate that there were any concerns with the check I attempted to deposit ( and in fact told me my deposit was approved and the funds were available ). I do not have the funds available from my escrow refund, and now I will need to wait 14 days for the money that was existing in my account to be returned to me.
Consumer complaint received 2022-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Upon checking my report I noticed a collection from XXXX, Ive never done business with this company or entered into a written contract with this company. This account is fraudulent. 

Please see attached Ftc!! Please dont respond back saying you cant read upload ftc report.
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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 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 XXXX Balance : $ - ; XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX ; XXXX XX/XX/2021
Consumer complaint received 2022-11-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BlockFi Inc (CA)

I had taken out a collateralized loan with Blockfi and used XXXX XXXX as my collateral. I paid the remainder of the principal of my loan off on XX/XX/2022. Blockfi notified me shortly after that the collateral XXXX  that They had held would then be returned to my Blockfi wallet after processing the ach transaction. 

On XX/XX/2022, we received word from Blockfi through XXXX that they suspended all withdrawals of any kind through their platform and failed to process the previous transaction. So now i have been left exposed twice awaiting either a refund of my principal pay off and my collateral that was supposedly held safely. Many other customers affected with my same circumstance.
Consumer complaint received 2022-11-19
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. (TX)

i was looking over my credit report and saw i had some inquiries on my credit report that i didnt gave permission to run my credit. XXXX on XXXX on XXXX, XXXX XXXX on XXXX, XXXX XXXX on XXXXXXXX XXXX XXXXXXXX on XXXX, XXXX XXXX  on XXXX, XXXX XXXX  on XXXX, XXXX on XXXX XXXX XXXXXXXX XXXX  on XXXX, XXXX on XXXX and XXXX XXXX XXXX on XXXXXXXX.please delete the inquiries immediately. 15 U.S.C. 1681 section 604 A section 2 clearly state consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2020-01-08
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: MECHANICS BANK (IL)

I have requested a copy of the document I signed giving them the right to check my Credit.  They have refused to provide proof of authorization ( which they did not have ) I never directly gave them authorization to pull my credit
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

XXXX XXXX XXXX is reporting an erroneous late on my credit file. I Paid the balance in full but wasn't aware of the annual fee in monthly payments. I do not receive statements or notices and never received a notice about this late payment. On top of that, they also had the incorrect email listed on file so I was not getting anything from them. I have had this account for a long time and have never been late. I am very disappointed about the communication I get from this company especially being that this is something that affected my credit severely. Under the federal mandate you are not allowed to add this late notation to my credit file anyway. I am asking as a long time customer that you remove this XX/XX/20. I was not aware that the annual fee was to be paid monthly.
Consumer complaint received 2016-12-10
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Ability Recovery Services, LLC (GA)

This company, ABILITY RECOVERY SERVICES , LLC was found on my credit report and I did not receive any 30 day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report. Ultimately resulting in Defamation of Character.