davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (TX)

I am not familiar with these accounts whatsoever and have filed an identity theft report as I have been instructed by my legal representation the proper steps to ensure you remedy this situation. I HAVE NOTIFIED THE PROPER AUTHORITIES. I have been in contact with the company to challenge. This is clearly an error and is NOT my account.THese accounts are fraudulant and I have notified the credit bureaus and authorities. 

JPMCB CARD- XXXX -XX/XX/XXXX JPMCB CARD - XXXX - XX/XX/XXXX JPMCB CARD - balance- {$29000.00} XX/XX/XXXX JPMCB CARD - balance- {$2100.00} XX/XX/XXXX I have noticed this on my record its been misreported for a long time!!! This is outrageous that your company can ruin someones life by letting someone take financial information and use it like this. 
with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I AM NOT ASKING FOR A RE-INVESTIGATION THIS IS A DEMAND TO DELETE THESE INACCURATE AND FRAUDULENT ITEMS. 

I have notified my attorney at XXXX XXXX XXXX to stop the actions of your company from contacting me anymore as well as remedy this quickly pursuant to the law section 605B of the FCRA this fraudulent information needs to be deleted to avoid further legal action. I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.
Consumer complaint received 2020-01-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CO)

I just checked my credit score and I seen Navient keeps removing thousands of dollars from my account as a payment then adds that same amount back plus more money and THEN added interest. I am being scammed and I have been BY them for years. I need help. I'm in so much debt and they are literally stealing my money under my nose and who knows how long this has been going on. 

I have school I attended, anthem, that was shut down and they refuse to help me with that. Even though I am allowed to get the money returned they absolutely won't help and refuse although I have proof! 


They sell and buy loans back under your nose and this ultimately costs you so much..these loans are from ten yrs ago and I have accumulated so much debt in loans and they try to encourage deferment then when you look at your account you see they have been scheming you because your NOT looking at your account! While In deferment!!! 

I don't even have current documents because I'm in deferment. They sell and buy my loans and change interest rates and it's not ok!!
Consumer complaint received 2020-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

Wednesday, XX/XX/2020 approximately XXXX Chase Bank in XXXX, TX The total was {$800.00} because of the {$3.00} transaction fee. 

I went tot he ATM to get the {$800.00} of our budget money from our XXXX account using the Chase ATM. I have done this many times, near the start of every month. The ATM machine got to the point where the machine sounded like it was counting the money but suddenly gave me an error and spit out a receipt and no money. The receipt said there was an error and to call a Chase phone number, which I did immediately. It took the money out of our account, but gave us no cash. I then went in to talk to the employees who had no solution. I called both Chase Bank and XXXX and no one was able to fix it. I called them all again yesterday and XXXX informed me they are waiting for Chase to respond to their open case. So here we are in day 3 of no budget money so that means no food for my family. I dont understand how this is legal.
Consumer complaint received 2022-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (NY)

I have ( ( had now I suppose ) a credit limit of {$4000.00}. I checked my accounts today as I typical do ever month or two and I noticed that Discover had closed my account. This strongly effects my credit score. I intentionally made sure I was paid up and even had my account frozen for security purposes. Im extremely disappointed as to how Im being treated as a consumer and find it absolutely ridiculous that they decided to close my account without any warning whatsoever. Please advise. 


Thank you very much. 

XXXX XXXX
Consumer complaint received 2015-12-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I checked my credit report and a new address appears there. I have not moved I reside in XXXX, NJ the new address that shows is XXXX XXXX XXXX XXXX, XXXX XXXX. I have never lived there and I have never used this address. I still reside at my XXXX, NJ address.
Consumer complaint received 2017-01-24
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP (WA)

Fidelity VISA card allows 2 % cash back on reward points. 
XXXX XXXX & XXXX XXXX also have monetary " cash '' back on their reward program. 

Fidelity VISA card is issue through US BANk and it 's credit card services for US BANK states " any monetary amount excced {$600.00} will be taxable ''. This is inconsistent with XXXX XXXX ( 1.5 % back CC and XXXX XXXX XXXX ) redemption programs on their reward points. 

Thus NO XXXX tax form is generated at XXXX XXXX or XXXX for reward point redemption. US Bank via Elan Servcies claism they will be sending tax information for value of {$600.00}. 

XXXX institutions with reward redemption programs and ONLy the Fidelity/US Bank seem to TAX you. 

Request a tax specialist at Fidelity & US Bank respond in detail as the usage of taxation on reward points seem inappropriate and should be consistent with XXXX XXXX & XXXX XXXX XXXX and be non-taxable income.
Consumer complaint received 2020-01-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Risecredit, LLC (CA)

I received a loan of {$4000.00} to be paid back @ {$250.00} every 2 weeks. 
Instead of the loan going down after XXXX payments my loan amount went up to {$4500.00} I was informed that they charge a " Per Diem '' fee of anywhere from {$16.00} to {$20.00} per day till the loan is paid off. My APR was set at 148.03 %. I was also told some people are charged up to 299 % APR fee. Is this legal? I believe this company is offering predatory loans.If I pay them according to the way they are charging me the loan pay back is {$11000.00}. 

Please Help before they ruin my credit!
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: EQUIFAX, INC. (NY)

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 you 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 block/remove these files. 

XXXX XXXX Date opened XX/XX/XXXX Balance {$210000.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$5200.00}, and XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Date opened XXXX XXXX, XXXX Balance : {$500.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you 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 2016-05-13
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

XXXX XXXX XXXX using XXXX speed pay I incorrectly submitted an incorrect bank acct # in processing payment, which resulted in a 30 day derogatory to the XXXX reporting Credit Bureau by my Mtge server. I contacted them explaining what happened and requested a one time courtesy reversal .I was in process of refinancing loan and that because of negative report it made me ineligible to qualify They have refused to grant me. I have made my payments on time since XXXX/XXXX/XXXX to present.
Consumer complaint received 2022-11-20
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)

Last night, I rec 'd an alert from XXXX XXXX starting that I applied for a CC with XXXX XXXX. I've never applied with XXXX XXXX. I called XXXXXXXX XXXX XXXX Fraud Dept XXXX and XXXX XXXX advised their was an Application ID # XXXX that was TD= Turned Down but she couldn't view the date. 
She advised me to reach out the XXXX credit bureaus and FTC and XXXX XXXX I am requesting a freeze on my credit.
Consumer complaint received 2022-08-28
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: Mr. Cooper Group Inc. (FL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-16
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. (NY)

I want this late payment deleted from my account within 15 days, I don't believe I'm late on thise late dates, Under USC 1666b, you should remove this late payment. Please update.

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. This account need to be updated : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2022-10-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (OH)

My Driver 's License was stolen. I informed the bank of the identity theft. The bank caught the first transaction but failed to stop it on XXXX subsequent occasions. The bank allowed for XXXX bad checks to be cashed totalling over {$10000.00}. Eventually the money was refunded. 

I have asked for the banks helped with the investigation and they have been uncooperative. The XXXX police departments have reached out and the bank again to return calls to the law enforcement agencies. I am disturbed by the banks handling of this situation. 

I also asked on multiple occasions for the government advocates information and was not provided this information by the bank.
Consumer complaint received 2022-11-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MD)

On XX/XX/2022, I bought a {$100.00} XXXX XXXX XXXX  from a XXXX self-checkout in XXXX, MD. I tried to order something on XXXX, but it said the card details were invalid. I tried many things. I checked to make sure the details were correct and they were. I tried using the name " cardholder, '' along with my own name. So I tried checking the balance in the XXXX website and wasn't able to. It said they were invalid details. I also tried checking the balance on other official sites, such as XXXX  and Vanilla gift cards, but it would not work. I've been scammed out of {$100.00} ( plus taxes ) by XXXX.
Consumer complaint received 2022-11-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: BlockFi Inc (TN)

I initiated a withdrawal from my Blockfi wallet on XX/XX/11 @ XXXX and XXXX XXXX. On XX/XX/11 @ XXXX XXXX, Blockfi sent me an email saying they were pausing all withdrawals until further notice. It's been over a week and my withdrawals have not been processed, despite being requested before the email notification. I'm very concerned I may not ever get my money back.
Consumer complaint received 2022-08-25
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: Experian Information Solutions Inc. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXXXXXX Balance : {$4000.00}, XXXX XXXX XXXXXXXX Balance : {$660.00}, XXXX OF XXXX XXXX Balance : {$0.00}, XXXX XXXX BANK XXXX Balance : {$450.00}, XXXX OF XXXX XXXXXXXX Balance : {$0.00}.
Consumer complaint received 2020-01-10
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 NOTICED THAT THERE IS AN INACCURATE ACCOUNT THAT IS BEING REPORTED ON MY CREDIT. THE ACCOUNT DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT WAS MADE BY ME. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-01-10
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Titan Receivables, Inc. (CA)

Titan receivables is the name that this collector has changed to from a different case called XXXX XXXX XXXX XXXX XXXX. He has added an amount of {$2100.00} from XXXX XXXX XXXX and now he calls it XXXX receivables. The file number matches XXXX and XXXX for a cost of {$2100.00} which is correct. Titan receivables is same account but with a fraudulent amount he has the same file number which makes my credit score in-depth XXXX plus dollars that is not supposed to be on my credit. The odd {$1800.00} it's from a case from 2012 bails bondsman that the statue of limitations is up and he changed the name to add it to my account anyway and put it under Titan receivables look at the file numbers they are the same except for he is fraudulently putting money on my credit that does not belong there
Consumer complaint received 2016-12-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I checked my credit on XXXX XXXX around XX/XX/2016. And then again around XXXX XXXX. There were inquiries that were removed and put back on. I Called and spoke to numerous reps and they refused to connect you to a supervisor or anyone in American offices to remove the inquires due to the Transunion Glitch. Some of the representatives were even belligerent and knew of the issue but told me too bad. I would like the following inquires removed as a result of this : XXXX XXXX XXXX- XXXX XXXX, 2016 XXXX Dba XXXX- XXXX XXXX, 2016 XXXX- XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX , 2016 XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX , 2016 XXXX XXXX XXXX XXXX XXXX, 2016 XXXX- XXXX XXXX, 2016 XXXX XXXX XXXX -- XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX, 2016 XXXX XXXX -- XXXX XXXX, 2016 XXXX XXXX XXXX XXXX, 2016 XXXX XXXX -- XXXX XXXX, 2016 XXXX -- XXXX XXXX, 2016
Consumer complaint received 2022-11-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

My identity was stolen by former friend XXXX XXXX. Turns out she used my personal identifying information to rent an apartment without my knowledge or consent. I have tried to reach her but she wont take my calls or texts. I have also contacted the apartment community, XXXX XXXX XXXX XXXX XXXXXXXX and I have contacted the XXXXXXXX XXXX  XXXX. 

The amount owed is {$2300.00} and is now in collections. I have been able to successfully have the item removed from XXXX but XXXX refuses to remove the collection. 

The collector, ProCollect Inc was rude and not helpful at al. They simply insisted that I pay for this and I absolultey refuse because this debt it not mine.
Consumer complaint received 2023-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OR)

I noticed a while ago that a collection appeared on my credit report for the amount of XXXX. It is listed as " XXXX XXXX XXXX ''. It indicates the original creditor is " XXXX XXXX XXXX XXXX ''. And it indicates the account was opened on XXXX. I moved to Oregon in XX/XX/XXXX and bought XXXX insurance shortly after due to my insurance company being unable to keep me insured due to a ticket. My insurance that indicated they couldn't keep me in was XXXX. Prior to that, I had XXXX for years ( Since at least XXXX ). I actually was involved in a lawsuit that clearly was with XXXX in XXXX following an accident, which I was not at fault for. I am including documents that I found via my email showing my XXXX policy as early as XXXX and my last email from the XXXX which was in XXXX. This means this debt is falsely reporting to my credit that I owe them for a debt that was created in XXXX, and it is past the statute of limitations per WA law which indicates any written contract 6 years is the statute of limitations. However, insurance companies bill on a monthly basis. I simply changed insurance policies and chose not to continue with them, therefore, I will not for insurance I was not actively using and did not pay which resulted in a lapse- not a balance.
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GOLDMAN SACHS BANK USA (MA)

I opened an Apple credit card and used it for a few purchases. I needed to pay the bill Of {$87.00} and contacted them to make a payment over the phone by check. I paid the balance on XX/XX/19 over the phone by check. 
I received a letter demanding payment again for the same bill, this time with an added amount of interest, {$2.00}. I contacted them again by phone and agreed to send a paper check via U.S. Postal service, which I did for {$87.00} on XX/XX/19 ( # XXXX ). 
I received another bill via USPS demanding payment of interest on top of Interest, the new amount is {$2.00}. I have tried to resolve this matter via phone to no avail. 
I do not owe this money. I appreciate any assistance you may provide. This is a Predatory tactic by a large bank which has engaged in unfair and deceptive practices.
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

XX/XX/2020 ACE CASH EXPRESS XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On:XX/XX/2020 The company above or, people working through them, fraudulently made a Regular Inquiry. XXXX XXXX says this was a hard credit request. They updated my Employer to XXXX XXXX. I have never worked at XXXX XXXX. 
In any case, I do not know who this company is, and I have not applied for any credit in over a year. When I called the number above, I got some kind of hard medical sales pitch. 
XX/XX/2020 XXXX XXXX Credit Card Services notified me that XXXX individuals had been listed as new authorized users. They would not tell me who these individuals are. I cancelled the account. No fraudulent charges were made. 
XX/XX/2020 Filed a XXXX XXXX with Credit Bureau XXXX.
Consumer complaint received 2020-01-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (WI)

I purchased a vehicle on XX/XX/XXXX through XXXX XXXX XXXX, and received the first billing documents dated XX/XX/XXXX. The billing documents stated XXXX XXXX XXXX are licensed to JPMorgan Chase Bank, N.A. ( " Chase '' ). 
Approximately XX/XX/XXXX, I went online to sign up for auto withdrawal for my monthly payments. I do not have any account with Chase, so it was determined an " external account ''. The last step in the process, I was asked for my username and password for my personal bank account so it could be verified. I responded I would not give this information out, so I was then requested to give Chase permission to " deposit and then withdraw a " small amount '' " to this account. I have NEVER been asked for my username and password to a personal bank account to set up a direct withdrawal for monthly payments, and should NEVER be asked this. Chase had the statement listed - no one will have access to this information, but we all know how well cyber security works. 
If this request is not illegal, it should be. I was not given the second option until I checked I would not give out this information, which would lead many customers to feel they have to give out their personal username and password to complete the set up of the auto withdrawal. No company should request or need to have this sensitive, private information be part of setting up an auto withdrawal, or any other type of withdrawal from an external account.