davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC (PA)

XXXX XXXX XXXX on behalf of XXXX XXXX XXXX reported two accounts as delinquent to the credit bureaus without properly notifying me that the account will be sent to collections. I tried to dispute with credit bereaus but nothing was done.
Consumer complaint received 2022-09-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I received an email for a job interview that was posted at XXXX. I was given instructions to download a telegram app for communication. I contacted the HR person through this platform. The interview happened via chat. It seems everything is real. They use the company XXXX XXXX. the HR person introduced himself as XXXX XXXX XXXX. I check online, theres a XXXX XXXX as an HR HEAD for XXXX XXXX. Interview went well. All the questions seem to be a real interview. I was told that I am a good fit for the position. They sent me a contract to sign. He sent me information on how this work-from-home job process. 
For me to get the materials, they sent me a check ( {$1900.00} ) to my email. They gave instructions to deposit it into my account, which I did. XXXX XXXX instructed me to send {$1000.00} to their trusted vendor, XXXX XXXX, via XXXX. Then, followed by the remaining {$970.00}. He had told me that payments were received by XXXX through XXXX app. Her acct at XXXX is XXXX. 
Prior to sending this money through XXXX, the check that they sent me was posted/cleared, which means it was funded. I also called my bank Chase, to check if the XXXX account of XXXX exists, and it is. After XXXX XXXX confirmed that the remaining {$970.00} was received by the vendor, he told me that the {$1900.00} were not enough and that they need to sense me again another check. 
I already sense that something is fishy. I sent him a message ( all these are communicated through chat ), and I told him, I am sorry... 
Is it possible for the company to send the check to XXXX? My XXXX and I are just not comfortable with this arrangement. and he answered, Okay good... I need you to be on standby.. I will forward this to the XXXX XXXX I will let you know as soon as I have update for me.. This XXXX XXXX XXXX has a telephone number registered in the XXXX app as ( XXXX ) XXXX. 

On XX/XX/22, ( which is after a day ), I reported this to my bank Chase. I was also advised to call XXXX, which I also did. XXXX customer service asked for the transaction numbers, and I provided them. 

Chase told me right that they will file a case with their XXXX Department but they do not guarantee that my money will be refunded. They have also told me that decision will be available on XX/XX/22. 

I called on XX/XX/22 to Chase and I was informed that they were not able to get my money back. 

I don't believe that they ever tried to recover my money. Even when I called XXXX on XX/XX/22, I was told that the scammer 's XXXX account is active. I called both Chase and XXXX on the same day, even though it was XXXX, XX/XX/22 for them to at least freeze or alert the scammer 's account. 

This is so frustrating! that Chase bank showed that the " check '' was legit and put funds in my account ( I was told also that it was a legit check ) until 3 days after that same check was declined/bounced. And my money they can't recover?! I felt like Chase gave me a fake balance/funds to my bank account and has not protected my money.
Consumer complaint received 2022-10-06
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. (NJ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  DATA XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2022-10-06
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. (GA)

I have check my credit reports and I saw all these inquiries, they don't belong to me. 


XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2018-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (KY)

The following are hard inquiries on my account that don't belong because I've never applied for a credit card with any of these businesses. There is currently an investigation going on in which my mother had taken loans on my credit and I believe she is the one still applying for credit cards. 
XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
Cbna Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks
Consumer complaint received 2022-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (WA)

I have been the victim of identity theft. My wife and I both have been swept up in what seems like one data breach after another. I have previously reported similar incidents in the past that involve utility companies in the XXXX XXXX United States. XXXX XXXX  and XXXX XXXX companies are what I remember and this incident again involves XXXX XXXX. This debt is {$650.00} Creditor : XXXXXXXX XXXX Reference # : XXXX Date of Service : XX/XX/2020 Service For : XXXX XXXX XXXX PIN # XXXX The collection agency has been made aware by me that they, AGAIN have been defrauded by a person/s using my social security number. 
The collection agency is ONLINE INFORMATION SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX ( XXXX ) XXXX My wife and I have never lived anywhere other than the State of Washington, we have no Rental Holdings XXXX We do have residential history and XXXX XXXX XXXX XXXX that encompass the last 30 years and refute this debt. 

I have reported this incident to our local law enforcement agency, XXXX XXXX Sheriffs Department. 
The Citizen Report with tracking number XXXX has been processed. 

The formal report has been processed and filed with the XXXX XXXX Sheriff Department under incident number : XXXX. 
( XXXX ) XXXX
Consumer complaint received 2022-09-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC (OH)

I messaged the company and they refused to confirm the debt. I have proof in text messages and will be contacting the Attorney Generals Office if this matter isn't solved. I was told I owe {$340.00} from a utility company. I've never heard of this company and never signed any documents for them. This debt collector is being rude and not helpful at all. Not sure if they are a scam or what but I need to see proof of this and where it came from before I pursue more actions.
Consumer complaint received 2022-10-06
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: Homeward, Inc. (GA)

I was applying for a mortgage for a house with Homeward Mortgage company. One of their perks was that they would only do a soft credit check unless a hard check was needed. If needed they would have to approve it with us and contact us ahead of time. We were told this on the phone and in texts I have on my phone with screenshots from XX/XX/XXXX. However after checking my credit report on XX/XX/XXXX I see they did a credit check that hit my account. I was never contacted by phone, through call or text or by email in any way asking or notifying me. I have sent this to the two people I was working with XXXX XXXX and XXXX XXXX but no response.
Consumer complaint received 2022-09-27
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. (OH)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have violated my rights. 15 USC 1681 section 602a states ; I have a right to privacy. 15USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instruction
Consumer complaint received 2022-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have inquiries on my credit report that I didn't authorized and unaware of. 

XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2018-08-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (FL)

We purchased a XXXX XXXX home in XXXX and we paying on time every month, until XX/XX/XXXX, I was laid and my husband and I could no longer make the payment of {$3200.00} monthly. We paid up until XX/XX/XXXX and can no longer make further payments, since my family consists of XXXX people, including my mother who has had two XXXX. We contacted Flagstar Bank in XXXX when I lost my job and they gave us a list of agencies that could assist us in filling out the papers of hardship. We chose XXXX and visited with their office in XXXX, providing all the documentation requested. Since then we have communicating with XXXX  ( XX/XX/XXXX, XXXX, XXXX. XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX ) and Flagstar Bank regarding the status and no one seems to be interested. Flagstar sent us a correspondence on XX/XX/XXXX stating our litigation matter has been closed and now threatening to foreclose on our home. We have been communicating with Flagstar Bank in between the above mentioned dates since we were not hearing from either one. Now with the latest threat of foreclosure we are very concern. I have little children ranging from XXXX to XXXX. Please I am seeking your assistance in helping us save our home. We have provided documents on our own as well this week and still nothing is being done. Thank you for your assistance.
Consumer complaint received 2022-09-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

There is a medical collection on my credit report that I do not believe I owe. I have disputed the debt with the credit bureaus, and the only response received was that the debt met FCRA guidelines. I then sent a HIPAA request for validation of the debt to Account Resolution Services XX/XX/XXXX and I have yet to receive a response. 

I have no idea what this debt is for, and I have no knowledge of the service provider. This misreporting is hurting my credit, and the collection agency is not providing me with validation of this debt. 

Collection Agency : Account Resolution Services Provider : ARS XXXX XXXX XXXX Date of collection : XX/XX/XXXX Account Number : XXXX Amount of Debt : {$2000.00}
Consumer complaint received 2022-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXXXXXX XXXX XXXX IS MISTAKENLY REPORTING ME IN COLLECTIONS. PLEASE SEE AN ITEMIZATION OF ALL MY MEDICAL RECORDS FROM XXXX ATTACHED. THIS IS DIRECTLY FROM THE HOSPITAL AND ALL BILLS WERE PAID THROUGH MY INSURANCE. PLEASE DELETE THE XXXX XXXX FROM MY CREDIT. PLEASE AND THANK YOU VERY MUCH.
Consumer complaint received 2022-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NC)

I filed a complaint with the CFPB see case number below. 

I still disagree with their response. AMEX cant even get the date I opened the account correct. Their response letter says XX/XX/2022 I opened the account but it did not have the 0 % promotional offer linked to it. However I opened the account on XXXX XX/XX/2022. I have confirmed this with my credit report. 

An ANEX manager told me AMEX doesnt even know what offers are given out through 3rd parties such as XXXX where I signed up for the card. If they dont know the offers and dont know when I opened the account, I cant take their response. 

I would like AMEX to honor the offer I signed up on and detailed in my last complaint.
Consumer complaint received 2018-08-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (MI)

I didnt know there was an agency to make complaints in regards to this. I have been filling paperwork out for at least five years in regards to getting a discharge. I am XXXX XXXX, and I am unable to make any payments at all. I am on Social Security XXXX and can not make any payments at all. They tell me each time that they have not received them. At this point I dont know what to do. This is in regards to the Navient company.
Consumer complaint received 2022-09-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC. (NC)

Contacted company via Certified mail on XX/XX/2022 and XXXX/XXXX/220 to ask for validation of debt trying to be collected by this company. 

15 usc 1685i ( 5 ) removal of inaccurate invalidated/innacurate credit information " debt has not been validated, see attached letter dated XX/XX/2022 and letter dated XX/XX/2022 '' 15 usc 1681e ( B ) compliance procedures maximum possible accuracy " debt is not reported accurately across XXXX bureaus SEE DATE OPENED, NUMBER OF MONTHS ( TERMS ), HIGH CREDIT, LAST REPORTED, LAST ACTIVE, DATE OFF LAST PAYMENT. 

15 USC 1681 602A states I have the right to privacy.
Consumer complaint received 2018-08-24
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. (OR)

XX/XX/2018 I made a charge of {$3500.00} for an upcoming XXXX. on XX/XX/XXXX the rest of the XXXX charge of {$3500.00} was made. I have a credit limit of {$7000.00} and almost {$9000.00} in credit on the card since I sent in the money to cover the upcoming medical charges. Every charge on the card since XX/XX/XXXX when the {$3500.00} was charged is in pending, 5 charges to date are sitting in pending. 

When I called their customer service ( in XXXX ) I am told that the charges are in pending because the merchant has not collected the money. That makes no sense so I asked to speak to a supervisor who kept saying the same thing. She did admit it was odd so many charges were sitting in pending when I have all my credit limit available and a credit on the account. She said they have no one to investigate this type of issue and there is nothing they can do. In the mean time no one is getting paid and I can not use the card because every charge will go to pending. If I do not get my XXXX I could die, but no one at CITI cares.
Consumer complaint received 2018-08-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

I opened a checking account so I could receive my social security by direct deposit, and also collect rent from some of my leasers. I opened the account and deposited an initial {$25.00}, as well as collected rent of {$500.00}. 

Chase decided to close my account and now I'm out {$550.00}. They need to send me my money to the bank account with a rational banking institution and not what ever Chase thinks is right.
Consumer complaint received 2018-08-22
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. (TN)

I have tried to resolved this issue on many occasions with the three credit bureaus about late payments on my XXXX XXXX XXXX credit card to no luck. I have written letters to the company as wee as I was instructed to do.XXXX states that they do not respond to inquires but to send a letter to the three credit bureaus explaining my dilemma and they will remove the late payments considering it was no fault of mines. I was alone told the bureaus will remove which they did on the pay status bit not the pay history of my account. This has ben going on for months and every time I either call the bureaus to inquire I get a different explanation each time. Every time I call XXXX XXXX they tell me the letter of explanation should be sufficient. I would just like to know where it states late payments the status shows {$0.00}, but the pay status shows the late payments .The informed was changed on one column, but not the other
Consumer complaint received 2022-09-27
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. (TX)

XXXX loans reported my account past due to credit reporting bureau for the month of XXXX and XXXX. Even though my payments were automatically debited from my account for years prior, XXXX stopped debiting my after balance were payed off from original loan, but not the deferred balance from a previous company and automatically report my account as delinquent without notification the deferred balance would not be automatically taken from account like all other payments and I wasnt aware of this I feel they should of made me aware that deferred balance doesnt qualify for automatic payments
Consumer complaint received 2018-08-22
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. (TN)

Back in XXXX Equifax reported on my credit XXXX XXXX. of Health for late child support payments, I also in XXXX, submitted a dispute stating that I had no owed nor late payments with XXXX and account was closed as of 2015. I also sent via fax and upload a Certified letter from the XXXX Credit branch backing my claims. XXXX came the account was completely removed, and stayed that way until recently now there are two duplicate accounts showing for the samething. I contacted Equifax about the error and made a dispute against the duplicate also a week ago but the original account has been put back on my report, and its been four months since I disputed it, I just want to get this all resolved so I can move foward.
Consumer complaint received 2022-10-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

On XX/XX/2022 I sent a letters to Equifax, XXXX and XXXX disputing an inaccurate late payment that was on my credit report. I asked that the erroneous item be verified and validated. I was informed by each Credit Reporting Agency that they had completed their investigations and none of them were able to verify the information, however the 30 Day late is still showing on all of my credit reports even though they were unable to verify its accuracy.
Consumer complaint received 2019-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRSTBANK PUERTO RICO (FL)

This is a new complaint and is related to my complaint # XXXX. 1st Bank did in fact reverse the fee which is good but what they did in order to do that was completely delete a payment I had staged to go out on XX/XX/28 for XXXX 's mortgage payment. 

What they neglected to do is notify me immediately that this was done via email, text or phone call so that I can have the opportunity to setup another payment for XXXX. 

If I did not happen to login to their website and notice this, I could have missed XXXX 's payment which would have caused a late fee and a derogatory credit report statement.