davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I had an AARP XXXX Credit Card from Chase Card Services ( account # XXXX XXXX XXXX XXXX ) for many years through to XX/XX/2021 XXXX which time AARP advised that they were transferring their accounts from Chase Card Services to XXXX  XXXX XXXX through XXXX. On XX/XX/2021 I mailed a check payment ( XXXX XXXX XXXX check # XXXX ) to Chase for the current statement for existing balance in the amount of {$350.00} I tracked the payment so that I would have a XXXX outstanding credit balance at the time the account was to be transferred to XXXX XXXX on XX/XX/2021. When I called Chase on the statement closing date of XX/XX/2021 the automated account information stated that no payment was recorded and that my balance was due. With this information, I wrote another check ( XXXX XXXX XXXX # XXXX ) to pay the {$350.00} balance in person at a Chase Bank branch. I didn't stop payment on the original check # XXXX which I thought would " cross '' the account and the check would be returned to me. This didn't happen. 

What happened is that my XXXX bank statement arrived by mail mid XX/XX/2021 showing that check # XXXX payable to Chase Card Services cleared my bank on XX/XX/2021. I began calling Chase customer service XXXX and was repeatedly told they did not have any credit card account under my name or account number and referred me to XXXX. XXXX was not able to help. Their account information was that I had a XXXX credit balance transferred from Chase on XX/XX/2021. 

I had tried to find the way to file a complaint sooner but could not get the correct website information. Today I called the XXXX XXXX XXXXXXXX XXXX XXXX XXXX number and was able to get a representative who gave me the information for Consumer Financial Protection Bureau. I want to have my duplicate payment returned in the amount of {$350.00}. I would appreciate your help.
Consumer complaint received 2022-06-09
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. (WI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # 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 a account without my written instructions
Consumer complaint received 2022-05-04
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: FORD MOTOR CREDIT CO. (IL)

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 2022-07-31
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting act. TheAccount below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


US DEPT. OF EDUCATIONXXXX Account # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-15
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. (CA)

I have been waiting for nearly five years for Equifax to pay for the damage to my credit from their massive breach of consumer data. As a result of said breach, my credit information was used to open numerous credit accounts, and I had to hire XXXX for nearly five years to clean up that mess. Equifax was supposed to pay for my credit monitoring costs, and for all the time it took to clean up my credit. I filed claims with Equifax in a timely manner and have not heard anything from them. They are suppose dot pay up to {$5000.00}, for individual damage, and {$1500.00} for credit reporting. They have not paid a cent to me, nor have they even communicated with me. It is bad enough that they failed to protect my credit information, but it is bad faith on their part to avoid the court ordered settlement and ignore claimants. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. XXXX
Consumer complaint received 2019-03-28
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. (CA)

I contacted this company on XXXX explaining in detail that I am a victim of identity theft. I even attached all the documents that Is needed to proof my claims. But to my surprise, this company is still reporting these fraudulent accounts even after receiving my claims. Thus the reason for my writing this letter is to inform your dispute department that I am a victim of identity theft. My personal information was compromised and as a result fraudulent charges were included on my accounts without my consent or authorization. I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent charges included on my report. Below are the fraudulent accounts that I need to be removed : 1. 
XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$7100.00} 2. XXXX XXXX, Opened Date XX/XX/XXXX, XXXX {$1400.00} 3. XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$170.00} I am attaching all the documents I sent to them earlier for your reference
Consumer complaint received 2022-10-24
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: DISCOVER BANK (NJ)

I made a purchase in XXXX and created a credit card dispute under the bases of incomplete services with Discover on the date of XX/XX/2022 for the amount of {$2300.00}. On the discover credit card services website and their own cards benefit pamphlet it shows that discover has the ability to dispute purchases for 3 reasons, one of them being " Incomplete service : Did you pay for something that was never delivered? Was there a quality issue that affected your ability to use your purchase, or the product you received wasnt as advertised when you charged your card to pay for it? While youll need to make a good-faith effort to solve the problem with the merchant first, you can also dispute credit card purchases where there were these types of service issues. '' I made a purchase on an order where the seller messed up and sent me the wrong items. They agreed to a refund once I returned the item. This was the result of the products received wasn't as advertised, as clearly stated by discovers return policy. I agreed to return the items, and the return was sent back and delivered. After delivery, the seller refused to refund me for some odd reason. I believe they were double dipping me by keeping my order that I returned brand new and the money I spent on it. So they got a 2 for 1. I told discover this and provided ample amounts of evidence, of the order being returned and received by the seller and the seller refusing to refund me. They still sided with the seller. I opened a chargeback not only once but twice and they still sided with the seller when I provided evidence that the return was delivered to them and the seller was committing fraud by keeping my return and the money I sent them. Discover said I need proof that the refund is owed to me. How can I get proof from a fraud company that won't return me my money or the items I bought from them? Discover does not uphold to what their dispute claims are stated on their website. They do not care if their consumers get scammed. They will let it happen and ignore their consumers.
Consumer complaint received 2022-06-09
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. (GA)

In accordance with with the fair credit reporting act and account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A 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 a account without my written instruction.
Consumer complaint received 2021-11-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MA)

After buying our new condominium in XXXX we received a tax bill for the whole building in XX/XX/2021. I promptly forwarded to the escrow company that bill ( {$3300.00} ) with our deed that explained that we owe 33.33 % as we are one of three units in the building. This brings a total owed by us to {$1100.00} by XXXX. The mortgage company did not respond and did not paid the bill, when contacted they just said that they were looking into it. 

By XXXX we received the second quarterly bill for the building. The total owed by our unit is {$2200.00} and we have received {$37.00} in interest for non payment of the first quarter. I again contacted the mortgage company multiple times by phone, email and text. They assured me that the bill will be paid by the due date, XX/XX/XXXX. 

On XXXX we got an escrow analysis done and they estimated the real estate taxes to be {$10000.00}, up from {$6600.00}. So now our payments are increasing {$580.00} per month without an actual split bill from the city and without any disbursements made for real estate taxes. 

Today ( XXXX ) I contacted the mortgage company again because the real estate tax bill has not been paid and they stated that they will not move until the city splits up the building into individual tax bills. The city has repeatedly told the escrow company that the split will happen in XXXX and to just pay a third of what is owed according to the deed.
Consumer complaint received 2022-07-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc. (CA)

I have a line of credit for XXXX based on my availability of funds in my checking account. This is a digital credit card meaning it only goes through the app. Ive struggled multiple times with the app, due to it not connecting to a payment source, or if you need to switch payable accounts, you need to contact customer service by email only. There is no phone number for this company anymore. I got hit with a late payment that was reported to the credit bureaus due to my account not being fixed. I emailed the customer service team about this issues twice a week prior to the payment due date to get my account fixed. Never got a response, I was hit with a late payment on my credit and assessed fees. No one fixed my account until XXXX to which I just paid of my entire balance due to fear of this happening again. The app reviews are riddled with the same stories and peoples credit being tanked because of the poor customer service. Ive reached out 4x since the credit hit and still havent seen a single response from this company.
Consumer complaint received 2021-06-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IL)

I requested a refund from XXXX on XX/XX/XXXX. The funds were immediately sent back to PayPal and PayPal states they returned the funds to my XXXX XXXX XXXX debit card. Problem is, that account was closed around XX/XX/XXXX. XXXX XXXX XXXX shows no funds and stated ( multiple times on multiple calls ) that the transaction would reject and be returned to PayPal. This was not a simple debit card number change ; our account is completely closed. I was told 48-72 hours after the attempt would be when PayPal could see it. Ive called PayPal multiple times with them refusing to do anything, including trace the funds. This is for XXXX
Consumer complaint received 2022-07-30
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP (VA)

She called my phone and said she was with a law firm and had information to provide me. She then asked for my address and I provided it to her, she then said that there was another address on file. If I wanted the information I would need to provide my older address to retrieve it. Once I told her that I didnt remember it, she hung up. When I called back I was given their website, https : //www.lgbs-ert.com/ and was told it was a collection agency by the automated system. When a representative got on the phone I asked why I was being contacted since their website says that they work for the XXXX city tolls, but when I gave them my license plate, they said there was no collection for that plate. I then told her that they contacted me. After she, the same person that called me, looked it up by my number, she told me she wouldnt tell me why I was being contacted since the address I proved was wrong. She also said that they may have the wrong person then hung up on me. The phone number she used is XXXX ( XXXX ) XXXX.
Consumer complaint received 2022-05-04
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (NY)

Navient reported to the credit bureau that my payments weee late which is false Because my loans were placed on forbearance at the time. They also put the incorrect amount doubling what is owed. I can not get a loan, rent an apt , or even buy a home because of this.
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (TX)

Goldman sachs is erroneously reporting my account as settled for less than the amount due. This is false as shown in my statements attached. This has damaged my credit. Furthermore, after closing my account a week ago they have refused to give me a reason for closing the account.
Consumer complaint received 2022-10-08
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. (IL)

I have inquires on my credit that I do not recognize and they need to be removed now. they are all included below and on my ftc report, that are from ( XXXX  card services ), ( XXXX bank, ) ( XXXX XXXX XXXX  ), ( XXXX XXXX ) XXXX XXXX  )
Consumer complaint received 2015-03-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (FL)

Applied for a loan modification back in XX/XX/XXXX, loan representive at the time was XXXX XXXX. I was told by XXXX XXXX back in XX/XX/XXXX that the loan modification was approved and that I would be receiving a package by fed ex to go over the terms. At that time I ask XXXX XXXX about the late payments he stated as long as I am under review for a modification the late payments is not a issue. Here it is XX/XX/XXXX never received the fed ex package with the so call terms. I 've been calling since XX/XX/XXXX trying to get an answer and I have n't as of yet ( XX/XX/XXXX ). This really bothers me been that foreclosure is very high in Florida. I need to know the status of this loan if I qualify for the modification or not. My plans are to keep this home but I definitely do n't want to get so far behind where I see there is no way to catch up. This loan was bought from XXXX back in XX/XX/XXXX, I actually was under a loan modification review with XXXX when this loan was transferred. BSI Financial Service has been giving me the run arounds since day XXXX, now I 'm told by XXXX XXXX that the representive I had XXXX XXXX is no longer with the company and that she ( XXXX XXXX ) will be my representive, not to my surprise XXXX XXXX states she can not find the loan modification package that was sent to my previous representive XXXX XXXX. To me another stall tactic to get my payments further behind so that BSI can put me in foreclosure. I need answer from BSI Financial Services ASAP ... ...
Consumer complaint received 2021-06-08
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: WELLS FARGO & COMPANY (NJ)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft WF CRD SVC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-10-24
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: Kimball, Tirey & St. John LLP (CA)

I requested a debt validation from the credit companies for each account. ALL XXXX REQUESTS FOR VALIDATION MUST BE RETURNED in 30 days. I requested on or around XX/XX/XXXX, XXXX, XXXX, 2022. As codified by federal law I requested : Debt validation- 1 ). Copy of the ORIGINAL CONTRACT with my SIGNATURE for the debt.

2 ). FULL payment history from the original creditor 3 ). Need the name and address of the original creditor 4 ). Need proof that they now own Or have been assigned to collect the debt.

Most companies sent the name and address of original creditor and the proof they have been assigned to collect the debt not NONE of the credit companies showed NO ACCOUNT WITH AN ORIGINAL CONTRACT WITH SIGNATURE OR A FULL ( not just a month or two ) HISTORY.

As codified by federal law these accounts must be closed and must be removed as a Derogatory mark on my 3 credit reports. I gave contacts them to explain that they have not returned the full request as required by law and are refusing to close and remove remarks.
Consumer complaint received 2022-10-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

LVNV FUNDING is attempting to collect an assumed debt on behalf of XXXX XXXX for the amount of {$51.00}. I have made several attempts to communicate both the collection company and creditor. This debt does not belong to me and I have never had cable services with XXXX. I have requested proof of a contract stating that I have business with them. This is negatively affecting my credit rating.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CO)

On XX/XX/22 I disputed the information through Experian, XXXX XXXX XXXX on an auto loan from XXXX as inaccurate. The disputed account stayed and remained. On XX/XX/22 I disputed the account Again including the information regarding a litigation suit involving the finance company and the file was updated with inaccurate information.
Consumer complaint received 2022-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Castle Mortgage Corporation dba Excelerate Capital (CA)

My loan was transferred from Excelerate Capital to XXXX. Excelerate capital never made me aware of the transfer. Excelerate Capital said they sold the loan on XX/XX/XXXX but I was not made aware until I received XXXX XX/XX/XXXX statements, XXXX from Excelerate Capital and XXXX. Not only that, I have a statement from Excelerate Capital for XX/XX/XXXX which I paid on XX/XX/XXXX for {$1500.00}. If Excelerate Capital had sold my loan on XX/XX/XXXX why did I get a statement for XXXX and XXXX. XXXX sent me letters of delinquent payment but I was not aware that my loan had been sold, the fact that I had a statement from Excelerate Capital for XXXX and XXXX. I have been in daily contact with Excelerate Capital and XXXX since XX/XX/XXXX when I discovered the issue. The inability for these XXXX companies to process the transfer is astounding. Now it is past the 60 day protection and things still haven't been resolved.
Consumer complaint received 2022-10-24
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: Southwest Credit Systems, L.P. (CA)

I requested a debt validation from the credit companies for each account. ALL FOUR REQUESTS FOR VALIDATION MUST BE RETURNED in 30 days. I requested on or around XX/XX/XXXX, XXXX, XXXX, XXXX. As codified by federal law I requested : Debt validation- 1 ). Copy of the ORIGINAL CONTRACT with my SIGNATURE for the debt.

2 ). FULL payment history from the original creditor 3 ). Need the name and address of the original creditor 4 ). Need proof that they now own Or have been assigned to collect the debt.

Most companies sent the name and address of original creditor and the proof they have been assigned to collect the debt not NONE of the credit companies showed NO ACCOUNT WITH AN ORIGINAL CONTRACT WITH SIGNATURE OR A FULL ( not just a month or two ) HISTORY.

As codified by federal law these accounts must be closed and must be r
emoved as a Derogatory mark on my 3 credit reports. I gave contacts them to explain that they have not returned the full request as required by law and are refusing to close and remove remarks.