davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (TX)

I receieved a notification from my cred report about an increase in my auto loan. However, i paid ahead on my account for several months. I paid all my late fees off over s period of time. Now, Chase is saying I owe XXXX in fees. I have n't had a fee on my account for at least 8 months. Additionally, I been paying XXXX dollars extra monthly to take care of any out mstanding fee. I tried to call chase about the matter the representative on the phone tried to give me an excuse saying sometime they forget to put it on there. I explained to him I did n't believe that statement. Any other time it 's placed on the account 10 days after its due.
Consumer complaint received 2024-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (TX)

I received a phone call from TrueAccord stating I owe an outstanding balance from XXXX XXXX XXXX. I informed the representative that I paid XXXX XXXX XXXX in full years ago, and the debt TrueAccord is trying to collect is a fraud. On XX/XX/2024, I received an email from representative XXXX XXXX from TrueAccord ( request XXXX ) stating that this debit is ongoing under their investigation to collect a debt for XXXX XXXX XXXX. I tried to contact XXXX XXXX XXXX to find out that it is no longer in business as a financial company and has been closed.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CL Holdings LLC (FL)

I disputed activity years ago and it was settled, but since then my account has been sold to other collections agencies : Acct bought : XXXX ) XXXX by XXXX XXXX XXXX ) XXXX by Diversified XXXX XXXX Currently open date : XXXX ) XXXX by Jefferson Capital System This was not my activity in the first place!
Consumer complaint received 2024-02-20
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GLOBAL CREDIT UNION (AK)

XXXX Time around XXXX I tried to deposit XXXX usd through atm of GLOBAL CREDIT UNION after it counted all the money it said its more than XXXXbills so i can either continue the transaction or cancel and take the money bank i took a minute to think what it said and then a message popped up saying do you need more time i hit no and than it said your transaction is canceled take your money back It gave me XXXX back and it was making some noise after and then it stopped and a message popped up only for XXXX XXXX or short i could only read it saying you couldnt take your cash on allotted time and then the screen went back to the home mode.
Consumer complaint received 2016-01-29
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (FL)

On three ( 3 ) separate occasions over the past 2 years, a charge has appeared on my Chase Freedom credit card account of {$16.00} from a company I have no knowledge of, and have never done business with ( XXXX & XXXX # XXXX ). When I complained to Chase about the erroneous charge, they removed it and closed the account. They then issued me a new account number, which meant I had to wait for the arrival of the new card, and then take the time to notify all my reoccurring charge accounts of the new number. I can understand how a scam company might somehow get a false charge posted to my account, but you can not make me believe it can happen 3 times, with XXXX separate account numbers without collusion with Chase. In all the many, many years I have had credit cards with various banks, this is the only time it has ever happened, and it was with Chase, and three times.
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (TX)

I received a XXXX tax form from Wells Fargo-Customer Remediation , form 1099-INT. The tax form has as interest income XXXX which I never received so I called the Remediation Support Team number at XXXX on XX/XX/XXXX. I spoke to a lady name XXXX and she said I should of received a check for a little over {$5000.00} instead in XXXX. She put in the request and said it will take up to 45 days to receive and the contact number to follow-up is XXXX and reference number XXXX. I called both numbers today around XXXX and both had automated messages that the office was closed. I want to know if this Wells Fargo Remediation is real because the tax form is incorrect and I didn't receive the check or it's a scam. The account number on this form was a credit card opened XXXX, closed in XXXX, and paid off in XXXX.
Consumer complaint received 2024-02-20
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (AZ)

I spoke with a supervisor of Transworld Systems XXXX/2024 to review my balance from the original creditor, XXXX XXXX. My initial balance of this debt has changed with debt collectors, as well as with Transworld wihich was initially {$670.00}. 

In early XXXX my balanced decrease to {$470.00} without understanding why. I do not recall owing the original debtor any money. 

I requested an itemized breakdown of what I owed so I could either take accountability for the debt, or have it removed. 

I'm attached the email with my XXXX transcript where I confirmed no debts owed. 

Collection Agency TRANSWORLD SYSTEMS INC Original Creditor Name XXXX XXXX
Consumer complaint received 2024-02-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CA)

I am writing to file a complaint against Crypto.com regarding the inability to access my account. Crypto.com blocked my account for no reason, Despite numerous attempts to contact them, I have received no response. This situation raises concerns about potential scam and fraud activities associated with Crypto.com. 

My name is XXXX XXXX, Heres my email with with crypto.com ( XXXX ) and I am available to provide any necessary information to assist with your investigation. 
Your prompt attention to this matter is greatly appreciated. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-01-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (TX)

I applied for a refinance loan around XX/XX/XXXX. After supplying PNC with all the required information, getting approved, and locking in pricing, PNC attempted to change the rate at the last moment. They reran my credit score ( per them, they claimed my name was misspelled - they transposed 2 letters of my first name when entering my data into their system. ) The sales agent that was responsible for my account has left the company. His boss XXXX XXXX refuses to return my emails dated XX/XX/, and XXXX. Now refi prices have moved against me, they have damaged my credit by running multiple enquiries into the credit bureaus, and I cant refi at best rates ( score was over 800 ) given my now lower credit score due to their clerical errors. Not only is this a classic bait and switch, but the bank has yet to try to resolve the loan.
Consumer complaint received 2024-02-13
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (CA)

My family purchased a vanilla Visa gift card back on XX/XX/XXXX for {$250.00}. Per the agreement, I treated this card like cash, and put it securely away to save the money towards a larger purchase. Upon trying to use the card on XX/XX/XXXX I was informed the card was locked due to suspicious activity. I contacted the customer service line. They informed me that there were XXXX, {$5.00} charges ( totaling {$250.00} ) made from " XXXX XXXX '' all on the same day, so they shut the card down. I then filed a dispute which they said would take 45-90 days. On the dispute packet, it lists the transactions, which all occurred on the same day at the same time. In my mind, this blatantly illustrates a hack on the card account. On XX/XX/XXXX I received a message from the dispute team informing my dispute was denied due to the transactions being outside of the timeframe of recovery. They issued a replacement card for {$100.00} as this was the balance when they shut the card down due to the suspicious activity. 

I had not used the card one until XX/XX/XXXX. How was I supposed to know of any transactions on a gift card I hadn't activated yet? 

I have now filed a second dispute, but I expect the same outcome. The " manager '' I spoke to on XX/XX/XXXX, is saying there is nothing they can do.
Consumer complaint received 2019-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AZ)

The following account and credit inquiries listed on my Experian credit report are all fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX ( XXXX XXXX ) XX/XX/XXXX.
Consumer complaint received 2024-02-08
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC (CA)

I, XXXX XXXX daughter of my deceased XXXX XXXX XXXX XXXX ( mortgagor ) inheritance of my mothers XXXX. Lender ; XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX. Wrongful Registration of Loan Modification Agreement ( XXXX ) XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX. XXXX was transferred to XXXX XXXX XXXX XXXX, on XX/XX/XXXX,. XXXX XXXX XXXX XXXX XX/XX/XXXX. The first XXXX " Security Instrument '' and " NOTE '' Originated DEED OF TRUST { XXXX {$500000.00} } XX/XX/XXXX " Borrower '' XXXX XXXX XXXX a ( widow ) registration by XXXX XXXX XXXX XXXX XXXX  XXXX Hundreds of thousands of mortgage payments posted since XXXX up to current date has been miscalculated by XXXX ; XXXX XXXX pattern of misrepresentation, deception of unfair business practice, generated a pay off demand notice XX/XX/XXXX for an amount of {$750000.00} is incorrect. Corporate Advance fees of XXXX over {$40000.00}, XXXX XXXX fees XXXX {$44000.00}. Unfortunate, my spouse XXXX XXXX in Bankruptcy XXXX XXXX continue to make payments to the mortgage loan, over {$30000.00} paid into loan # XXXX where the full {$30000.00} are not applied to the loan. XXXX XXXX is in Violation of The Fair Debt Collection Act, all federal and state regulations for mortgage fraud.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC. (GA)

I noticed several unauthorized inquiries on my credit report that I would like removed. According to the FCRA, these unverified items must be removed. I have reported identity theft to the Federal Trade Commission at IdentityTheft.gov. I've reach out to each company for removal but nothing has been removed. 

ALLY FINANCIAL - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Premier Holdings (FL)

I received a call from ( XXXX ) XXXX regarding an old debt back in XX/XX/XXXX-XX/XX/XXXX. The caller said this was a last attempt to find resolution and that my file was been sent to their legal department in my county the following morning for a judgement request. I was then transfer to someone by the name of XXXX XXXX who offered me to settle the claim or make payments overtime or face legal action within 24 hours. She made clear the file was in the process of legal action and only taking her options would stop that process. I asked for documentation in writing and she said they had sent a letter to previous addresses and to my address as well which I never received. As a matter of fact, it was the first time I had talked to these people. I asked for her phone number and she provided ( XXXX ) XXXX and she said her company name was premier holding and my case ID XXXX. I called the number back to get the address and verify dollar amount but the same lady kept transferring me to hold music then disconnect.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2018-05-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

AFTER HURRICANE IRMA, I REQUESTED FOR FORBEARANCE AND MAKING REGULAR PAYMENTS AFTER THAT ; BUT LENDER IS ASKING FULL 3 MONTHS PAYMENT TOGETHER ( ALTHOUGH, I ASKED THEM TO PUT IT IN THE REAR ), SENDING THREATENING LETTERS, SENDING THEIR EMPLOYEE TO PUT NOTICE ON MY DOOR AND ASKING TO MEET THEM FACE TO FACE ; BUT, WHEN I CALLED THEM, THEY SAID THAT NO NEED TO MEET FACE TO FACE! ALSO, SENDING FORECLOSURE LETTER ; ALSO, THEY BLOCK ME TO MAKE AUTOMATED PAYMENT AFTER THE 3RD PAYMENT AND CHARGING FEES TO TALK TO THEIR REPRESENTATIVE TO BE ON THE PHONE
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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
Consumer complaint received 2024-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I am writing to remove or correct the inaccurate information on my credit report. After reviewing my credit history, I've identified discrepancies related to the following accounts XXXX XXXX XXXX - Account ending in XXXX and XXXX XXXXXXXX XXXX XXXX Account ending in XXXX I believe these discrepancies are misleading and inaccurate.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I asked XXXX to investigate an account that appears to be reporting inaccurately. That account is listed as an XXXX  under XXXX XXXX XXXX ( {$9600.00} ). This account has been reporting inaccurate information for several months now. Inaccurate open and closing dates, balances, last reporting, and payments disclosed. This account is reporting illegally and disrupting my ability to purchase a home.
Consumer complaint received 2018-05-31
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (OH)

I was on a repayment plan and was making the scheduled payment through an auto debt from my checking account. I lost my job in XX/XX/XXXX and have not been working since. I called when I lost my job and they stated there was nothing for me to do except to call back when I could make the payments again. Unfortunately Ive not started work as of yet and the job I do have I will be salaried for about 20,000 less annually than what I was making on top of that Ive recently been divorced and have an extremely large child support order to pay for the next 14 years. My co borrower is a XXXX XXXX XXXX   Veteran who is on XXXX and Navient continues to call and harass him and threaten to take his home and sue him. Also Pennsylvania XXXX XXXX XXXX XXXX XXXX has been closed since XX/XX/XXXX
Consumer complaint received 2018-05-31
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc. (SC)

I've contacted this company requesting validation and they sent me a bill with my name, but without anything further they also violated Hippa. 


XX/XX/2015- {$680.00} XX/XX/2015- {$370.00}
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. This account must be investigated/updated following Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXXXXXX Balance : {$280000.00} XXXX XXXX Balance : {$350.00} XXXX  XXXX XXXX Balance : {$3800.00}
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX sent a copy of a report with the late payments reporting on these dates XXXX XXXX XXXX  unlawfully. After I asked them to not report unlawful information based on source of Consumer law 15 U.S.Code 1666B Timing of payments & 15 USC 1681a ( d ) 1. This has burdened my credit report and hindered me from obtaining financing for a home and for my business.

These are the laws below 15 U.S.Code 1666B Timing of payments ( 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.

15 USC 1681a ( d ) 1 ( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Society Business Services, Inc. (AZ)

A company by the name of MED SOC/BUR OF MED ECON opened a collection and reported an amount of {$1200.00} claiming I owe such amount from XX/XX/2020 the information reported is false and I suspect this information to be fraudulent.
Consumer complaint received 2016-12-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Eaton Group Attorneys LLC (LA)

Call originated from an automated caller ( ie ; robocaller ) and identified itself as an attempt by Eaton Group to collect a debt. I and my wife have been retired now for several years and have never had and do not currently have unresolved financial problems that would explain why our phone number be on a debt collector 's list. Furthermore, a brief web search of Eaton Group indicted the web site was 1 ) not available ( error XXXX ) and 2 ) associated with complaints of unprofessional collection tactics.