davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (PA)

I spoke to PNC after emailing applying for mortgage online. I called because I ended up having someone who sounded like they were calling from a foreign country call me about the loan. Eventually I spoke with XXXX XXXX, Mortgage Loan Officer, XXXX, XXXX. I explained everything that had happened with the current home Im in ( Flooding, FEMA instructions, eta ). Explained that the last time I applied I was approved for a conventional loan ( current house is fha ). He stated that I needed all this personal info to get a solid qualifying letter. I complete everything only to receive a FHA letter with requirements I cant meet. I emailed an asked why the letter wasnt conventional, no response. I called and he said that it was developed with the intention to have the the house Im in sold. I told him the issue with the home and why I needed to move first, reminded him and he said this is the process. So I said I wasted my time and risked my credit score dropping for nothing. He didnt seem to care at all. Now Im back to looking for overly expensive rentals and a lower credit score.
Consumer complaint received 2021-10-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

I deposited a check on Friday XX/XX/2021 the bank put it on hold to verify on Monday funds were in my savings the check was accepted on XX/XX/2021 the check got returned the company closed the account turns out to be that they scammed me I had already made 3 deposits via XXXX to XXXX XXXX email XXXX 2 deposits of XXXX dollars each and 1 deposit of XXXX the bank wont help me since I was able to use the funds I have filed a scam report
Consumer complaint received 2022-04-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AL)

This has been a nightmare. Recently I have noticed that this bank really does not care about its customers. So several times I have had to contact them. Recently, I went through my account and noticed that Chime allowed transactions to occur that were not authorized. I filed the necessary complaint and sent in the proper paperwork and chime denied the complaint. I then asked for a rebuttal resubmitted the rebuttal along with proper paperwork also showing that I dont even have an account with this company and asked Chime to send me their documents. They sent me something that does not line up with what I have. As a matter of fact what they have is Not documents its just a printout from a computer screen.
Consumer complaint received 2017-01-25
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Brock & Scott, PLLC (NC)

I talked to my mortgage servicer due to Brock & Scott doing a foreclosure attempt from the prior servicer. The new servisor has no record of my house being foreclosed on and an eviction notice was received to vacate the property XX/XX/2017. I filed an appeal with the courts on XX/XX/XXXX to stop this illegal foreclosure. I am requesting a stay on any foreclosure proceedings until this is settled. Brock & Scott has not responed to my compalints!!
Consumer complaint received 2015-10-16
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

My checking account number is not hidden nor encrypted on the lender 's website. I requested to have the account that I created with them to be deactivated. The internet support operations said they can not and I should be assured my information is protected. My information is not protected. I want my checking account number hidden, can you please help me?
Consumer complaint received 2017-03-21
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NJ)

I continue to get an email from XXXX about a warrent for my arrest and seizing my bank acct. I have email back several times for them to Mail the information to my house because Ive contact the PayDay loan company XXXX that I did borrow money from and they have refused to mail me anything but continue to harras me through email. They say they are XXXX.online XXXX related company. When I speak to them they want me to buy a prepaid card to make the payments.
Consumer complaint received 2022-09-11
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AR Resources, Inc. (NJ)

In 2018 I was working with XXXX XXXX. I was given written approval of my financial aid for the semester. Then a year later I receive a collections notice. I explained to them I'd been working with a representative at their college on my account to resolve. I have emails to prove this interaction. They said ok and I forwarded this information. A year later I start to receive collections notices. I again reached out to no avail. I've made attempts to dispute and to show these emails again and still nothing. Now this is plaguing my credit report and impacting my ability to gain employment opportunities, build my business and beyond.
Consumer complaint received 2021-11-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

To whom it may concern : The bureaus have reported something on my consumer report that is not 100 % accurate in an attempt to damage my reputation as a consumer and cause me great pain and misery! 

The courts have not supplied the bureaus information about a public record pertaining to me I asked the bureaus to please RE INVESTIGATE and provide proof from the court of this public record! I have never filed bankruptcy ever in my life.
Consumer complaint received 2015-07-10
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Weber & Olcese, PLC (MI)

COMPANY DID NOT FILE A COMPLAIN WITH A COURT OR DID NOT NOTIFY ME IF THEY DID, BUT WENT AHEAD TO PROVIDE MY BANK, XXXX BANK FAKE DOCUMENTS AND GARNISHED MY BANK ACCOUNT ILLEGALLY OF FUNDS RANGING FROM {$410.00} TO {$500.00}.
Consumer complaint received 2016-04-14
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (AZ)

I made a purchase of {$480.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.
Consumer complaint received 2016-02-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

I disputed an account with XXXX XXXX XXXX XXXX with Equifax. 
This account was removed from my from my credit report, after my dispute. Then, it appeared back on my report. 
I disputed it again, and once again it was removed. 
Now, it is back and showing active since XXXX XXXX. THIS IS WRONG. 
This account was closed in XXXX, is not active, and has NOTHING owed.
Consumer complaint received 2022-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC. (CA)

On XX/XX/2022 a check written for XXXX was incorrectly cashed for {$70.00}. Check image clearly shows the check was written out for {$25.00} but the check cleared for {$50.00} more then it was written out for. 

Have emailed Ally Bank and tried to make a phone call but Ally Bank now allows unacceptable call times of 30 minutes! Customer no Service forces me to file a compliant with the CFPB
Consumer complaint received 2021-10-28
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (MD)

A notice of cease and desist, as well as a certified proof of contract was sent to Transworld Systems , Inc. on XXXX XXXX. However, they refuse to respond. Instead they continue to harass and contact me everyday a couple of times a day, since the date listed on the notification letter.
Consumer complaint received 2016-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was informed by a mortgage lender yesterday that my mortgage application was denied due to the reporting of a Ch. XXXX bankruptcy in my TransUnion records. I 've never been in bankruptcy, and this was my very first indication of any problem with my credit EVER. The other XXXX agencies, XXXX and XXXX do not show such information, and none of the XXXX agencies, including TransUnion, show so much as a late pay in my many decades of credit history. My FICO scores have remained high throughout the period TransUnion shows a bankruptcy ( XXXX ). This is obviously a clerical error on the part of TransUnion, but has damaged my credit so that I am about to lose a property I have gone under contract to purchase. Time is of the essence here, but I evidently can not get in touch with anyone directly to help me, and must await the slow process of dispute resolution .... Can anyone, anywhere help me now???
Consumer complaint received 2016-12-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (WA)

I have disputed this several times as it is being listed incorrectly. I have had a very hard time getting information as to why this is on my account. It does not list creditor or who filled complaint with the court. It just says XXXX and a release date of XX/XX/XXXX. This item is so vaguely listed and has an incorrect release date, considering that this was paid in XXXX. In XXXX, I was notified by XXXX that I owed them money for an over payment of benefits. This was paid in XX/XX/XXXX, I have attached receipts of payment from XXXX. 

This account was deleted by both XXXX and XXXX because this account is incorrect and should have never been reported on my credit report. This was clearly paid in XXXX and needs to be updated or removed immediately. I am being denied a mortgage because of this incorrect item.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma (NC)

Ive been a client of XXXX XXXX since 2016 and during this time I have received pre- approved credit card offers, in which I was always denied for. The end result was always taking a hit to my credit ; unaware it was causing me to end up with a hard inquiries. Every offer, I was so- called pre-approved for, never worked out. Until the early part of this year and guess what? I took another hard hit to my credit score. False advertising and fraud is what they have done. I would like the situation justified and rectified.
Consumer complaint received 2015-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (FL)

I filed a request to have my credit report updated.and Experian refused to up date even after i summited my self releasing federal tax lien to them. i summited it XXXX. I XXXX XXXX and XXXX had no trouble up dating my report
Consumer complaint received 2022-09-11
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: JPMORGAN CHASE & CO. (FL)

I rented a car on XX/XX/2022 and returned it on XX/XX/2022. The company placed an authorization on my card for {$3100.00} as insurance against damage to the car. The car was returned without any new damage or other issues on XX/XX/2022 before XXXX local time ( the end date and time on the contract ). Instead of releasing the authorization as required upon return of the car my card was fraudulently charged for the full {$3100.00} ( XXXX XXXX ). 

I have reported this to the JP Morgan Chase four separate times in writing with all relevant details but they have only sent meaningless vague form letters that do not address the issue ( example ) below and have failed to credit me for the fraudulent charge as required by law. This is a frequent and ongoing problem with JP Morgan Chase. It has happened many times in the past and continues to happen on a regular basis. 

Additionally, the company in question XXXX XXXX XXXX ( aka " XXXX XXXX '' ) is well known for similar frauds and this is easily verified with a simple google search.
Consumer complaint received 2022-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

Hello, My name is XXXX XXXX. My credit card number is XXXX XXXX XXXX XXXX. I made a transaction to buy 2 cases of product in XXXXXXXX but I never received my goods. Then, I opened a dispute in XXXXXXXX with Citibank and they denied my dispute. 

I don't understand what kind of investigation the bank did but I never received my purchased product. Moreover, the XXXX  tracking the merchant provided in the attached letter clearly shows the product is damaged and the merchant has been informed. But I never received my money back. The bank has been negligent in its investigation process. 

Attached is the screenshot of the XXXX  tracking that the merchant provided. Please open an investigation and refund my money. 

Thanks
Consumer complaint received 2022-09-11
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. (NJ)

do to the XXXX XXXX giving false pre-approvals, in which resulted in denials also caused many inquiries on my consumer report. The inquiries are effecting my chances of getting approved for any opportunities available to better my livelihood and the way of life.
Consumer complaint received 2022-10-28
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. (GA)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2022-09-11
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. (FL)

In accordance with the Fair Credit Reporting act XXXX account number 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 2015-08-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Barrett Asset Recovery Services, LLC. (CA)

I have been receiving emails and phone calls stating they want to talk with me or my attorney. I spoke with XXXX representative and she stated it was for a pay day loan. I have never taken out a payday loan. They have called all my family members and when I ask for anything in writing they state they can only email.
Consumer complaint received 2015-10-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NY)

Dear CFPB, I first want to thank you for all that you do to protect the interests of consumers. It was past time that a government agency was needed for this purpose. That said, I will provide you with the details of my complaint : XXXX misrepresented the status of the account to me and assured me on many occasions that the balance was not owed. I closed my XXXX account on XXXX XXXX, 2014 and was assured that the account was paid in full. I have never been delinquent on an account. I was told that I needed to return the router and that a box would be sent by the company so I could mail the router. I received a bill for about {$150.00} a few months later and called to question why I had received it. Again, I was assured by XXXX representatives that I did not owe the amount and that I simply needed to return the router once I received the box to return it in. I received the box in XXXX and returned the router and again questioned the bills and XXXX told me the return of the router would fix the balance. The next letter I received was from a collection agency. I decided to pay the balance with the assurance from XXXX representatives that my credit would not be impacted, seeking to have the balance returned once I found out whether it was owed. I applied for student loan refinancing and was turned away due to this single outstanding delinquent account. Please remove this from my credit report and tell me ( 1 ) how long I have to wait before it is removed, ( 2 ) how I can remove it from other reports or request the same and ( 3 ) how I can hold XXXX accountable for what they have done to me. 

Best Regards, XXXX XXXX XXXX
Consumer complaint received 2022-10-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I contacted all three XXXX, equifax and XXXX. The names on my report isnt me. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never worked at XXXX I never lived at the following addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX IL XXXX Equifax and XXXX hasnt updated my credit since XX/XX/2021 Equifax still has old information on my credit
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (GA)

In regards to account : XXXX XXXX Please be advised that your blatant disregard and violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and my rights as a consumer have caused harm to me by seriously affecting my credit rating, causing the denial of credit, as well as causing me to be charged higher interest rates and unfavorable loan terms. 
Your offices have only provided me with partial validation ; your offices have not yet provided sufficient evidence that this alleged debt is mine. Provide me with a complete account statement printout, signed contract, a contract giving XXXX XXXX XXXX power to collect, and original creditor 's address and telephone number. 
I 'm sure you are aware of the consequences in violating the FCRA and FDCPA as well as the multiple violations your company is now responsible for, but not limited to : As per the 809. Validation of debts [ 15 USC 1692g ] ( : ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
813. Civil liability [ 15 U.S.C. 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow.
Consumer complaint received 2017-02-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (FL)

XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX To Whom It May Concern Equifax, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX I recently pulled a copy of my credit report and noticed the following information is in error : Address Errors : ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX - REPORTED XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX I have never lived at these addresses.or associate with address Please remove them. 
My correct address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I been living there since XX/XX/XXXX With the amount of identity theft going on, I am very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report Sincerely, XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX