davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (NJ)

Dear Officer My bank and credit accounts were hacked and I was scammed. 

On XX/XX/XXXX where I try to lock into my XXXX personal bank account while appears a screen showed that my account was locked please call ( XXXX ) ) the security department of XXXX XXXX bank. I was told that someone try to steal my bank money and the person named XXXX XXXX ( with a strong XXXX accent ) asked me to corporate with them to do investigate the fraud. 
( 1 ) On XX/XX/2021, He ask me to use a debit card purchase an XXXX gift card for {$2500.00}, and send the invoice to the person named himself XXXX XXXX ( with a strong XXXX accent ) at ( XXXX ). He calls this the tracking fund actually he moved my {$890.00} from my saving account to the checking account that I did not know. 
( 2 ) On XX/XX/XXXX, XXXX asked me the deposit cash of {$10000.00} called virtual fund to the Chase bank ( CHASE account is owned by XXXX XXXX XXXX the account number is XXXX, the routing number is XXXX account owned address is XXXX XXXX XXXX XXXX XXXX ) Actually, he cashes the {$10000.00} from the XXXX credit account which connects to my checking account by using a cash advance payment that I did not know. After depositing in a half-hour, I went back to tell the cashier that I was scammed and do the wrong deposit and ask my money back, The cashier told me that I am not their customer so they can not talk to me and give me the money back.

( 3 ) I kept the text messages and conversation voices on my phone. 

Summary : We know the money is illegal and the money is in the CHASE bank account but the CHASE bank does not want to talk to me about the fraud deposit that I really do not understand. The CHASE BANK Branch is locked at XXXX XXXXXXXX XXXX XXXX NY XXXX.
Consumer complaint received 2020-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: N26 Inc. (OH)

On XX/XX/XXXX my bank account was hacked. I got a notification on my phone of money being taken from my account. I didnt recognize the company so I immediately locked my account and requested a new debit card. The next day I got ahold of my bank account and they pretty much told me that I needed to contact the company that has my money and that they couldnt do anything for me. I didnt think that was my responsibility to contact the company that has my money. I still dont.
Consumer complaint received 2022-12-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc (ME)

For the past several weeks I have been receiving telephone calls from ( XXXX XXXX XXXX ) XXXX XXXX XXXX followed by a few various numbers. Today I returned a call to XXXX. Each time they answered with " Hi, this is ( stated their name ) on a recorded line. '' After that I would say " Hi, what company are you with? '' At this point their responses would vary from either hanging up on me immediately or saying " Hello, if you're not going to say anything please hang up the phone. '' This went on for at least XXXX calls, they continued to ignire my request for their name. I know they heard me ask the question because I would hear a small sigh when I asked who they were and I could hear background noise from their side of the call. 
Using a free service, I was able to find the company is Williams & Fudge in Massachusetts. 
I have screenshots if every call. 
I will be calling back every one of the numbers they called me from tomorrow to check if they refuse to give their information at every number they have called me from.
Consumer complaint received 2022-09-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

We have been trying to get assistance with our payments for over 3 months and every time we talk to someone we get told to call back in two weeks for a decision and then we get a letter in the mail stating we received your request for mortgage assistance. Our monthly mortgage payment increased {$250.00}, since COVID hit we have been having financial hardship in making this payment, we can not get them to accept a payment plan or refinance the loan.
Consumer complaint received 2022-08-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trident Asset Management, L.L.C. (TX)

I was looking at my consumer report, XXXX, XXXX, XXXX and saw a medical debt collection reported in accurately. I did not receive any documentation from the company nor did I give permission to release any of my medical information to this company. This debt collection company has violated my HIPPA rights.
Consumer complaint received 2022-12-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Happy Money, Inc. (GA)

This is a follow-up of claim with the reference # XXXX, Happy Money is negligent where the company entrapped my son by disregarding the account was falling behind from day one and the automated emails I did receive, they would inform me someone would be getting in touch, but no one never contacted me to resolve the issue. The reason for the word entrapped, is the companys failure to assist us correctly but recently claiming the account was charged off around the XXXX a day before my payment attempt. Their excuses are they called and e-mailed XXXX XXXX XXXX but what is their excuse for not unprofessional conduct disregarding my son 's request to allow his mother who is his authority to handle the account? My other reason is, it was not until I spoke to a representative at the end or beginning of XX/XX/2022 when he finally comes out and states that they could have taken a payment over the telephone as an exception and why did I not mail the payment in. I informed him I was never provided the options. All I was told and redirected to do was to go into the portal to make payments when I constantly informed the company, I could not make payments online under the old account under XXXX XXXXXXXX XXXX. The company new this and even was provided a screenshot of the closed accounts. However, no one mentioned nor requested a screen shot prior to the day the XXXX questions were answered and submitted.
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

Back in XXXX & XXXX of 2019, XXXX XXXX Bank stated they did not receive a payment from me, with the two credit cards I had with the company and that information is inaccurate, payment has always be made to the company. Late payment ( s ) was reported to the credit bureaus, Equifax shows account was paid as agreed, but on other credit applications that use Equifax, shows negative information was placed on the two accounts that I had with XXXX  XXXX, Equifax credit report shows no late payments so I am requesting this negative information be removed from XXXX, XXXX, Equifax as well due to inaccurate information being placed on my credit reports. Late payments being reported and this information needs to be corrected
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX SS XXXX I am trying to correct the error XXXX my credit profile that is really causing mea lot of setbacks. I have someone else 's name on my credit that DOES NOT belong to me.My legal and full name is XXXX XXXX XXXX please DELETE any other variation of myname ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ). 
I amemployed at XXXX XXXX  XXXX. My current and only address is XXXX XXXX XXXX, OH XXXX. I was a victim of fraud and I am trying to protect the integrityof my profile. Please delete the following fraudulent addresse : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX 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, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-08-24
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

XXXX, XXXX, and Equifax are reporting inaccurate information on my consumer report. I am also aware of the recent news allegations involving Equifax and I believe I have been affected.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Professional Debt Mediation, Inc. (FL)

Company did nothing but send me a copy of a copy lease Never sent back requested documents Still reporting inaccurate information on my credit report with XXXX and XXXX Dates : XX/XX/2022 XX/XX/2022 ( Per letter it states to cease and desist for 30 days that was ignored by company )
Consumer complaint received 2022-01-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF THE WEST (CA)

Bank of the West My problems is that why I file Complaint that they told me they were going closed my account XX/XX/2021 play with me back and forth and addition to that who start this login stolen my login XXXX XXXX and XXXX XXXX and trashed my credit card account and been really frustrated ...... 
make it look like - {$290.00} Debit play back and forth with me
Consumer complaint received 2022-08-29
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. (TN)

My personal information was stolen in 2022, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX  Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, 2022 XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, 2022 XXXX XXXXXXXX XXXX Inquiry : XX/XX/ 2022 XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXXXXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, 2022 2022
Consumer complaint received 2021-10-23
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: ACIMA CREDIT, LLC (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2022-08-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX, Transunion, and XXXX are reporting inaccurate information on my consumer report. I am also aware of the recent news allegations involving XXXX and I believe I have been affected.
Consumer complaint received 2022-02-02
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. (PA)

XXXX XXXX {$0.00} XXXX XXXX {$0.00} 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2021-10-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big City Finance, LLLP (TX)

I got a postcard saying that they could lend me XXXX so every thing weas done by phone they ask me when i got paid so i told them on the first and XXXXof each month I work for XXXX as a XXXX XXXX that is XXXX XXXX XXXX XXXX as a XXXX XXXX so school was out for about 2 months and i could us the XXXX but they did not say that i was going to pay them XXXX XXXX avery pay check they take it fram my back on the first and XXXX of each monththe did not say i was going pay more then XXXX for the XXXX they loan me i think they take advantish of old people like me i am XXXXyeas old and i did not understand what they were telling me by phone i dont know if you got this message but if you did please give me a call or leave me a messageat XXXX or at XXXX
Consumer complaint received 2021-10-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: AES/PHEAA (IL)

XX/XX/2018- XX/XX/2018 my student loans were in forbearance/grace during this period and late payments should not be on my credit report. ( Started school again that XXXX ) Some late payment statuses have been removed but not all. All loans during this time frame are from the same school year/loan period but are broken down to smaller increments. It's taking too long to remove these statuses and it's negatively affecting my credit. 

I've attached an example of were they already corrected some of the loan accounts. 
the same should be done with rest
Consumer complaint received 2022-01-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (UT)

I believe I have been a Victim of Identity Theft. There has been one or more fraud accounts .On my credit report that I'm not aware of. I'm reporting these accounts to be investigated indicating 605B Code 15 Section 1981I. I'm asking these accounts be deleted and removed until A Further investigation has been enforced. My Credit is very important to me. I have had many issues due to inaccurate information on my credit reports. These accounts need to be addressed and deleted until Further due diligence is determined. 

Also wanted to state that XXXX XXXX did not at all have my permission to have a loan in my name what so ever. Im reaching out to you for your help. Please have this removed from my credit reports and to do something about this company. 
thank you so much for your help I greatly appreciate you from the bottom of my heart.
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (GA)

Mohela was designated as the servicer of my student loans. My account is paid in full and closed at the present and has been for years. The issue is at in XX/XX/XXXX I requested my loan go into deferment status and unfortunately there was a delay in this being processed and Mohela reported this as a late payment in the following months. Once I became aware of this I immediately made a payment and again requested this to be addressed and yet again they failed to put my account into forbearance as apparently I had multiple loans and there was some confusion. The issue I have is that despite the financial challenges I was facing i found a way to pay this account in full but I should not be held responsible for Mohelas error. Since XXXX I have multiple late payments reporting on my report that are inaccurate and needs to be resolved. This is my last resort before incurring further time, energy, and money in hiring legal counsel to resolve this. Im hoping this can be resolved without having to take this step.
Consumer complaint received 2021-10-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MI)

I attended XXXX XXXX in XXXX and they shut down before we could graduate. I read that the loans were being forgiven. I clearly fall in the category to get this loan forgiven and would like to move forward with getting this taken off. Also id like to know how do I get my money back for the portion of the loan that I've paid on already. Any helpful information will be appreciated. Please and thank you.
Consumer complaint received 2022-08-02
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. (AL)

In accordance with the Fair Credit Reporting act 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 2021-02-07
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. (GA)

While deployed with the United States XXXX I received late charges to my Macy 's credit card account. Prior to deployment I requested to temporarily delay payments due to the inability to reliably submit payments while serving in a remote location. My account was sent to the Macy 's collection department and reported negatively on my credit report with all three bureaus. Once off deployment, I immediately contacted the collection agency, explained in detail my situation and asked for relief under the Servicemember Civil Relief Act of 2003 ( SCRA ). The collection agent and I agreed that I would pay the full amount ( {$74.00} ) and in turn, they agency would report the account as closed and delete. I fulfilled my portion of the agreement and paid the full amount of {$74.00} in XX/XX/XXXX. However, the agency did not do what was agreed and the amount was reported as a " charge-off ''. In response, I contacted the company through credit bureaus to have the account removed under the SCRA with no success.
Consumer complaint received 2021-10-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/21 I at XXXX I received an insufficient funds notice saying a transfer I made on XX/XX/21 in the amount of {$100.00} to my son was charged a {$35.00} overdraft fee because the funds were not there. I have a screen shot of my Wells Fargo account showing my account balance at XXXX XXXX on XX/XX/21 was {$180.00}. There were no other transactions from that time until my son put {$120.00} back in my account on XX/XX/21 at XXXX XXXX. In addition, a charge to XXXX XXXX XXXX XXXX in the amount of {$11.00} was credited to my account on XX/XX/21 that was captured on same screen shot I took on XX/XX/21 ; that charge is now gone and showing pending as a XX/XX/21 transaction.
Consumer complaint received 2022-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (WI)

My dispute with Discover Card accounting practices for unrecognized charges of $ XXXXand {$12.00} for XXXX XXXX XXXX XXXX respectively. These charges were reported after my cancelation of my my auto insurance policies insurance. 
Unfortunately, my communication with credit bureau reporting agencies concerning my dispute are yet to produce understandable conclusion. 
The latest statements received dated from XXXX showed a new balance of {$200.00} ; whereas the statement dated from XXXX a new balance of {$350.00}, ... as if we don't have enough mixing up matters, as XXXX  kept adding unrecognized charges to these ones- already disputed and done with, earlier. 
XXXX  still adding interest, to be paid for unrecognized transactions. My credit standing is threatened. 

Please be advised that I have always paid my bills in full, and in advance. Currently, I was threatened to pay interest on the disputed transactions. 

PS : My Credit Card Number indicated is the one canceled few months, while another number ending in XXXX was compromised and deleted, much earlier. Both credit number were mixed up with Discover Card statements. 

I'm a XXXX XXXX XXXXXXXX XXXX  ( XXXX XXXX XXXX ).
Consumer complaint received 2021-11-23
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)

Choose according to account type. These can be combined. My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.