davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I purchased an outdoor patio set on XXXX XXXX on XX/XX/2022, in the amount of {$49.00} from an advertisement claiming to represent XXXX XXXX. Shipping was to be delivered between 3-7 days. I began to become concerned after XXXX removed the merchant advertisement, several days later due to fraudulent activity. I tried contacting the merchant. The telephone number was from another company called " XXXX '' in California and was disconnected. I never received a confirmation order or tracking number. Today is XX/XX/2022 and I have not received any merchandise to date. I filed a dispute with Chase : my bank, however, Chase declined my dispute. Upon requesting a reason I was told that their decision was based on the Merchant providing a tracking number. However, Chase will not provide me with the tracking number or documentation based on their investigation for at least ( 10-20 business days from today ; XX/XX/2022 ). This has caused my account to be overdrawn and has caused hardship for my family at a time when we are recovering from XXXX XXXX 's extensive disaster damages. ( XXXX XXXX XXXX. XXXX, XXXX XXXX. XXXX ) We contacted our local Post office to find out if there had been any undeliverable packages to our address and we were told that there is no record of any packages delivered or returned from my home address ( which is the same address given to the merchant and the same address on file with my bank, Chase ) XXXX XXXX XXXX XXXX, XXXX XXXX, FL. XXXX. We also contacted XXXX and XXXX for possible returned packages and received confirmation from both that there is no record on file for any large deliveries received or returned from our address. This package would actually be quite substantial in terms of weight, length, and height as this is a completed 8-piece Alumnium Outdoor furniture set with cushions and a fire pit. Please see attached images of my order taken from my cell phone. I also contact XXXX XXXX he they have advised me that they do not have any affiliation with this merchant and that the merchandise is not and has never been part of their inventory. I believe the bank has made a decision without actually verifying if in fact, ( a ) the tracking number is valid, ( b ) any weight or height declared of the delivery, ( c ) if the package was ever delivered to my correct home address : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX.
Consumer complaint received 2022-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (PA)

In 2021 the total amount of {$100.00} was resolved and paid to Radius Global Solutions. 
RADIUS GLOBAL SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2016-07-15
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: World Omni Financial Corp. (CT)

Dear Sir, Madam, I would like to file a written complaint against Southeast Toyota Finance ( XXXX XXXX XXXX, XXXX, XXXX, XXXX ), My Account # XXXX. I had leased a XXXX Toyota Highlander from the company. As my lease term expired, I decided to take out a fixed rate loan from XXXX XXXX XXXX XXXX to pay off Southeast Toyota Financial. I requested a pay off quote from Southeast Toyota Financial and explicitly asked for the various fees to be broken out ( {$350.00} lease termination fee, {$90.00} Doc. Fee, {$480.00} Estimated Property Taxes, {$1300.00} Sales Tax, {$20000.00} Residual Value ) instead of one everything burried in one final grand total figure. I called back several times to request a break down of the pay off quote. My rationale was to be able to proof to my CPA that Sales Taxes were paid ( which I can deduct for tax reporting ), and Property Tax payment was made. As you might know the property taxes for leased vehicle is paid by the lessor and subsequently charged to the lessee. In other words I need a proof of payment indicating that Southeast Toyota received my funds, so when my local Tax Collector calls me i have a proof. It turned out that I overpaid my property taxes approximately by {$50.00} to Southeast Toyota Finance. My new lender ( XXXX XXXX XXXX XXXX ) sent over the Odometer Statement along with the check for the pay off ( {$23000.00} ). I also found that the {$90.00} documentaion fee was burried in the small print on the back of the lease agreement. I truly think that the way Southeast Toyota handled this situation was very deceptive and unprofessional. I spend several hours on the phone and they promised that the documents and the refund check will be sent out. I recived no resolultion regarding my case. I am hoping that someone can escalate the issue and protect me from predatory lending as this. Looking at the way these leasing companies are luring people into leases is very deceptive : not disclosing fees the proper way, not educating the client about the terms and conditions. 
Your kind help is greatly appreciated. 
I can be reached at XXXX. 
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2023-03-29
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened a new checking account for {$50000.00} on XX/XX/XXXX with Citibank, obviously for advertisement which was confirmed by their staffs that I will get a promotional bonus for {$700.00} after 60 days if I could keep this balance. I had been repeatedly told and ensured that the balance means combined balance with all accounts under my name. Later on XX/XX/XXXX I was encouraged by one of their staff to transfer money from checking to CD account for 18 months so as to make more income for me and I did it. 

After a long time I saw no sight of promotional bonus in my account so that I went to Citibank on XX/XX/XXXX to check out. Then I was told that I was disqualified because I did not keep the balance in checking account and CD balance does not count as part of combined balance. 

I am XXXX years old and it sounds like a scam to me. Until now, my money has never been moved out of Citibank.
Consumer complaint received 2022-08-04
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. (MD)

I appreciate your help to REMOVE some items from my credit file that occurred because of a FRAUD yet I have certain items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. 
XXXX XXXX  XXXX Balance : {$6900.00} ; XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX  XXXX Balance : {$36.00} ; XXXX XXXX XXXX XXXX XXXX {$8600.00} ; XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX
Consumer complaint received 2016-10-07
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: Navient Solutions, LLC. (GA)

XXXX XXXX processed a loan for me and my parent. In order to approve the loan they elected to process the request with me as only the student but not as a co-borrower or student borrower. This loan request was illegally processed and they have ignored and/or denied repeated requests to correct the information.
Consumer complaint received 2017-03-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

This debt was charged off in XXXX 2012 - This debt collector is reporting this on my credit report, and mailing information to an address I do not live at. 

Attached is a copy of my mailing address.
Consumer complaint received 2016-07-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

The employees at Experian is selling and exchanging unverified information in my credit file.They owe me a legal and lawful fiduciary duty.They are refusing to honor my Identity Theft Affidavit omb # XXXX, blocking request, and Identity Theft Report filed with the US Postal Inspection Service.They are reporting a bankruptcy and refused to substantiate the bankruptcy by oath or affidavit.Federal Trade Commission ID Theft Affidavit does not have an OMB Number issued by the director in accordance with the act.The employees at Experian should already have a copy of the paperwork on file already before they reported the bankruptcy, otherwise someone could mail fax or email in a fraudulent account.They continually send me form letters violating my civil rights ignoring my requests over and over again violating the Fair Credit Reporting Act.This account is inaccurate because it has not been verified.
Consumer complaint received 2022-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hello its been over 30 days ago. I just looked at my credit report and it has XXXX XXXX XXXX Collection Account for {$860.00} & XXXX XXXX for {$170.00} thats Not mine Fraudulent Account obviously. I told them the last time The other bureaus told me that my information was on the XXXXXXXX XXXX and also in a data breach. I also saw 17 credit inquiries these I never gave written or other wise permission to pull or see my Transunion Credit Report ( XXXX XXXX XXXX XX/XX/2022, XXXX XXXX, XXXXXXXX XXXX XXXXXX/XX/2022, XXXX XXXX  XX/XX/2022, XXXXXXXX XXXX XXXXXX/XX/2022, XXXX XXXX XX/XX/2022 and XXXX XXXX XX/XX/2022 ) Delete please. I never authorized or gave permission to run my credit unless Im called first. I gave them my correct phone number and told them Transunion said they Im totally understood and even reassured me it wouldnt happen again and they would remove the previous inquiries and they didnt. Now I told them I would involve CFPB if there was anymore inaccurate and erroneous reporting that Violated my FCRA now my FDCPA rights are being Violated. My credit has suffered enough behind these Credit Bureaus and now there totally not caring what they add or dont take off as long as you dont involve CFPB. I want the true reflection of my credit report to be seen. Thanks for your assistance concerning this very important matter.
Consumer complaint received 2022-11-22
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. (NY)

To whole this may concern, Ive been making several complaints & if im here on this website obviously I tried my best & reached the point of frustration From the lenders to the credit bureau Equifax is the only company that allow false information to remain on my credit report & I am not happy about it, its continuously holding me back & my approval odds So I would like for CFPB to take full action & look over these inaccurate inquiries that bring me here to you today I will gladly appreciate it if this matter is looked into & deleted expeditiously XXXX. ) XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX XX/XX/XXXX XXXX. ) XXXX XXXX, XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-02-28
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. (WA)

THE FOLLOWING ACCOUNTS LISTED BELOW ARE INACCURATE AND MUST BE DELETED FROM MY CREDIT REPORT. 

XXXX XXXXXXXX The monthly payment on this account is inaccurate. XXXX is reporting - as the monthly payment and Equifax is reporting - and XXXX is reporting {$0.00}. The last date of activity is also inaccurate. XXXX is reporting XX/XX/XXXX as the last date of activity and Equifax is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. The No. of Months ( terms ) on this account is also inaccurate. XXXX is reporting 60 Months and Equifax is reporting Monthly ( due every month ) and XXXX is reporting Monthly PLEASE DELETE AND REMOVE IT FROM MY REPORT
Consumer complaint received 2022-08-04
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: Experian Information Solutions Inc. (PA)

The unverified accounts indicated below to continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$11000.00}
Consumer complaint received 2022-02-28
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. (MI)

As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights. I have attached documents that were sent certified mail. They have yet to comply.
Consumer complaint received 2020-03-04
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: EQUIFAX, INC. (NY)

I had this XXXX XXXX card a while ago by XXXX XXXX. I ran into some personal problems and my account got closed. Some time later I paid a settlement sometime in 2018 and yet this is still appearing on my credit report. This is inaccurate and any help getting this resolved would be greatly appreciated
Consumer complaint received 2017-10-12
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 — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P. (TN)

I have sent letters to this company seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not itemize the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.I have contacted this company as well as the credit bureaus ( XXXX, XXXX, and XXXX ) seeking debt validation ( see attached ). This company continues to report this inaccurate, erroneous item to the credit bureaus. Why are they reporting that this account has terms of 1 month. Where is the proof that I agreed to terms of 1 month with this company? This company is violating my consumer rights as well as FDCPA.
Consumer complaint received 2021-05-18
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

Cardinal Financial Company excepted my application for refinance in XX/XX/XXXX, At the end of XX/XX/XXXX A closing took place at my home, to find out that The finance Company in question canceled the original closing, for mistakes made within there Company, I got no response to why it was cancelled, As A result of there negligence to this important matter, I then asked the loan officer XXXX XXXX if I should continue to pay my mortgage as i always do, I was advised to hold the payment because a new closing was going to take place during the same week the first mortgage closing was cancelled, as A result to the poor advise given to a first timer such as my self i took his advise and held the payment, Now XX/XX/XXXX I have a late payment on my credit report I have now been late charged form my original mortgage servicer 3 Times, And now as a final result Thanks To Mr XXXX I was declined to move forward with the refinance thru Cardinal Financial Mr XXXX XXXX ID XXXX
Consumer complaint received 2022-11-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC (AL)

My household was directly affected by XXXX. I was given a previous forbearance directly after the XXXX breakout in XX/XX/. This lasted a little over 12 months. According to Rocket Mortgage 's site, " Under the CARES Act, you have a right to a forbearance that pauses your payments for up to 12 months. Depending on your circumstances, you may be eligible for additional months of forbearance. '' I have recently been directly affected by XXXX with a family member being severely ill with XXXX. I was given only 2 month forbearance to catch up on my payments, when the site clearly says otherwise. On this day, XXXX XXXX I asked specifically for 2-3 more months of help due to the hardship, missed work, and time spent caring for my daughter. I was denied saying that I had already used the 12 month maximum amount of time. I have been wronged because their site clearly states otherwise. I requested an email of the chat with specific wording and I have not received this documentation. However, I do have the screenshots of the message. Usually a chat message is sent instantly after the chat session ends. Please help me. I feel as though I have been denied assistance and the help from a company that has misled its customers and will not help me.
Consumer complaint received 2018-05-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (NY)

This company is trying to collect a debt that is not mine, they are also reporting this in my credit without been properly verified as require by the FCRA 15 USC 1681 they are require to have properly verified this debt before placing this item on my credit report and have a hard copy with the original application with my signature on it as well as name, number, address, position held by person contactec to verified this debt. 
I am a litigious consumer and intent to use my right to clear my good name.
Consumer complaint received 2022-11-22
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC. (GA)

I applied for a loan modification. During the loan modification process the mortgage company would sporadically ask me for information I would submit it and they would ask me for more. Weeks would go by before they would ask me for another piece of information to complete the loan package. In other words I never got a loan package to complete at once it was piecemeal to me. I assume this happened to delay the process for the mortgage company to foreclose on me basically run out of time. I have a lot of equity in the home and I believe that the mortgage company has no intent on modifying my loan just to foreclose and take the equity.
Consumer complaint received 2022-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (WA)

LoanCare is my lender that I was forced into using after my previous lender sold my mortgage to them. They have been beyond difficult to work with even when you can get connected with them. This time, their website is not allowing password resets, no matter which way you try ( email, phone, SMS ). I have no way to reset my password to retrieve my tax document on the day I set aside for taxes. I tried calling, and their IVR recognized my account based on my phone number, so I know they have correct account information for me. Their sites password reset just does not work, and there is no communication posted about updates or system interruptions. 

This company is not open on Sundays when working people are trying to catch up on important things like finances and taxes. LoanCare does not have a way to contact them for tech support outside of their business hours.

If this company is legally allowed to go around collecting money from people as a collections agency, they should provide support 24/7 since people may end up defaulting on their mortgages on a Sunday. We are all stuck waiting for LoanCare to open for business Monday morning. This is unacceptable. Accountability should go both ways, and they should be held accountable for not providing support around the clock if people can not login to pay on time.
Consumer complaint received 2021-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

IT APPEARS IN MY CREDIT REPORT AN ACCOUNT WITH XXXX XXXX THAT IS IN THE HANDS OF A COLLECTION COMPANY, THIS ACCOUNT WAS REPORTED AS A FRAUD, SINCE I WAS INVOLVED IN THE THEFT OF MY IDENTITY, I DID NOT HAVE THIS CABLE TELEVISION COMPANY, A LOT LESS IN THE ADDRESS THEY SAY I HAD THE SERVICE. I HAVE REQUESTED VALIDATION OF THE ACCOUNT AND THEY HAVE NOT SENT DOCUMENTS THAT VALIDATE THE ACCOUNT, VIOLATING MY RIGHTS AS A CONSUMER,
Consumer complaint received 2022-11-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Client Services, Inc. (NJ)

They offered settlement and before the end of payment schedule they sold my account to different company, I paid 7 installment of 10 and when I called them to pay the balance, they said the account sold. 
I received a letter from the new collector dated XX/XX/ and my payment schedule suppose to end XXXX