davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (AZ)

This is actually 2 things simultaneously ( harassment and debt already paid ) XXXX XXXX XXXX has continued to call me and harass me about a current and paid as agreed American Express Account, that is OWNED BY AMEX. 

XXXX XXXX has called me 14X after I stated do not call me. 

XXXX XXXX is repeatedly harassing me on the phone, asking me for money on the monthly payment due that have already been paid directly with AMEX. 

XXXX XXXX today, called me about my American Express account, in reference to a XX/XX/XXXX payment due of {$41.00}, which was paid on XX/XX/XXXX, to the amount of {$150.00}. 

I told them our business is concluded and there is no reason for them to call me, and I have explained that I am under doctor 's orders to reduce stress, and I told them this several times. Their calling has aggravated my health condition. Beyond that my account is paid. Paid is paid. You can't get more perfect than paid. So why are you calling? Just to harass me!! 

Here are the details : XXXX Documentation : XX/XX/XXXX Statement : {$1900.00} Past Due {$160.00} Due Date : XX/XX/XXXX Paid {$200.00} XX/XX/XXXX Even though Paid and Current, XXXX continued to call and harass me, on XX/XX/XXXX, THREE DAYS AFTER PAYMENT. Therefore, to avoid future harassment, I decided to pay the NEW statement, which had just posted that same day, which was {$41.00} to be paid by XX/XX/XXXX. In an effort to keep them from calling and harassing me, I paid a SUBSTANTIAL higher amount, 25 days early. As reference next. I PAID {$150.00} instead of {$41.00} in advance. As in early. 25 days early. Yet they called today to keep harrassing me. 

XX/XX/XXXX Statement : {$1700.00} Min Due : {$41.00} Due Date : XX/XX/XXXX Paid {$150.00} XX/XX/XXXX Clearly this is repeated violation of the FCRA. Ive repeatedly expressed to never call me, and especially do NOT call me when my account is current. I have 3 REV PAR taped recordings conveying my wishes to them as well. 

American Express is an Accomplice in this by knowingly and willingly allowing this behavior. I have reported it to several account managers at America Express. This is not an external collection, but their internal account services team I have been told. 

I have also never received ANY communication regarding my debt through XXXX. They just started calling me one day. 

I have contacted 2 law firms today discuss my case as well. One located in XXXX, and one is a large National Firm.
Consumer complaint received 2022-09-29
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : U.S. DEPARTMENT OF EDUCATION # XXXX, U.S. DEPARTMENT OF EDUCATION # XXXX, XXXX DEPARTMENT OF EDUCATION # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-02
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)

These 2 accounts : XXXX  with a balance of {$16000.00} ( Opened XX/XX/XXXX & XXXX XXXX {$23000.00} opened back in ( XX/XX/XXXX ) Not only are these accounts more than 7 years old, they were not opened by me! They must be removed immediately! This is inaccurate and false.
Consumer complaint received 2024-03-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MD)

Im made three transactions for a rental property on XX/XX/XXXX, XXXX, and XXXX, in the amount of {$1300.00} ( total {$4000.00} ). The listing was fake. I made the payments through XXXX @ ( XXXX ), in which went to a Chase bank account. I have submitted evidence of Scam to my bank ( XXXX  XXXX XXXX ). Chase bank claims they cant not return my funds, even after proof of Scam from account holder has been submitted. My bank has informed me that Chase Bank replied to my claim, they cant release any other info to me, and they denied request to have funds sent back
Consumer complaint received 2024-03-05
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (MO)

The rental recovery sent me a letter in XX/XX/XXXX stating that I owe XXXX dues in rent at the apartment in XXXX, XXXX. I contacted the XXXX apartment to ask that when did I sign the lease with them and why is this reported on my credit, speaking of which they said it was all done XXXX and nothing was in XXXX. I reported them that it was never me who signed the lease and also I asked them that if there was a lease on my name why they didnt even bother to communicate during the term of the lease to mention that the rents are dues I never received any letter or anything from the apartment. The date on the lease was somewhere from XXXX to XXXX. I want to report this as this XXXX was never mine and I am requesting to remove it from my credit and what so ever actions need to be taken plz fix this. This will ruin my XXXX and my XXXX XXXX. This is harassment by the XXXX company.
Consumer complaint received 2022-08-05
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: Convergent Resources, Inc. (GA)

I email this company and also sent copies of Police report showing identity theft. Still consumer credit has been affect in a very negative manner resulting in injuries to perse. Now I need compensation for the violation of various codes.
Consumer complaint received 2024-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LD Holdings Group, LLC (WA)

My extremely sensitive personal data appears to have been stolen in the Ransomware attack on Loan Depot that happened recently. I only know this because Loan Depot sent me a piece of mail about it offering credit monitoring. I am not doing this. However, my mortgage is serviced by XXXX XXXX and has been for over years now. I don't know how or why Loan Depot even got my information to steal, since in my records they have never serviced my loan. I suspect that they got my data through the secondary mortgage market or through a mortgage-backed-security ( MBS. ) This has never been disclosed to me, yet my data has been sold by 4 other mortgage companies since I originated my loan. I am extremely unhappy that my data can be accessed by third parties without any disclosure, opening myself and many others to unauthorized and malicious activity. The fact that we have no recourse and these companies get no punishment is unsatisfactory. We need better privacy protections and we need to especially protect our citizens when it comes to the extremely sensitive data that is bundled into mortgage financing. How can we prevent this from happening and being revictimized repeatedly? In the last year I have had my social security number, email, phone, and other information stolen at least 4 times and all I ever get in return is an offer for free credit monitoring. Not good enough. And this Loan Depot one has me upset more than the others because I didn't even know they had my information because it has never been disclosed to me! 
Also, this company is using my previous name that was changed in XXXX so I have no idea how long they have been storing my information. My first mortgage was issued in XXXX.
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

In XX/XX/XXXX, I pulled my credit report to determine that Capital One has reported me late numerous times while on XXXX XXXX XXXX. Capital One needs to pull the calls from XXXX to verify that I told them I was on XXXX  XXXX and that they put my account on hold on a special plan to assist me while I was not working. I found out that this was very wrong. While I was on XXXX XXXX  XXXX and I made Capital One aware of this they proceeded to close my account and mark me as late while they knew my situation. Management has reopened my account and waived the late payment fees but the late payments are still on my credit report. I really need those inaccurate late payments removed from my account. This is causing a lot of stress to me. 

I have written capital one several letters since XX/XX/XXXX the last letter was sent with a tracking number that delivered on XX/XX/XXXX. 

Capital One has me late XXXX XXXX XX/XX/XXXX, A total of 7 late payments that should not be on my credit. 

If you look at my credit history with them you will see I was never late. i paid my bill every month.
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I noticed that my account was closed so I called Chase Bank and they would not give me any information about my account they said the account was closed and my money that was in the account would be sent out in 10 business days. I didnt receive a letter of closure until XX/XX/XXXX from a letter they sent out on XX/XX/XXXX stating that they restricted my account and might be closing it soon and to contact them to provide information to keep it open so I called again and the woman said that the account had been closed on the XXXX so I would be getting my check within 10 days of that day and that I could call back to get updates about the check. I call again on Monday the XXXX to get an update on it and the woman told me that the account had not yet been fully closed until 10 business days then I will be able to get my money. Then we called back to speak to a manager and he said the account was only restricted and he wouldnt give any information about my account and when I would be getting the {$5200.00} from my wifes IRS refund that was put into my account.
Consumer complaint received 2024-03-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery has reported to my credit report owed XXXX XXXX XXXX XXXX XXXX XXXX amount of {$3200.00}. This creditor has written this debt off so the debt is no longer owed and and not to be pursued. Please remove this from all XXXX credit reports immediately.
Consumer complaint received 2024-03-04
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (CA)

I had a mortgage with Roundpoint Mortgage and it was paid off in XX/XX/2023. They did not post XXXX tax form online like other mortgage servicer does. 

This morning I gave them two phone calls to request the XXXX form. However I have not received it as of now. 

Email Address : XXXX XXXX
Consumer complaint received 2017-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I 've had nothing but problems with this company since I established a car load with them 2 years ago. The most recent, I have been trying to log into their payment portal for three days and kept getting error messages. I also tried to make a payment using the electronic phone system and kept getting the message " you are not set up for electronic payments ''. I finally reach someone today, and and 20 minutes on the phone they corrected the problem. I also made a payment, but this put me 31 days past due. I asked them please not report the late payment to the credit and they told me " there are other ways to make a payment ''.
Consumer complaint received 2024-03-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

On XX/XX/2023 ; I noted on my account a debit of {$100.00} ( transaction date : XX/XX/2023 ) paid to a merchant XXXX XXXX XXXX. This is a store I regularly shop at. I went over to the store to enquire why there was a charge of {$100.00} paid to them without me visiting the store on the said date to make a purchase. The store confirmed that I was neither there nor was there a transaction of that amount, made on that day on their cash register. I immediately called the bank on XX/XX/2023 to report fraud, for which the bank launched an investigation and also applied a provisional credit of {$100.00}. 

However, months later on XX/XX/2023, the bank reversed the provisional credit of {$100.00} citing that my report was not fraudulent. The bank claimed that I'd used my debit card at the POS ( point of sale - chip ). I requested that the bank provide documented evidence of their claims or investigation and to re-open the investigation. The bank has since failed to provide evidence of my use of the card on XX/XX/2023, and has failed to contact the merchant despite several requests for them to do so.
Consumer complaint received 2021-09-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (CO)

Applied online for and funded a checking account with a {$15000.00} transfer from an external account on XX/XX/21. Confirmed with Citibank in an online chat later that day that account was successfully opened. Initial funding transferred from external account and showed as pending/on hold when logging in online to newly opened Citibank account. Received email from Citibank on XX/XX/21 that account would be automatically closed in 60 days because it was found that I had violated the terms of my account per the client manual. I called the number in the email to get more information regarding this notice and, after being transferred to 4 different individuals, I was finally able to speak with someone on Citibank 's fraud team who told me the account was set to be closed the same day I applied on XX/XX/21 for some reason they could not disclose over the phone, but that I would be receiving a letter in the mail with an explanation. When I inquired about being returned the {$15000.00} I had transferred to Citibank to fund my account, I was told that the status of that fund transfer was being reviewed and it could take anywhere form 30 to 60 days before that money would be returned, and another 10 to 15 days for the money to arrive by check in the mail. In addition to the unsatisfactory answers I received regarding the account being closed for vague reasons, I also expressed my dissatisfaction regarding the amount of time it could potentially take to have {$15000.00} returned to me. There was no intent by anyone I spoke with at Citibank to alleviate what to me feels like an unjust holding of money that belongs to me. I don't understand why money that was so easily transferred in when opening the account couldn't just as easily be transferred back. No one at Citibank was willing to help to resolve this matter in a satisfactory manner.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

On the morning of Friday XX/XX/2024 I received a notification from Chase app that there was a transfer from our checking account to an account in a company called XXXX XXXX XXXX in the amount of {$49000.00}. 

I subsequently contacted Chase Customer Service line to report this unauthorized transfer. They told us that they will investigate and get back with us. We have since gone to two different Chase branches near hour house and called their Claims department numerous times. 

We received a credit in the amount of {$23000.00} on XX/XX/2024. We have been told since then that this is the amount they were able to recover and they don't know when/if the rest of our money will be credited back to your account. 

At this point 2 weeks after this incident, all Chase is telling us is that they are investigating this and no other detail is provided.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

I noticed that there was a credit report on my chase account this XXXX. It came from XXXX for a balance of {$700.00}. I have never used XXXX in my life. I contacted the lender and they mentioned an email address that never belonged to me. The report was ran today. They placed my account on alert and will go ahead and dispute this report but I will need to provide information.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

I had a home mortgage modification which also included a second mortgage. The loans were transferred to two separate mortgage servicers. The maturity date on the primary loan is XXXX. However, the servicer of the 2nd loan is reporting that my monthly payments are {$11.00}, XXXX, which is the total balance of the loan. As a result of the inaccurate information my debt ratio is 250 %. I've disputed with both the credit bureaus and the servicer, Select Portfolio.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (NY)

" Nationstar Mortgage '' account is erroneously listed as adverse despite the account being paid-in-full & closed & satisfactorily OK. This misnomer & mischaracterization of that satisfactorily settled Mortgage accountis negatively affecting my Credit Score and abitlity to secure Rental & Job opportunities. Please fix that egregious inaccuracy as soon as possible.
Consumer complaint received 2024-03-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC (GA)

I was trying to purchase a car from Carvana and their buying process is XXXX percent online. I completed the application process and was told that I was approved with a down payment of {$5100.00} on XX/XX/year> I tried to complete the purchase by submitting the down payment required by Carvana. On XX/XX/year> I called Carvana with some questions and I was informed that I was in fact not approved for the loan from Carvana and that in three to five business days I should receive a full refund of the {$5100.00} dollars but as of today XX/XX/year> a refund still has not been initiated by Carvana and they told me that they are putting in a ticket for the finance department so they can issue the refund which I should receive in three to five business days from today XX/XX/year>. Thats just entirely too long for them to hold onto my money especially if they are not providing me with any kind of service. If fact that are creating an extreme hardship by holding on to my funds. This is a very bad business practice and it should be illegal for them to be able to collect funds before completing and verifying the approval for the loan process and just hold on to money that they arent entitled to.
Consumer complaint received 2020-09-04
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: PNC Bank N.A. (PA)

I am writing to complain PNC 's poor check deposit and fraud defense system! 

I am an international student. In XX/XX/2020, I, unfortunately, ran into a scam based on an employment opportunity at the XXXX XXXX University XXXX XXXX XXXX posted on XXXX. 

The fraud mailed me a check ( {$7800.00} ) to deposit for purchasing equipment for the " remote job ''. I deposited in the local PNC branch, and I told the fraud that I need to wait until the pending ends, which means the check is approved by PNC and posted on my bank account. 

However, PNC just used 1 day to approve the fake check and posted the money ( {$7800.00} ) to my bank account. I trusted PNC and sent money to the fraud. I was thinking I was using the money in the check only! Then, after 1 day, I realized the " employer '' was a fraud. So, I called XXXX immediately, and I also called PNC and PA Attorney General to report this scam. Right after 2-3 hours, in the afternoon, PNC told me the check was returned unpaid! And they wanted to blame on me for sending money to the fraud! I highly doubt PNC 's security system on checks. It was even me who told them there was a problem! As a XXXX XXXX, I have no ability to tell whether the check is true or fake. And I even don't know that when money is posted on your account, it can still be bounced back. To me, PNC failed me by posting the fake check in 1 day. There was no single alert for fraud or scam at all! It's a scam supported by the bank! 

If PNC, in the end, refuses to take their responsibility for this case and wants to blame everything ( {$7800.00} ) on me, I can't even afford to pay all the lost money which is more than I have! 

I am a hardworking person who has a XXXX of XXXX XXXX from the XXXX XXXX University. I pay taxes and try so hard to be a valuable element for this society. Please help me by standing against this bank system full of flaws!