davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-12
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACQ Holdings, LLC. (TX)

To whom may concern please stop sending me a letter through mail threatening legal action against, me from the Law offices XXXX XXXX XXXX XXXX, I will file a complaint with the Consumer Financial Protection Bureau under the Civil statute of Limitation law in the state of Texas. The expired date on this collection of debt is known void account number XXXX this is a Cease & desists from a legal letter does not apply to me. After communication through the mail with threatening legal action, I will move forward with my consumer attorney under the state law in Texas thanks. 

This law offices is trying collect on old debt! that expired on a law suite it under the Civil statute of Limitation law in the state of Texas account number is XXXX they are collect from third party easy cash money online! amount is XXXX dollar and its not true legal amount in the state of Texas. 


My name is XXXX XXXX XXXX I stayed in Texas My phone number is XXXX if you have any question about this old Debt.
Consumer complaint received 2020-01-18
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: Experian Information Solutions Inc. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report.
Consumer complaint received 2021-07-17
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. (MD)

This complaint is regarding consumer reporting agencies reporting inaccurate information without my written consent pursuant to 15 USC 1681b ( a ) ( 2 ).

The problem is a blatant disregard of my rights that Congress put forth for consumers protection, stating my written consent to my consumer report is needed before furnishing any information. The non cooperation giving makes pursuant 15 USC 1692k the agencies involved civilly liable. 

I mailed a letter XX/XX/2021, and as of XX/XX/2021, i have yet to receive a response. 

The agencies that are violating my IV Amendment ( The right of the people to be secure in their persons, PAPER, and effects, against unreasonable searches ) are XXXX XXXX and Equifax. 

This complaint is from the consumer who is also the natural person.
Consumer complaint received 2022-07-03
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. (MI)

I got a repo for one missing one payment it went to XXXX XXXX nothing to do 57 district court in Michigan his lawyer shows up he don't I did we waited a half hour now the XXXX goes to court for all his XXXX gets off my be credit reports now I want XXXX back now
Consumer complaint received 2020-01-18
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. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report.
Consumer complaint received 2020-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I'm filing a complaint in reference to my Account XXXX American Advantage Platinum Select Credit card wants to hit me with late charges {$19.00} XXXX, total {$19.00} the pending charges was {$19.00} and was not paid on time. 

l didn't know about my charges because Platinum Select decided on their to send my statement paperless. 

Explained my situation and stated that I have been banking with Citibank since XXXX and I have never seen this type of shakedown! 

My account has been in auto pay mode for many years, and all of a sudden this service was disconnected. 

Citibank records indicate that on XX/XX/XXXX I lost my credit cards and I was issued a new card! At that point, this auto pay service was disconnected and very conveniently I was not informed. 

During this pandemic, I have not paid my rent, my electricity and so forth.And I plead with the credit card company to waive the so called late fees, and was told " we are not in the position to waive or delete these charges! '' American advantage, had signed my account paperless without my permission, I was unable to see my account online because of security issues. 

I have been banking with Citibank since XXXX. At this point, I feel the credit card company is being abusive! its position as a credit card institution doesn't give them the right to dismiss my legit and valid explanation!! 

Sincerely, XXXX XXXX
Consumer complaint received 2021-07-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Millco Management (WA)

I contacted Amerifinancial Solutions via. phone call XXXX. Upon answering they demanded for my social security number which I gave them, along with my name. I talked to an agent named XXXX. I confirmed with him that the total debt of XXXX was correct and I would be willing to pay it. I asked if when I pay it that he would clear it from my credit history, he said yes. I asked if he could send that to me in writing he said they dont give anything written and that my assurance was on the recorded phone call. This did not sit well with me, so I said I will call them back later. After thinking about it, I figured I could see if I could record on my end, the conversation as my evidence of our agreement. I called the Collector a second time, this time the agent was XXXX. XXXX said that Maryland is a two party consent State and that he did not consent to me recording. I found this odd, since their automated system stated the phone call XXXX be recorded. I ceased the call at that point. I called a third time to try to get the Company Address to make a lump sum payment and got a PO Box address. I started to feel further uneasy about this Company and researched them. I found that on XXXX about their horrid business practice. Also furthered by more negative comments on XXXX  ( which Ive also filed a complaint ). I would wish to remove this debt from my credit history. Im willing to pay its full amount of XXXX however based on my research on this companys practice and my current interaction with them. I have no faith in them that my full payment would be properly applied to my debt and not removed from my credit history ( or at least, shown as Fully Paid Off ). I need help resolving this. I need a written statement on the Companys agreement with me and confidence that my full payment will be acknowledged and reflected in my credit history ( with the 3 Credit Bureaus, XXXX, XXXX, and XXXX, if applicable ).
Consumer complaint received 2021-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (TX)

My wallet was stolen on XX/XX/2021. There were two unauthorized charges at XXXX  on my account with my Chime card. I filed a police report, and was informed that the person was on footage using my card and making the unauthorized transactions. I sent this information to Chime and filed a dispute on XX/XX/2021. On XX/XX/2021, I received an email that my claim had been denied and I would not be receiving my money back, despite all the evidence that the charges were not made by me.
Consumer complaint received 2023-01-06
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. (MS)

Please take a look at the attached letters and XXXX XXXX XXXXor verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: PNC Bank N.A. (FL)

I filed a dispute with PNC Bank on XX/XX/2022 for 3 ATM transactions that did not properly dispense. The ATM failed to dispense any amounts on 3 separate occasions but still charged my card the full amount. The ATM displayed an error message to " contact your financial institution. '' I ultimately filed the dispute with PNC and they requested additional information by sending a letter to my home address on XX/XX/2022 which I have not received. I typed up my own explanation of the events that happened since I had not received the letter and faxed this information back on XX/XX/2022. I followed up for several days and was told on XX/XX/2022 that PNC had not received my fax. I have confirmation that the fax was accepted by " XXXX '' at the fax number XXXX. They still maintained the fact that the fax had not been received on their end. I have refaxed the information over a total of 4 times on XX/XX/2022. I recalled their customer service line and was finally told they received the fax. The letter that was sent out on XX/XX/2022 stated that I had until XX/XX/2022 to provide the requested information, which has been done timely. As a former XXXX XXXX, I am aware of every federal banking regulation there is ... and these transactions are governed by Reg E, which carries very strict guidelines that financial institutions need to adhere to. Under Reg E, when a dispute is filed, a financial institution has 10 business days to investigate the error ( s ) in question. If they are not able to complete the investigation in the 10 business day timeline, a provisional credit is SUPPOSED to be provided during that time and the financial institution has up to 45 days to finish their investigation. PNC has violated this regulation intentionally, even after being told they were in violation. They have insisted that I wait. I have done my part and now they need to adhere to Reg E. The Dispute claim was for {$500.00}, {$500.00} and {$340.00} ATM withdrawals that failed to dispense for a total amount of {$1300.00} that they have failed to render.
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (OH)

I sent an Accord & Satisfaction notice ( XX/XX/XXXX ) with settlement offers for two charge off accounts with XXXX  ( {$970.00} past due ) and XXXX ( {$3100.00} past due ), both from XXXX. They were sent via certified mail & gave XXXX  & XXXX XXXX  ample time opportunity to decline. They did not, I later sent restrictive endorsement checks for {$240.00} ( via certified mail on XX/XX/XXXX ) and {$790.00}, reiterating the terms of agreement on the back of the check : " Upon endorsement and deposit of the check the creditor agreed to terms of Accord and Satisfaction : This payment will be to settle the debt in FULL on the accounts with a final one lump sum payment & will satisfy the account in full. Upon the receipt of this final payment the XXXX & XXXX agrees to delete ALL negative reporting & no derogatory comments with be reported to XXXX XXXX , & XXXX  -The new credit reports to the above account will be Paid As Agreed - No further collections actions will continue on the charge off account '' They accepted the restrictive endorsement checks but did not honor the terms of the agreement. Only the payments were reported to XXXX XXXX, & XXXX. The rest of the agreement terms were disregarded. I plan to take legal action for defamation of character if this is not resolved.
Consumer complaint received 2018-12-22
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)

I am so confused why XXXX XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time
Consumer complaint received 2018-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On Sunday the XX/XX/XXXX I used the drive thru ATM. The ATM took the money and gave out an error receipt saying to call customer service. I called customer service and was informed that the ATM ate the deposit and they woulf have to do an investigation while they would credit me for at least {$760.00} to my account while they investigated and the credit would be in by the next business day. They said the investigation would take about 15 days. Monday afternoon i still didnt have a credit and called there claims department and was informed that it would be in there by the end of the day. Tuesday night I had no credit and when I called the claims department was informed there would be no credit and just the funds till at the end of the 15 day investigation. For the last week I have been in the branch speaking to the branch manger and calls to the customer service line. I have emailed them within the bank website and still do not have any answers or help from anyone working for the bank.
Consumer complaint received 2018-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am so confused why XXXX  XXXX is being reported as late when I always make my payments on time. Please take this error off my credit report. It is unfair when I am paying this account on time
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (OR)

Company stating that they wrote {$640.00} off of the loan. This is untrue as I paid the entire amount in full. I have disputed this twice and Wells Fargo dealer services has refused to update with the correct information.
Consumer complaint received 2018-12-22
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. (TX)

I have been sending letters to Equifax for months now and I have repeated myself over and over again. I am extremely concerned about the actions Equifax is having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own XXXX  XXXX, XXXX XXXX, Chapter XXXX Bankruptcy Dismissed XXXX-XXXX-XX/XX/14
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Despite the fact that I have disputes them countless times at Equifax, and also have filed numerous complaints with XXXX University, they continue to report the status of my two loans as actively 120 days delinquent. These two loans have actually been closed for nearly four years by now. They are doing this maliciously, so that these accounts will suppress my credit scores more than they should. The Fair Credit Reporting Act promises that all individuals can have an accurate credit report. But XXXX University continues to violate my federal rights by reporting my accounts as 120 days late, as opposed to closed 4 years ago. And furthermore, Equifax is also complicit in allowing this falsehood to continue. The account numbers in question are XXXX and also XXXX.
Consumer complaint received 2018-12-22
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: Paypal Holdings, Inc (FL)

Unauthorized charges arbitrarily and repeatedly have been made by the XXXX  company to my accounts. XX/XX/2018 is the most recent unauthorized charge. Affected accounts are listed below : XXXX XXXX Credit Card XX/XX/18. XXXX. N.Y. {$41.00} XXXX XXXX has indicated the charge will be removed and the XXXX company will be blocked from access to my account.

XXXX XXXX Credit Card XX/XX/18. XXXX. XXXX. N.Y. {$41.00} XXXX XXXX provided to my account in the amount of {$41.00}.

XXXX XXXX XXXX XXXX XXXX Checking Account XX/XX/18. XXXX. XXXX. N.Y. {$30.00} XX/XX/18. XXXX. XXXX. N.Y. {$50.00} XX/XX/18. XXXX. XXXX. N.Y. {$10.00} XX/XX/18. XXXX. XXXX. N.Y. {$30.00} XX/XX/18. XXXX. XXXX. N.Y. {$40.00} XX/XX/18. XXXX. XXXX. N.Y. {$60.00} XX/XX/18. XXXX. XXXX. N.Y. {$40.00} XX/XX/18. XXXX. XXXX. N.Y. {$40.00} XXXX XXXX XXXX XXXX XXXX resolved my dispute of these unauthorized charges by providing the appropriate credit for the charges and applicable interest.
Consumer complaint received 2018-12-22
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (NY)

This is not a debt I owe. This is money owed to me from a debt collection agency. 
On XX/XX/2018 I sent a letter to XXXX XXXX of XXXX ( XXXX XXXX, DBA EOS XXXX,XXXX XXXX XXXX , XXXX , MA XXXX-XXXX ). They had sent me a refund check for {$170.00} that bounced. I requested a replacement. Months later I contacted the XXXX XXXX XXXX of XXXX. Complaint was closed then re-opened several times. Still no refund. 

I understand this is a small amount, but it means a lot to me. This company is not accredited by the XXXX and has been lawsuits pending.
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Upgrade, Inc. (OH)

I started the process to sign up for the Upgrade card not realizing it was not a traditional credit card. I never completed the process and sent an email to their customer service asking to cancel. No response and they went ahead and sent me a card anyway, even though I never completed the process. Yesterday I called and a machine told me that the expected wait time was 63-65 minutes and asked if I would like a call back. I never got one. Tonight I have been on hold for nearly three hours and counting. About an hour and 15 minutes into my wait I spoke to a representative who told me that he would transfer me to account services and someone there would be able to help me. Im still holding, going on three hours, and still have not succeeded in canceling my account.
Consumer complaint received 2018-12-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (VA)

I am having severe financial problems right now and being called 5-6 times a day and left non stop voicemails is not going to help me pay my debt any sooner. Do not answer or call back because if your company is this harassing without a phone conversation I do not want to speak with you about when I can pay because you will probably call and harass me even more literally XXXX. until XXXX and this is 5-6 calls from one number but your company calls from different numbers so I am probably receiving atleast 10 phone calls a day which is ridiculous. Your constantly waking my newborn baby by calling all the time. Between the number listed above XXXX, XXXX, and XXXX these are the dates and time of calls received daily just within the last 11 days. XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) XX/XX/XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) I am sure I probably missed some because you call off multiple numbers but 89 calls in the span of 11 days is ridiculous and beyond harassment especially for a debt of maybe {$300.00} dollars.
Consumer complaint received 2022-08-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

I was awarded the home in divorce proceedings and received Special Warranty Deed. Both the Mortgage and HELOC were in Ex-Husband name only. Paid off first mortgage but the was an Escrow shortage, of which Chase allowed me to do an assumption modification. When I complete the process the said it was denied because Ex-Husband would not sign the Modification Agreement. However ever month I have continued to make the payments according to the agreement and the continue to accept them. 

I recently received the notice about Foreclosure on the HELOC. I never received any notices on this loan because Chase was sending statements to an address give by Ex- Husband. Because he is only person on the loan Chase would not change address and they lost communication which him over two years earlier. When I called in and advised them that the home had been awarded to me in divorce, they advised me of an Accessor Of Interest position. I was told to send in Divorce Decree, copy of Warranty Deed, etc. So I did. The documents were reviewed and I was added as the successor. However Chase refuses to forward any Billing Statements or Documents of the original Loan Contract. According to their representatives, I can only reinstate the loan and continue to make payments. Also, at any time if my Ex-Husband wants to with draw any of the equity out of the home he can do so, as the line of credit is still open. They told me that Im not legally liable for the debt. Hence, I can only be given a limited amount of information, of which will be verbal. If Chase can forward a written Payoff Quote, why cant they ballade the debt and send monthly statements. What is the purpose of becoming a Successor of interest. 

There is an estimated XXXX balance and over $ XXXX equity. I went into a local branch and spoke with a representative who downloaded a Request For Mortgage Assistance Package. I forwarded the packet in with several financial statements, to show that I could make the payments but dont have the money to reinstate the loan. A representative confirmed the documents were received but could only say that someone will give me a call once the documents are reviewed. This person stated the they/Chase would not be able to release any loan documents prior to me becoming a Successor Of Interest, which includes monthly billing statements. 

Please tell me what are my rights as the sole property owner.