davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

I purchased two beds on XX/XX/2022, a side table on XX/XX/2022 and one other bed on XX/XX/2022. The first two beds and the side table were delivered to our address in XXXX, Florida. The thirds was scheduled to be delivered to our home in XXXX, Texas ( this was also supposed to be delivered in Florida ). We were told it is our mistake even though the order was placed by a Macy 's representative over the phone. We decided to return all the furniture and requested a refund. The bed being delivered to Texas was never delivered and the beds and side table that were delivered to Florida was going to be picked up. 
After several phone calls and multiple hours spent with Macy 's representative in different departments and different parts of the world, the piece of furniture were picked up in XXXX separate pickups. We have requested for a refund as none of the beds or the side table were opened from their original packaging. 
Macy 's have give us every excuse under the sun, are in position of the merchandise and are refusing a refund. 
Macy 's credit card refused to place the debits in dispute or provide us a refund.
Consumer complaint received 2022-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

XXXX XXXX I paid my credit card debt with XXXX XXXX XXXX through XXXX XXXXXXXX XXXX XXXX  and XXXX  XXXX XXXX  the XXXX  was {$2000.00} and the XXXX XXXX was {$1600.00} round about. XXXX I seen some fraud charges from XXXX XXXX on my card the was fraud as well as a XXXX charge and XXXX XXXX charge. I contacted chase bank the disputed my entire account months n months back reversing all kinds of legit payments on me that I normally pay every month out of that account. So they messed up 2 credit card relationships that took me forever to build and are saying I owe them {$2700.00} and no one will own there mistake so now Im in debt with chase XXXX and XXXX  XXXX XXXX  it ridiculous
Consumer complaint received 2022-04-19
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY (AZ)

I was contacted about some arbitration civil court filing ''. When I reached out to them for the number they gave me to reach them. XXXX. 

They left a voice message to me and my girlfriends others PHONE number multiple times stating that " We have been retained by the plaintiff to process and facilitate a civil complaint. Which names you as a respondent. We have to perform asset in employment verification. But that is only if the preparation is needed for you to be served. In the meantime you can exercise your rights by having you or your legal representation contact mediation at ____________. Please keep in mind. If you fail to comply this will result in the forfeiture of your rights to dispute this matter and a complaint will be forwarded out to your local jurisdiction. Consider this your official notification. '' I called. They said " We are looking to speak with XXXX about this matter ''. To which I said how may I help you. They hung up. I called back. Another person answers. Same thing. Hung up. I keep calling back because I want to know what is going on and why this person is calling me. After 6 calls. The man from the original time ( XXXX ) answers. 

I asked who they were. They would not answer me who they were, who owned the debt. They hung up on me multiple times. That they were contacting me about collecting a debt with Wells Fargo. I again continued to ask them " Who owned the debt ''. He ( XXXX ) would not answer me that either. Then hung up. As they always seem to do when I have questions about who they are and why they are contacting me. 

I called back and our conversation got heated. I continued to tell them I have worked in Debt Collection and I want to know their organization and who owns the debt. They hung up on me again. 

I called back.. This continued until a full on argument. Where the worker said " If I wasn't lazy and paid my debt. He wouldn't be calling me ''. ON some old supposed debt that I'm not even sure is owned or real. I still can't get any answers from them and they told me " To have my lawyer call '' them. and hung up. 

That's when I came to this site to report it. I feel the number is specific to my case so if they number is called they will say it's for me. Unless they have caller ID associated with my number. But it is a real person.
Consumer complaint received 2022-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

XXXX account # XXXX XXXX has placed 2 missed payments on my credit report, I need an investigation. I need proof of the alleged payments being late or update payments history to paid as agreed
Consumer complaint received 2017-05-04
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: CITIBANK, N.A. (IN)

I would like to file a formal complaint against the following company with in-corrected information or my credit report. XXXX, XXXX XXXX, XXXX XXXX, Goodyear/CBNA. I have been a victim of IDENTITY THEFT. I have notified the Social Security Administration, State of Indiana and Ohio Safety Department of BMV, Ohio State Attorney Office, and the Federal Trade Commission. My brief case was stolen in XXXX XXXX, 2010 inside the brief case were my license, social security card, check book, passport and credit cards. I filed a police report, with the XXXX Police Department. I have file a dispute with all the company name above. These account are not mine, Goodyear/CBNA and XXXX
Consumer complaint received 2017-05-04
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: AES/PHEAA (FL)

FEDLOAN  continues to report to credit agencies I was late  in 2015.   My loans should have been in deferment as i was in school and the months that followed.     Since I have paid a substantial amount of the loans off and pay every month. They have told me they were removing the late payments from my past but never have. I have also reported this to credit agencies yet they are not able to correct either.     My record should not show any late payments as i have perfect credit.     If this does not work, I am going to find an attorney
Consumer complaint received 2022-04-19
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-10-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-04-19
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: BARCLAYS BANK DELAWARE (AZ)

These inquiries occurred without my approval. Ive been the victim of identity theft and I dont recognize any of these inquiries/companies on my report. 
1. XXXX XXXX XXXX XXXX : XX/XX/XXXX Ive been the victim of identity theft and I dont recognize one or more of the accounts on my report. 
2. XXXX XXXX XXXX : XX/XX/XXXX Ive been the victim of identity theft and I dont recognize one or more of the accounts on my report. 
3. XXXX XXXX ( XXXX ) XX/XX/XXXX Ive been the victim of identity theft and I dont recognize one or more of the accounts on my report. 
4. Barclays Bank Delware ( Bank ) XX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report. 
5. XXXX XXXX XX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report. 
6. XXXX XXXX XXXX XXXXXX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report. 
7. XXXX XXXX XX/XX/XXXX Ive been victim of identity theft and I dont recognize one or more of the accounts on my report.
Consumer complaint received 2016-07-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MA)

to start with, i put a complaint in your company back around XXXX or XXXX when i spoke to someone at that office he did see the complaint and at the time, your office did nothing about it. he now told me that the office has gotten better and something is done about it. the items i am attaching maybe some of what i sent the first time. i was ejected out of my home that was worth more than what i owed. they have sold my house for more than what was owed and i have not recieved XXXX cents for the overage. i want my house back or i want double the money they sold it for. the documentation i am sending you shows how i was trying to get a loan modification under the XXXX program, ( which i attached the guidelines ) and they did not follow any of the rules. they were over and over asking for conditions or as you may know them as documentations and on the same day, asking me for conditions. i never ever recieved anything stating i was denied and the proof is how they are autioning off my home and asking for conditions. I hope this is not just another runaround like i got all those years. FROM XXXX XXXX, OCC, XXXX XXXX XXXX, XXXX, Legal Aide and even your office at the time. the sad part was I had no extra money to hire an attorney and that is what the banks knew and of course all the offices i just mentioned just bounced me and did nothing. I had just lost my husband and put out on the street. for answers below, foreclosure YES, concern about foreclosure THEY DID IT, FYI, i have done modifications for people, if your home is worth more than what you owe, they will not give you a modification!!!! i saw it happen including mine. I would just like to see if anything changed and if I really get HELP this time! I did not get any help from XXXX till XXXX.
Consumer complaint received 2017-05-04
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I asked  XXXX  to verify the account and they still have not even after 4 certified mail request to do so, I currently have a lawsuit against them, as well they marked my account late 30 days several times and I never got notifications but by the credit reports after the fact, I have not seen the car for 2 weeks after purchase as I was a supposedly a co-signer, they also failed to place on my credit report that the account has been disputed by me.     I also have lawsuits agains  XXXX ,  XXXX  and Experian for not doing anything about this unverified account even though they have been told about it via certified mail numerous times and they have not responded to any of my letters for verification as well
Consumer complaint received 2022-04-18
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/22 I walked into a Chase Bank in order to bring my account current that had been closed due to overdraft fees without my knowledge. My account had a minor overdraft of around {$30.00} - {$50.00} in actual debit charges and then additional fees due to the few overdrafts bringing my negative balance to a mere total of {$370.00}. When I XXXX money to my Chase account is only when I realized the account had been closed by Chase. Therefore I walked into the bank to bring it current after being told over the phone by multiple employees for Chase bank that I can easily open a new account after I bring it current. However, that was not the case. After waiting in the bank for an hour for them to figure out how to bring my closed account up so I may pay the bill they had me sit with a banker and denied me a traditional checking and savings account. They did not give me a reason as to why I was denied and only offered me a prepaid debit card which did not allow Bank wires or deposits of any kind. Not only did Chase close my account without my knowledge and lie to me they then ran my credit without my consent which is they basis for why they denied me opening a new account only due to sending me a letter later in explanation. If I would have known that my credit needed to be run in order to open up a new account even as a previous customer I would have never opened up a Chase account to begin with. I did not consent to any credit inquiries by Chase Bank and all of these are fraudulent due to them not requesting or even alerting me that my credit would be run. This is illegal
Consumer complaint received 2020-04-20
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. (KS)

Hello, CFPB. I am writing because I am looking for the best way to solve this issue. TransUnion is reporting incorrect information, and this is hugely affecting me. I need them to investigate the following items : 1. XXXX  XXXX XXXX XXXX. Opened date XX/XX/XXXX. 
Balance {$1600.00}. Limit {$1300.00}. 2. XXXX XXXX XXXX. Opened XX/XX/XXXX. Limit {$2200.00}. Closed. 
3. XXXX XXXX XXXX XXXX. Opened XX/XX/XXXX. 
Original balance {$26000.00}. Closed. 

I sent this company a letter on XX/XX/XXXX. They did not even investigate the account.This is a violation to the FCRA. They are being unfair and negligent. Please send the attache letter to TransUnion. Thank you.
Consumer complaint received 2016-08-03
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one is reporting a 30 days late payment from 2 years ago on my credit reports. This is incorrect as I never had a 30 day late payment. It is also showing in the potentially negative on my reports but showing paid as agreed. This account should be showing in accounts that are saitsfactory. Having this incorrect information reporting on my reports is causing me difficutly in obtaining substantial credit as it is reflecting negatively on my credit score. I have contacted capital one several times in requesting that this information be corrected and updated. I was told that it would be corrected that was month 's ago. I just checked my credit reports and it is still not corrected. I am submitting this complaint because I do n't seem to be getting anywhere with capital one. I have never been late in paying this credit card especially more than 30 days and it is from 2 years ago.
Consumer complaint received 2022-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cawley & Bergmann, LLP (AZ)

I received a letter stating that I owe {$290.00} from Cawley and Bergmann by XXXX XXXX XXXX XXXX. 
This was a debt that I had entered into a discharge amount of {$2100.00} in 2018. 
I was told that settled my debt and now 4 years later I get a letter stating that I still owe.
Consumer complaint received 2017-01-26
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (TX)

When checking my Saving Account at Wells Fargo, I noticed our account was Hacked. 
I have been trying to resolved this issue, with Wells Fargo Fraud Department for ( 2 ) weeks now. I keep telephoning and no responds, seems like they do n't care.
Consumer complaint received 2017-05-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

XXXX   XXXX   (   XXXX   XXXX     )  Executor of the Estate of  XXXX   XXXX   XXXX  has engaged  XXXX   XXXX  of   XXXX   XXXX   XXXX   XXXX  , as her official housing counselor to submit this complaint on her behalf.     XXXX   XXXX   refinance with  Chase Manhattan w ho secure an instrument on her property located at  XXXX   XXXX   XXXX   XXXX   XXXX  in the amount of {$60000.00} on  XXXX .  Chase Home Finance LLC ( CHASE )  allegedly became either server or trustee, unfortunate we can not identify which posi tion Chase had t itle because there were no filing or recorded assignment of mortgage on file. We declare that a foreclosure was file on  XX/XX/XXXX  b y Chase Manhattan.   During this time,   XXXX   XXXX   was actively making her mortgage payments while the foreclosure was proceeding. Her monthly payments starting from  XXXX  until  XXXX  which means that she was current. During the foreclosure,  Chase Manhatta n filed a fraudulent assignment of mortgage to the  XXXX   XXXX   XXXX   XXXX .  Chase Manhattan  merged with  JP Morgan Chase  after they were shut down in   XXXX   XXXX  . They intentionally proceed with this illegal foreclosure transaction under  Chase Manhattan.  A judicial deed was recorded  XX/XX/XXXX  address to  XXXX   XXXX   XXXX   XXXX  stating that  JP Morgan Chase  convey to    XXXX   XXXX  . Once again there are on recorded documents claiming any of the stated mortgagee name as owners of said property. After the closing of  Chase Manhattan  failure in  XXXX  there were never any Assignment of Mortgage recorded conveying the property.   XXXX   XXXX   has challenged the courts informing them that she was making her mortgage payments and could not understand why she was in foreclosure she had no idea where her payments where been applied. She has contact all the government agency to inform them of this intentionally fraudulent transaction.
Consumer complaint received 2022-04-18
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. (NJ)

N accordance with The Fair Credit Reporting Act XXXX  XXXX XXXX Account Number:XXXX****, XXXX  XXXX  Account NumberXXXX, XXXX XXXX IN Account Number:1609****, XXXX XXXX Account NumberXXXX, XXXX/XXXX  Account Number:XXXX****, XXXX XXXX  Account NumberXXXX, has violated my rights 15 U.S.C 1681 Section 602 A.

States I have a 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 instruction.
Consumer complaint received 2022-04-18
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. (GA)

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX XXXX : XXXX -- -> : {$1700.00} XXXX XXXX XXXX : XXXX -- -> : {$1200.00} XXXX, XXXX : XXXX -- -> : {$260.00} XXXX XXXX XXXX -- -> {$12000.00}
Consumer complaint received 2022-04-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc (OH)

Someone opened a deposit account in my name, fraudulently. They used my email address so I was notified of its opening. I have updated my email password and notified Chime ( XXXX ). Chime responded that they have halted their servicing of the account in question. An XXXX direct deposit form was completed using a fraudulent address for the account. 

Chime 's quick response was good, but I am not in need of additional banking services.
Consumer complaint received 2022-01-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (TX)

This is my second complain with Rent Recovery Solutions and first complaint with XXXX XXXXl At XXXX in XXXX, GA. On about XX/XX/21 my credit report update with a collections account from Rent Recovery Solutions for XXXXXXXX XXXX at XXXX in XXXX , GA. A few days later I contacted them and advised that this was fraud and requested they retract the credit bureau reporting . I advised their representatives that I already submitted a fraud letter to them and had already had one account removed. They refused and just wanted payment. I then contacted XXXX XXXX at XXXX property manager, XXXX and provided proof of the identity fraud. I asked her to have their collections agency remove the credit reporting. She is delaying and not being helpful with removing me from collections. I have an email chain of communications between me and the property manager attached. I've never lived in Georgia and Rent Recovery Solutions knows this from my previous complaint. I need this removed from my credit asap as it is causing me hardship in ability to obtain the credit standards I should be obtaining.
Consumer complaint received 2020-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MO)

Have mortgage with PHH Mortgage, was taken over by XXXX but still serviced by PHh Morgtage..Every since they have taken over, things have been very hard to get in touch with these people. 

I Was approved for trial modification on mortgage XX/XX/2020. Payments were to be started XX/XX/2020. with XXXX, XXXX XXXX of such payments of {$720.00}. I have sent XXXX payment dated XX/XX/XXXX they received and XXXX was XX/XX/XXXX they received. But received a monthly statment that says XXXX was not received or applied correctly. As of today XX/XX/XXXXI get a letter from mortgage saying intent to foreclose has been accelerated! I have tried to call, ,sent emails, no one every replies from this company since it was sold to another lender. I am doing my part to save my home, I did what was asked back in XXXX and the account was approved for trial mod then they are suppose to after all 3 payments were sent in, then they make " new loan '' permanent. I feel like they are not holding up there end and are forcing me to lose my home and this can not be legal what they are doing or one department doesn't know what the other department is doing! Make this company reply to emails. I can't even get into my account as they have me locked out. Whole thing is very ridiculous.