davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

I disputed Late pays on my credit report due to the cares Act. I had perfect payment history with these creditors, I provided documentation as well as a dispute letters these late pays have remained on my credit report for years after disputing them over and over I requested documentation from the credit bureau such as a account ledger from the creditor, Signed contract by me and creditor as well as a bank statement showing I made payments according to the Revised contract and payment agreement. None of which were provided but late pays remained on my credit report with no response from the credit bureau. Late pays Consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

After much due diligence and consideration, Im filing a last and final notice of violation of my FCRA, FDCPA, and FTC rules and statues..In the form of phone calls, disputes, and complaints. Ive made EQUIFAX as well as XXXX, more than aware of, first negligence, and then malicious intent, to both allow, as well as, further the abusive and fraudulent reporting of information on my credit report ; causing defamation to my creditworthiness, as well as injury to my personal and business ventures and life. For XXXX XXXX XXXX XXXX EQUIFAX and XXXX has both propagated false testimony and evidence of debt and credit practices. By allowing XXXX XXXX XXXX a company that from the beginning has reported a closed charged off status. For XXXX XXXX XXXX XXXX both companies allowed this closed charged off account at {$180.00}, allowed said account, to accrue a monthly balance in the form of XXXX dollars, monthly. XXXX, in the beginning, as well, allowed and propagated, this fraud. But was made aware and immediately ceisted and and desisted from fraudulent reporting. As for EQUIFAX and XXXX, they made every attempt to delay and hide their fraudulent reporting ; and allowance of abusive tactics of companies attempts at absconding from FAIR DEBT COLLECTION PRACTICES. This particular complaint has never been an issue of IDENTITY THEFT/ FRAUD ; except in the regards of said companies. Both EQUIFAX and XXXX in their attempts to delay and hide their fraudulent and unethical reporting, inserted and furthered statements of PAST DUE, IN COLLECTIONS. To EQUIFAX, reopening said closed and charged off account, to have a current status of open and late on XXXX payments ; causing me tremendous injury. Upon calling EQUIFAX, immediately, I was met by a XXXX, by the name of XXXX, who attempted to further EQUIFAXs fraud, until met with statues and codes of the FCRA and FDCPA ; which he attempted to pervert, until met with true stature. He admitted on recording that EQUIFAX was infringing on my rights, while investigating a dispute, adding abusive statements and reopening said account. This has been ongoing for XXXX consecutive months with no accountability or resolution. XXXX EQUIFAX again denied my dispute about said fraud and inaccuracies.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo transferred me for approximately two hours among four different agents, none of whom had the information necessary to assist me with my claim. One of the agents, named XXXX from the fraud department, even laughed at me and told me to go to the police to recover the money that was taken from me, stating that he would do nothing about it. Nevertheless, I kindly requested to be transferred to the supervisor, XXXX, but he cut me off and said, verbatim, that if I wanted to speak with someone else, I should " call back. '' Are these operators not being properly trained? What kind of customer service training do they receive? I called back to assert my rights, as I am justified in reclaiming the money I had saved to purchase a car in cash, which was stolen from my XXXX XXXXXXXX XXXX XXXX, along with my cards, PIN information, and ID. I even had to request new keys when I discovered they were missing. Additionally, my phone, which I use for my work as a XXXX, was also taken, and I have proof that I was only able to recover it yesterday. 

Wells Fargo seems to want to wash their hands of this situation, and let me make it clear that I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If I need to study and defend myself to the fullest extent, I will do so! I have rights, and I am alone in this country. To manage my monthly expenses, I buy and sell cars, which is why my money was in that checking account. I will be closing it immediately upon the return of my funds. 

Furthermore, this is not the level of service one expects as a client who consistently maintains over {$20000.00} in the bank. How can they expect to respect me as a person? I will close my account here as soon as my money is returned. 

During my initial call, the agent who took my claim recorded only the transactions she deemed appropriate. I have since discovered that my claim was closed, and upon investigating how to view it online, I noticed that she included transactions from the city where I live, which are indeed mine. However, I was also charged for three ATM withdrawals and a payment of {$1100.00} in XXXX XXXX. The last time I was in XXXX XXXX was to see XXXX in XXXX! 

I therefore request that you utilize all the " advanced technology '' you must possess to investigate this matter thoroughly and return my money. 


Thank you very much for providing this space to clarify everything and for helping me find an entity that can assist me. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Balance : {$15000.00}.
Consumer complaint received 2023-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (CA)

I filed for XXXX in XXXX, XXXX. My XXXX was XXXX in XXXX, XXXX. My balance with Apple Card - Goldman Sachs Bank USA was included in my XXXX 

Since I've received my XXXX discharge Apple Card continues to report this account as open and derogatory to XXXX. It is only reporting as open on my XXXX credit report. All of my XXXX credit card accounts, including this one, are now closed. Continuing to report this account as open, when it is closed, is affecting my XXXX XXXX. 

I contacted Apple Card in XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX - requesting an update to my XXXX credit report. Each time I was told my request had been escalated to a XXXX XXXX XXXX and would reflect with the next reporting at the end of the month. It is now XXXX, XXXX and this account is still reporting as open on my XXXX Credit report. 

I have challenged this misreporting directly with XXXX in XXXX, XXXX and in XXXX, XXXX. Apple Card continues to verify back to XXXX that this information as accurate, and no changes have been made to my report. 

Please note, Apple Card is accurately reporting that the card balance is {$0.00} and was included in my XXXX, HOWEVER they are still reporting the account as open. THIS ACCOUNT IS NOT OPEN AND IS NOT IN A DEROGATORY STATUS. IT IS CLOSED AND NEEDS TO BE REPORTED TO XXXX AS CLOSED. To reiterate, my issue is not how it is reported to XXXX or XXXX. The issue is solely with XXXX. 

I am reaching out to CFPB for assistance with getting this corrected. If this is not resolved my next step will be to take legal action.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (RI)

Please be advised that this is my SECOND REQUEST asking you to remove the unverified account listed below that remain on my credit report in violation of the 15 U.S.C 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that the item is being reported correctly. What this mean is that your company must be willing and able to produce a document in your files that proves the account in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the knowledge of the alleged account and all that has ever transpired for the alleged account, under oath and under the penalty of perjury. You have ignored my request to provide me with the documents that you have in your files that you used to verify the disputed account which means that you are NOT verified or you can not verify my account and under section 611 ( 5 ) ( A ) of the FRCA- you are required to promptly delete all information which can not be verified.
Consumer complaint received 2020-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (CA)

All charges from XXXX, XXXX XXXX, and XXXX were for products sent that were no way near their descriptions, were defective, faulty and caused injury. I went through these companies fake " dispute '' process which just protects XXXX. I spent a lot of time making videos, taking pics and writing up a lot, not to mention getting third party written opinions of the condition. They should have all been refunded but Chase just really dropped the ball. I kept calling and writing Chase over 40 times in past year and resubmitting the evidence and never got one uncanned reply. They did nothing. This is not protection at all. The charges add up to 9k now. I kept the acct open so they could fix it and want this stuff returned. XXXX did not want to pay for return shipping. They are treadmills that are super broken and the dimensions are 4 inches shorter on the belt than said. That makes a huge difference and they caused injury. Also the computers didn't work, bearings, belt rungs, and much more. The shoes ordered fell apart from just opening. They were all made super shotty and not like the pics. The vendors all claimed to have 100 percent warranty and guarantee and it was 0 percent. Why is Chase defending XXXX when the evidence was so blatant? Is Chase funded by XXXX? Chase acted very negligently by not honoring their contract for purchase protection.Main menuOpen main menu FeedbackOpens new window MessagesYou have 4 message ( s ) : shows content below. More messages may appear after some time.4 Open an account : opens menu Chase Private Client logoAccounts SearchSearch : Need anything? Just ask. 
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Inbox ( 11 ) Sent messages, current selection Special offers Go back to the top of the menu.Previous message Sent messagesOpens information dialogue : Sent messages New message My messages Date DateSorted descending To To, not sorted Message Message, not sorted XX/XX/XXXX Chase Online Re : Account Inquiry XX/XX/XXXX Chase Online Account Inquiry XX/XX/XXXX Chase Online Account Inquiry XX/XX/XXXXChase Card Services Account Inquiry XX/XX/XXXXChase Online Re : Account Inquiry XX/XX/XXXXChase Online Re : Account Inquiry XX/XX/XXXXChase Online Re : Account Inquiry XX/XX/XXXXChase Online Re : Account Inquiry XX/XX/XXXXChase Online Account Inquiry XX/XX/XXXXChase Card Services Account Inquiry Attachments XX/XX/XXXXChase Card Services Account Inquiry Attachments XX/XX/XXXXChase Card Services Account Inquiry XX/XX/XXXXChase Card Services Re : Account Inquiry XX/XX/XXXXChase Card Services Account Inquiry XX/XX/XXXXChase Card Services Re : Update to an existing dispute Expiring soon
Consumer complaint received 2023-08-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My husband and I are currently trying to refinance our home. We originally had a mortgage from XXXX. The loan was sold to SPS Servcing in XXXX. We are unable to get the home refinanced due to a deferred interest balance that XXXX had put on our account. We do not recall having the loan remodified or payments deferred. The underwriter is asking for paperwork showing what this interest is for. 

I originally spoke to SPS XXXX  weeks ago to see if they had documentation from XXXX explaining the interest. I was told that this was something that was done by the previous lender and they only documentation they had were copies of statements. They said I would have to contact XXXX. I am sure you are aware that XXXX is out of business! There is no one we can talk to about this deferred interest! 

A week later I spoke with SPS again to see what paperwork was sent from XXXX when the mortgage was sold to them. I was told nothing was sent over from the previous lender. How can this be- where is all the paperwork! 

A few days later my mortgage officer from XXXX XXXX and I called SPS on a conference call to see if we couldn't get some sort of explanation! We found the individual from SPS to be nice but no very willing to do any research or look further to try and assist us! 

On Tuesday, XX/XX/XXXX I called SPS again to see if they had found anything. I was told by the individual who answered the phone that she found a document dated XXXX that showed the deferrment. She was going to send it to me. I did not receive it! 

Once again on Wednesday, XX/XX/XXXX my mortgage officer and I made a conference call to XXXX at SPS to see the status of the document that the individual from the XX/XX/XXXX call was going to send me. She informed us that according to their correspondance no request for a document was issued. 

We were on the phone with XXXX for about XXXX minutes asking and begging her to do further research and she replied that all she had were the papers in the files. She finally agreed to have the research department look at our file. She obviously was not willing to do anything further than read her file. 

My husband and I are between a rock and a hard place- we need to get our home refinanced ASAP. 

How can a company like XXXX sell a mortgage and not forward all the documentation to the new owner ( SPS )? 

Please help us. 

XXXX & XXXX XXXX
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (TX)

I am writing to formally file a complaint against Chase Bank for a series of issues that have not only caused me severe inconvenience but also appear to be retaliatory in nature. Here 's a chronological account of the events : Transfer Limitation : On XX/XX/2023, I attempted to transfer {$1300.00} to a friend in an emergency situation, but was prevented from doing so due to a {$500.00} per day transfer limit. This restriction seemed arbitrary and posed an immediate problem for me. 

Refusal to Remove Limit : I contacted XXXX customer service to explain the urgency of the situation and verify my identity, but they refused to increase or remove the limit. This lack of flexibility caused significant distress and prevented me from providing essential support to my friend. 

Escalation Failure : I escalated the issue to Online Account Supervisor XXXX XXXX, expecting a solution. Disappointingly, she also refused to increase the limit, displaying a lack of empathy and understanding of my situation. 

Account XXXX : Shortly after my interaction with XXXX XXXX, my XXXX account was suddenly locked. The timing of this lock leads me to believe that it XXXX have been retaliatory in nature, further adding to my frustration. 

Persistent Issues with XXXX Transfers : Now, every time I attempt to use XXXX to transfer money, the transaction is rejected, and my account is locked. The unlocking process involves calling XXXX and waiting on hold for roughly XXXX minutes each time. This ongoing problem has made managing my finances a constant struggle. 

The experiences described above reflect poorly on Chase Bank 's customer service and suggest a lack of care for customer well-being and fairness. I respectfully request that the CFPB investigates these matters and assists me in resolving them promptly. 

Thank you for your attention to this serious matter. I trust that the CFPB will take the necessary actions to ensure that Chase Bank addresses these issues.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TN)

I did not authorize this on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

In XXXX of XXXX I was alerted by XXXX XXXX XXXX XXXX XXXXXXXX XXXX  that a mortgage in forbearance was on my credit report that was pulled in our home refinance process for a home I shared with my new spouse in XXXX, XXXX. I was asked by a home preservation specialist there to agree to sign for a special loan made to cover payments not made by the property owner. I refused to commit to a new loan and showed them the quit claim deed dated XX/XX/XXXX, and the separation agreement signed by XXXX XXXX and myself on XX/XX/XXXX, that is of record in XXXX XXXX XXXX  where my former spouse agreed to take on the house mortgage since he wanted to keep the home and I was moving to XXXX. When I later moved back to XXXX  with my new spouse and purchased a different home, the loan did show as still on my credit report, but once I showed them that same paperwork, they determined to disregard it. I did not hear from XXXX XXXX again on the issue until this XXXX of this year ( XXXX ) when I received notices from the bank 's law firm that the house had gone into foreclosure. The owner ( XXXX XXXX ) had been taken into and currently remains in police custody on an unrelated matter as of XX/XX/XXXX as well. I presented this paperwork to contest the XXXX XXXX XXXX appearing on my credit report to XXXX and Equifax and I received a notice from Equifax dated XX/XX/XXXX stating : " We have researched the credit account. Account # - XXXX The results are : THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX XXXX, IA XXXX Phone : ( XXXX ) XXXX. '' Then I received an electronic statement today ( XX/XX/XXXX ) that states the information has not been removed.