davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/XXXX I asked for and received a link sent by Chase to open a checking account. I completed the information and was denied. There was no explanation as to why I was denied. I contacted ChaseSupport on XXXX and they said " after further review, it appears we'll need to speak with you for further support. '' I called the number they provided on XXXX at XXXX. After eleven minutes, the customer service person said they could not provide information about why I was denied. They transferred me to their escalation department, who reiterated that they could provide no information. The escalation person then suggested I go into a branch - not to find out what happened, but to try to open an account. 

Prior to applying to Chase, I asked Chase whether my XXXX score of XXXX or XXXX bankruptcy discharge would result in a denial. They encourage me to apply on the basis that they consider many other factors. Their application, however, asked only for my name, address, phone number, SSN. date of birth. They did not ask for my income nor any employment information. This suggests that, contrary to their assertion, they look ONLY at credit information. 

The XXXX file on me shows appears clear, depending on how you define that. 

The issues : XXXX ) Chase refused/declined to provide reasons for the checking account denial when timely asked both through private message on social media and through telephone contact with their customer service. 
XXXX ) Prior to submitting my application, Chase asked for my authorization to obtain credit information and its obligations to provide reasons under the FCRA have been breached. 
XXXX ) Worse, perhaps, is that based on my experience, Chase seems to have a systemic method of refusing provide reasons for checking account opening denials, or, if that is technically not the case, they make the process so onerous to obtain the information guaranteed by the FCRA ( i.e. reasons ) that it amounts to a denial to provide reasons. 

I have kept screen captures of all XXXX interactions and recorded the phone call with Chase ( during which they indicated that the calls were recorded, so there is no consent issue ).
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo reported to XXXX XXXX and XXXX that I had late payments in XX/XX/XXXX and XX/XX/XXXX when my account was closed in XX/XX/XXXX with a XXXX balance and NEVER LATE per the letter from Wells Fargo already sent to me on XX/XX/XXXX, attached. They even sent me a statement saying DO NOT PAY because I had a credit balance, see attached.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (AR)

I am writing to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT RPORT. The accounts in question are as follows : XXXX XXXX XXXX Balance : {$9300.00} XXXX  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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report.
Consumer complaint received 2024-10-19
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC. (AR)

- I am waiting on the dates PAID and no payments missed now waiting on personal bank to provide the payments was made and some payments that was said missed that I paid was actually not missed and the SPS that is the Lenders name is now putting me in foreclose in XXXX when Ive none stop since XXXX have provided checks to them proving the payments was made and taking out of the account. Then they would make me miss the next months payment cause they said the payment was PAID TOO EARLY to make the payment the same month as your payment month. I did that sent in beginning of month they would wait for the due date then couple days later they would then cash it then say was late on payment making more fees. I have called them 4 years now with none stop harassment saying I have not paid a XXXX payment from XXXX gave them that payment then it was then another month and year. its a cycle that has not stopped Ive even showed them after requesting what dates\months was misses then getting back papers showing I paid, didnt do no good they always did another form of date and years. 
Ive never had one problem with any mortgage company but this one has been since they XXXX let them take it over. I have went to my Governor and she gave me a list to go through to assist me and Ive contacted them all today saying in detail all theyve done and have done for 4 years. They allowed payments this year on XX/XX/XXXX through XX/XX/XXXX to be paid, but then XXXX they sent the payment back stating they are not accepting our payments anymore that it does not cure the debt and I have to pay in full XXXX and no personal check can be used only a WIRE TRANSFER, cashiers check or Certified Check. The numbers are not adding up at all and stopping my payment in XX/XX/XXXX has made it to where they was able to proceed with a foreclosure that theyve threatened me with many many of times and I know for a fact we have paid them many of times when I was threatened over XXXX XXXX  and to later find out through bank there was not a payment missed. I have account information from bank all the way back to XXXX from when they took the account over. I order them from the BANK so I could show proof of all payments and early payments. There is a lot of proof and the numbers of interest and my principal on home does not add up for one split second. When they first got my loan it was high XXXX owed maybe less have to get more paperwork out of file but after 4 years only with a XXXX fix rate I STILL OWE XXXX.
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (CA)

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. 

XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, has violated my rights.

15 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 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

XX/XX/2017 I had voluntarily surrendered a vehicle with XXXXXXXX XXXX. The loan was for XXXX XXXX. They sold this vehicle for XXXX XXXX. They never corrected the balance on my credit report and are reporting I owe more than XXXX XXXX on the deficiency now. I tried to contact their customer service but had no luck in understanding the balance. I was never sent a bill after the repossession nor have they tried to contact me. They are reporting every month and every month the balance increases. I have tried to dispute with experian but they deny to even investigate this issue for me.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/2022 I received a phone call from the Wells Fargo Small Business number. I was asked about a potentially fraudulent transaction made in XXXX, FL. I confirmed that I was not traveling and that this transaction was indeed fraud. I was asked by the fraud rep to provide a verification code sent to my phone via text. I provided the Rep with the number. After seeing that the code was not supposed to be asked by a Wells Fargo employee, I hung up and called Wells Fargo fraud support. The call was performed by Caller ID Spoofing and the hacker gained access to my account and wired {$16.00}, XXXX to his XXXX XXXX XXXX account. Wells Fargo claims they tried to recall the money but were unsuccessful. They closed the claim with no follow-up call of acknowledgment to me. And told me I am out of luck. I am left to fight this case with concerns on the following items. 

1. I called Wells Fargo within 5 minutes of the incident.

2. There were no security measures made in concerns to the foreign phone and IP address.

3. No call about suspicious depletion of my account to 0 dollars.

4. No follow-up call regarding the case ( as promised ) 5. No follow-up call regarding the XXXX XXXX  XXXX recall status ( as promised ) 6. I am left to believe that this may have been an inside job by a Wells Fargo employee.
Consumer complaint received 2023-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (OK)

XX/XX/23 I paid off my account statement to the card at once ( approximately {$590.00} on a {$600.00} limit ) ; I am using the card to build credit so trying to use it and pay off the balance each month. The card showed that the statement was paid off. The terms of service do not authorize the lender to arbitrarily freeze the card based on paying off " large '' amounts. I received no notification of why the account balance was being held post-payment. 

XX/XX/23 I confirmed over the phone that I made the payment. I asked them to point out where in the agreement it said they were authorized to hold the account ; they refused to answer and said they weren't allowed to tell me why other than that I had made a " large '' payment. They told me it wouldn't be unfrozen ( arbitrarily ) until XX/XX/XXXX at the earliest and could not confirm that this would not happen in the future.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

The credit bureaus keep disrespecting the laws, i showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to the 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681i ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate I can go on and on The credit bureaus have no respect for the laws Someone needs to hold them accountable for this
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

My student loans were paid off/forgiven in XX/XX/2023 with XXXX. I received a letter stated that I have a XXXX  balance and no longer owe money to XXXX or Dept Education.
Consumer complaint received 2023-04-05
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: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2022-09-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (AR)

I was never notified about this debt prior to it being placed on my credit report the first or second time. I reached out to the company in late XXXX of this year asking them to validate the account. The account was removed in XXXX however it has been added back without notice and with a higher balance than before which is illegal and a violation to my rights as a consumer. I would like for this account to be removed from my report and I would like a statement from the company acknowledging the removal. I was not aware of this debt prior to the original placement I've given this company for over 60 days and still no proof of the account. I am providing proof of the inaccuracy in reporting amongst the three credit bureaus, the difference in the balances currently, as well as the letter sent to Hunter Warfield
Consumer complaint received 2023-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

The Credit Bureaus stated my accounts XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, was properly investigated and verified on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but how is that possible if the dates last updated is inaccurate, the close date is inaccurate, on all three bureaus have XXXX different years when they start reporting about the same accounts. When the accounts where in good standings so-called late payment dates are inaccurate or missing from XXXX, XXXX, XXXX. A collection that is inaccurate. XXXX violations total is XXXX, between the XXXX accounts. XXXX violation total is XXXX, between the XXXX accounts. Experian total violations total XXXX between the XXXX accounts. This is grounds for removal they also violated my rights under 15 U.S.C 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Consumer complaint received 2023-04-05
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: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-05
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: EQUIFAX, INC. (SC)

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # 517805XXXXXXXXXX, has violated my rights.

15 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 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Ive disputed this account with Experian for reporting several inaccuracies of payment history on my consumer report with them. Instead of removing and/or updating payment history, the original creditor XXXX XXXX XXXX XXXX XXXX XXXX account # : XXXX ) has just updated the alleged balanced owed. In accordance of U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. Ive made positive payment history that has not reflected on this account from XXXX. This creditor has violated this law, fraudulently reported inaccuracies on my Experian consumer report, not taken the lawful steps to correct these inaccuracies, and has caused many headaches in my goals to repair my credit history.
Consumer complaint received 2023-05-20
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: TRUIST FINANCIAL CORPORATION (GA)

Truist bank has open several accounts in my name checking and savings, these accounts are fraudulent I did not open any of these accounts, I am now asking Truist to settle this matter by paying for damages, my name and information has been leaked and compromised, this information was leaked on the dark web and my information was used to give you an idea, the IRS has informed here last year XX/XX/2022 a scanner filed a fraudulent tax return in my name and tried to defraud the us government out of thousands of dollars, now I have used a identity theft pin so the IRS can identify me, Truist bank needs to settle this matter and pay me XXXX dollars for damages this has done to mg credit and the use of my information that has been used fraudulently, if not resolved I can and turn this over to an attorney, either call and resolve or I will carry this and demand arbitration, ( I Will NOT SEND MY INFORMATION, social security number or drivers license won to happen in a victim of identity theft, resolve this matter before I take legal action, its Truist responsibility to understand that this is something serious to me because what it has done to me.