davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-24
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)

In accordance with the Fair Credit Reporting act the following companies have violated my rights : XXXX XXXX XXXX Account # XXXX 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
Consumer complaint received 2021-11-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (CO)

I have been trying to refinance and XXXX is sending a notification to XXXX XXXX that there is a " Credit Enhancement '' and I am getting declined. I have tried to get this resolved with XXXX for over 2 months now. They have confirmed that there isn't a " Credit enhancement '' but aren't able to get it removed from my loan. They sent a dispute to the credit bureau but it isn't on my actual credit report it is getting sent directly from them to XXXX XXXX. 
Last year, I was contacted by them to see if I wanted to go into Forbearance. I was promised that there would never be any negative impacts. Just to be safe I chose to do it but I was never even late on any payments throughout the whole time. If this is what is causing me to get declined for my refinance I feel like I was lied to. 
I have contacted XXXX multiple times, I have been hung up and promised calls back and haven't been able to figure this out. It has been over two months and now the rates have gone up and I am still trying to get my house refinanced so I am really frustrated with how they handled this. Nobody can seem to get this off of my current loan or tell me why it is there and it is costing me literally hundreds of dollars a month!
Consumer complaint received 2022-07-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Last XXXX, Chase bank changed my checking account without my knowledge. The new account charged fees ( $ XXXX ). This went on for a number of months-when they were confronted about it they admitted it ; but would only give me a partial payment of the fees they collected. Again, they never told me about what they were up to. Some people at the branch did not return phone calls. XXXX called me and said they sent out a letter ( I never got it ). I rarely use this account, so I did not discover it right away. I would like the money refunded about {$60.00} dollars.

Chase 's attitude when I threatened a complaint was that they could care less. They make their money through deceit. I think you should let the XXXX ( Chase XXXX ) let them know how they do business. Most of this happened in XXXX of 2022.
Consumer complaint received 2022-07-03
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. (NV)

In accordance with the Fair Credit Reporting act XXXX Account # 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. 
The following Accounts : Loan Lender : XXXX XXXX Loan Amount : {$28000.00} Account # XXXX
Consumer complaint received 2022-12-03
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: World Omni Financial Corp. (GA)

In accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15USC1681 Section 604 A Section 2 : It also States a consumer reporting agency can't furnish a account without my written instructions.

15USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (NY)

Few issues here : 1 ) I asked Chase to provide a proof they emailed me the preauthorization form that I requested on numerous occasions. As of now, I didn't receive their email. Please make them explain why they had to conceal my email address when providing me with the proof. I need to ensure that they have correct email address for me in their records. 

2 ) You stated that customers must notify you of any unauthorized activity involving debit card or any electronic transactions within 60 days of the first statement that the unauthorized activity appears on. You stated that for our claim number XXXX for debit card transactions with XXXX totaling {$750.00}, Chase only approved the claim for two of the transactions totaling {$61.00}. Chase denied the claim for the remaining transactions because they were not reported to them within the 60-day timeframe. 

On the claim number XXXX for debit card transactions with XXXX totaling {$370.00}, Chase approved the claim for all the transactions except for one transaction for {$12.00}. The claim was denied for the last transaction because it was not reported to them within the 60-day timeframe.

To make sure they only denied transections that were not reported within the 60-day timeframe, I request a list of all transection affected by the denial. They should include the date, amount and description of each transection.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello, the reason of my complaint is because i have submitted multiple letters to the 3 credit bureaus regarding the inaccurate and incomplete of the accounts. i have sent proof as well but i have not received not even onces a responds from them and this is the reason why i am submitted this complaint. i fee that they have ignore and i now i been sending the right information, right address, everything but no responses.
Consumer complaint received 2022-07-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (OH)

On Saturday XX/XX/XXXX I submitted a dispute for several fraudulent transactions with chime. I had stopped using chime back in XXXX of 2022 because I believed they were scamming me because of the money that was being taken out of my account without my knowledge and i had also had my phone stolen at work with my chime card and ssi & ID in the back of my phone case. I told them I believed thats how i was scammed for all of those fraudulent transactions that I disputed and also that money from my job had still been posting in my chime account after i had stopped using it because i was unable to change my direct deposit information with my job because i couldnt access my chime account anymore so I didnt have access to my routing and account number but i still had my card connected to my apple pay which I eventually stopped using because i was getting paid but most time my card on apple pay was declined because i was still being scammed out my money. Ive tried ordering new cards several time before I completely stopped using chime however the same thing was happening with each card and chime couldnt figure out how to stop it. 
A few days ago i tried to create a new chime bank account because i had completely forgotten about my old scammed chime account but that app prompted me to sign into my old account Chime told me that they would do a complete investigation and let me know of the results. 
However, on Sunday XX/XX/XXXX at XXXX i got an email from chime stating Hello XXXX XXXX XXXX This letter is to inform you that we have made a final determination regarding the claim referenced above. 
Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. 

I emailed them back for the documentation on how they did the dispute and verified the information was inaccurate. I also asked how is it possible that a investigation for 20+ transactions had been completed in less than 1 day. 
I truly believe chime did not do any investigation at all and that they lied about my investigation/dispute They have been unable to provide me with the documents and dispute information. In fact, they said id have to wait 10+ business days to receive that information in mail because they arent going to email it to me I found this very unfortunate. 

Here are my reference numbers for my disputes XXXX XXXX
Consumer complaint received 2022-07-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP (MD)

I purchased a vehicle that was per-ordered approximately 9 months ago from XXXX XXXX. When you pre-order you select the model you want and you agree on a price. Everything is streamed-line and done electronically and saved in your account. I signed and took delivery of car on signed for the agreed priced. Somewhere after the delivery on XXXX XXXX 2022. I noticed the issue upon setting up payment and the before the first month of the initial payment that the price of the vehicle changed after signing. 

The Bank : is US Bank. 

The car company is XXXX. 

In my investigation I found out that the price of the vehicle was increased on all vehicle across the board for all customer after I made my order and agreed upon the price, which was disclosed to me that would not affect me. I sign for the locked in price also whick was {$59000.00}. I brought this issue up with US bank then to XXXX, XXXX employees acknowledge the issue as there walk-in facility, but the issue has not been resolved. I went back to the bank and the bank refuses to correct the issue and continue to charge the higher price which is {$67000.00}.
Consumer complaint received 2022-04-24
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. (OH)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Consumer complaint received 2021-03-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (GA)

Back in XX/XX/XXXX I open a credit card with XXXX XXXX XXXX  with a {$500.00} credit limit. It was charged off in XX/XX/XXXX. I filed for bankruptcy in XX/XX/XXXX and I got the card to help build my credit back up. I ended up being out of work for little while and got behind. I moved in XXXX and got married in XX/XX/XXXX. In XXXX of XXXX, my son was in a very life threatening accident and was in the hospital for a while. In XX/XX/XXXX Midland Credit had me served at my old address for a judgement. My sister or someone claiming to be my sister happened to be close to the house and took the paperwork. When I was notified I went to the courthouse and signed the paper to request a hearing. Well my son was still in the hospital and I forgot about the court. So they filed against me. Midland, per their attorney XXXX XXXX  XXXX also filed for a FiFa to be placed on my property in XX/XX/XXXX, because they knew that I came off my bankruptcy in XX/XX/XXXX. So in XX/XX/XXXX Midland credit begin to report the debt on my credit as their debt. They are now saying that I owe {$1000.00}. My complaint is for the amount of time that the debt was placed in their office XX/XX/XXXX. They were pulling my information because they knew of the public records about the bankruptcy so they could see my new address and contact information. Also I have 2 open credit card accounts with XXXX XXXX right now. They use the the XXXX XXXX XXXX law office to collect their money and will not deal with the debtor. The XXXX XXXX  XXXX law office have random people calling and working on the case. And they are very unprofessional and will not return calls or answer emails. They even had an attorney from different area to step in on their behalf. My case number is Midland Funding is XXXX.
Consumer complaint received 2022-07-25
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. (TX)

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 U.S.C 1681. 

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 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681C. ( A ) ( 5 ) SECTION STATES : NO CONSUMER REPORT AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS.

15 U.S.C 1681 SECTION 604 : A SECTION 2 : IT ALSO STATES A CONSUMER REPORT AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2021-03-31
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (MA)

My lender keeps on lying and giving false information. I submitted an application for loss mitigation to keep my home but they stated the investor does not offer Modification that is why there was no review made. They accepted the application and now they are telling me that my application cant be reviewed when they clearly said that I have options. They are not helping me at all with situation. All I want is help to save my home and have my application reviewed and modified.
Consumer complaint received 2022-07-26
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. (NJ)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. The remaining items are listed below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXXXXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$7700.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-10-28
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: U.S. BANCORP (WV)

I was issued a pay card by my HR department through USBank Focus pay card. My card was deactivated on XX/XX/XXXX, for an unknown reason. When I contacted the company on XX/XX/XXXX to inquire why my card was rejected when trying to pay my car payment, they stated that it had been deactivated on the above date. I asked why and they were unable to provide me a reason and stated they would look into the issue and it would be resolved. I attempted again to pay a bill on XX/XX/XXXX and it was again rejected. I contacted the company on XX/XX/XXXX and was told to fax a valid photo ID to verify the card and the issue would be resolved in 1 business day, which I did. Today, XX/XX/XXXX, the card is still unable to be used and when I contacted the company they were unable to tell me if the fax of my ID was ever received and stated it would be about 5 business days after they receive the ID to process the complaint and fix the card. They have had almost 2 full weeks to fix the card and have yet to do so or are unable to provide me with any answers when I call to inquire about the situation. I am completely unable to use the card and my checks are direct deposited onto the card.
Consumer complaint received 2022-07-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (TX)

I have a lease with XXXX ( XXXX XXXX and they randomly charge my account for various amounts at any time they feel like doing so. They charged me XXXX on XX/XX/22 without any prior authorization from me. That isn't the scheduled amount I agreed to pay nor is it the day agreed upon for payment. I sent a text msg to XXXX on XX/XX/22 asking for the transaction to be canceled since its not authorized. They haven't responded. I called my bank to report the incident and a claim was opened. They then closed the dispute the next day stating no error had been made. Just because my card is on file doesn't give any merchant the right to access my funds on a whim. Chime bank refused to actually work this dispute.
Consumer complaint received 2022-05-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (CA)

My final Bill with XXXX was {$88.00} I had auto pay set up and I personally inquired on wether or not I needed to make my final payment before transferring my service to a different service provider. The representative I spoke with told me that the auto pay would still go through on the date it was set for. Well it didnt and I have relentlessly attempted to contact XXXX about my final bill. If you can imagine my surprise when this was put on my credit in the amount of {$180.00}. This amount is in excess of my final bill as I did not owe equipment fees or any other fees, just my monthly bill. I have since tried to access previous account information but XXXX refuses to allow me any access to previous billing history and once again I must star that I have not been able to speak to anyone about this. Now I randomly have Amsher Collection Service 's reporting this collection every month to the credit bureaus and it is affecting my credit derogatorily. My score literally plummets anywhere from XXXX points on any given day. Its causing me hardship. XXXX will bot allow me to access my account because it will prove I do not owe the amount being posted on my credit reporr.
Consumer complaint received 2022-12-19
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. (LA)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX : {$82000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX Balance : {$210.00} XXXX XXXX Balance : {$140.00} XXXX XX/XX/2021
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: Exeter Finance, LLC. (IL)

Exeter finance still has my car information on my credit report. It was paid off by my insurance company They also have a repossession on my report when in actuality my car was totaled. They also reported 30 and 60 day lates on my credit report while i was in the hospital. After I told them that my car was totaled. They were paid off
Consumer complaint received 2022-07-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd ()

I am having a terrible experience with WISE also known as Transferwise stating that they would have sent over my transfers on XX/XX/XXXX. I have my XXXX bills to pay which are going to be cut off within XXXX hours and I tried telling them that they should find out what the XXXX is going on with this transfer. Why is my transfer taking so long than the normal times I would have got it? It XXXX me off!!!!!!! I need this to be resolved immediately!!!! because someone is going to be reported. I swear if I know who is behind all these scams!!! God knows what I would have done.
Consumer complaint received 2023-06-12
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)

I have sent multiple letters disputing and asking for reinvestigation for inaccurate and unverifiable information on my consumer report. I have fraudulent inquiries on my consumer report that have to be removed as they are in violation of my consumer rights and have caused me actual damages due to being denied credit. Disputes or the reinvestigations were sent on XX/XX/2023 also on XX/XX/2023 and on XX/XX/2023 you are in clear violation of 15 USC 1681a 2 ( A ) ( i ) also in violation of 15 USC 1681 Violation for willful non compliant As well as 15USC 1681n Civil liability for willful noncompliance
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (MD)

Z I have banked at Wells Fargo Bank since XXXX  to never have a problem until I try to get a mortgage for my home I just bought in Maryland I had a credit card that was compromised and the bank canceled the card sent a new card with the debt of the old card. XX/XX/XXXXXXXX  Trying to attain a mortgage I was denied the mortgage because of one thing on my credit rating after going through some other changes with the bank I had to consolidate my bills While starting consolidating the same credit card that was supposed to been canceled and transferred to the new card showed to be still active. When trying to talk to Wells Fargo about it the bank became hostile and I didn't know what else to do. My credit was fine until I tried to get a mortgage other problems occurred in the banking service as well. 
I was turned down because of poor credit rating the one item on my credit report was a fraud claim my only loans are through the Wells Fargo I'm My only thought is to believe it's an act of discrimination any other problems I had was due to rules changing which cause major problems without notification of rule changing of disputing any kind of problem on your credit cards from two years to now a hundred and twenty days.