davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-04
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 XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (FL)

I have been dealing with this issue since XXXX of 2020 when I paid off my car. I spoke with XXXX at CAC yesterday as well as a few weeks ago and she advised me that CAC reports MONTHLY to all of the credit burreaus. I called XXXX  ( I pay for the service, it's not through a third party like XXXX XXXX ) and it shows that they have not updated my credit file since XXXX of 2020. I've contacted them severly times regarding this, asking for clarification on why it wasn't reported, ask to speak to a supervisor to which I'm sent to collections even though my account is paid and full and closed and I get told there is no credit reporting department contact number, no headquarters number and I just have to wait. 

I have submitted TWO inaccurate credit report documents from CAC 's website. Both of which are " lost '' and they just sent me out another one. 

I then filed a dispute directly with XXXX  containing the Paid in Full, lien electronically released letter from CAC and XXXX  went to CAC to confirm the information and CAC told them that I was past due XXXX and 90-120 days late on payments which is inaccurate. 

I want this addressed ASAP and I would like CAC to be fined for FCRA violations and my credit filed updated ASAP.
Consumer complaint received 2022-05-03
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: EQUIFAX, INC. (PA)

in accordance with the Fair Credit Reporting act 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 XXXXXXXX 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
Consumer complaint received 2023-09-18
Product: Credit 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. (FL)

On XXXX, I purchased a XXXX  XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX XXXX Florida. At closing Dealership Representative XXXX XXXX sold me an aftermarket warranty which is called ( XXXX XXXX CONTRACT ) for {$880.00}. The contract agreement clearly states, " If you cancel this Service Contact within 60 days of the PURCHASE DATE, a 100 % refund of the service contact price will be made less any claims paid on the service contact. On XXXX, I responded back to the dealership to cancel the contract. The representative XXXX XXXX was verbally abusive and refused to cancel the contract. I then disputed the {$880.00} from the {$5000.00} deposit that I placed on the vehicle. I showed proof of the service contact agreement to my Chase Visa credit card company. However, Chase denied my dispute.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2020 I sent a letter regarding inaccurate items on my credit report. It has been over 45 days and I have yet to receive a response. I feel as though my complaints are not being taken seriously and I am being ignored. Section 611 ( a ) states that a faliure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 45 days so this should be rectified promptly. I am asking that these accounts be deleted immediately or I will file for litigation due to the stress they have caused. My information may have been impacted by numerous data breaches and gotten into the wrong person 's hands.
Consumer complaint received 2021-06-02
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)

There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.
Consumer complaint received 2020-07-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NY)

five times already I have spoken to the bank on the phone and in person at the local location and it took 10 hours total and I'm trying to close this account. Every week they either freeze my account or disappears and my debit card doesn't work. I have tried in person and on phone so many times to fix this and I want my account closed and I don't want any fees assessed my account being this is my first month and my {$3.00} balance refunded back to me.
Consumer complaint received 2022-04-14
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. (NC)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2021-02-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BofA frooze my XXXX prepaid account after i reported a XXXX dollar transaction that i did not make. I tried to call them several times to fix it. I still have not got any of the money back and theyve also kept the XXXX i still had remaining and the next deposit of XXXX that XXXX put on there.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Hello I would like to see my original contract, pay off disclosure, interest rate disclosure, balance history, payment history, and credit insurance for all of the inquiries below.. Ive sent out priority letters out to all of the credit Bureaus, stating inaccurate information on my credit report, and informed them to send me back proof of the accounts ownership and accuracy of them and I have not received anything back yet, 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 -- -- promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on results or the reinvestigation ; I also asked for them to send me the correct info back via mail and they didnt. This has ruined my credit for years now of inaccuracies and im ready for it to be properly handled, the accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (SC)

I deposited a check to my Chase account for XXXX from a job i recently completed. Three days later I called to check the status. CSR told me it was on hold and " I could thank the people who do fraud for the wait ''. I called the person who wrote the check they confirmed that the money had been released from the account and i should have it. Along with that they sent me picture of the amount deducted. Contacted the bank again was on hold for an hour just to be told that the check was confirmed as a fraudulent item and my account had been closed. Ive banked with Chase 10 years and have never had an issue no explanation was given and was treated so bad. Not only because of the times we are going through but to be accused of doing fruad is something very serious.
Consumer complaint received 2021-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/2021, I received a text from Wells Fargo that there was " unusual activity '' on my account with a corresponding link. I clicked the link, but was asked for my credit or debit card info. I assumed this was a scam and exited out. Person B also received a similar text on XX/XX/2021. Person B also clicked the link but assumed it was a scam and did not enter any information. My Wells Fargo bank account did not demonstrate any unusual activity, so I did not pursue the issue further at this time. 

Later on XX/XX/2021, I had received an email that I had sent {$3400.00} via XXXX from my Wells Fargo bank account to a XXXX account belonging to Person B. Person B claims to not have a XXXX account and did not receive the funds. I filed an official Fraud Claim with Wells Fargo to refund my stolen funds. However, on XX/XX/2021, I received a letter from Wells Fargo denying my fraud claim and stating that the {$3400.00} transaction was made by me or someone with my authorization. This is false, and I did not make this transaction nor did I authorize anyone to make this transaction. 

On XX/XX/2021, I called the Wells Fargo fraud department to request copies of documents that Wells Fargo relied upon in making their decision and also to escalate this claim to a supervisor, as Wells Fargo 's conclusion is false. I have this conversation recorded as well. The Wells Fargo employee refused to give us a complaint number and simply told us that we should wait for a return phone call in 10 business days. The Wells Fargo employee also hung up on us prematurely without giving us an opportunity to clarify other information. We have the name of this employee, but have withheld it as no personal information should be entered in this box. We have no official documentation to verify that we have escalated our claim or that we have requested the aforementioned documents. 

Our bank account log in information and account numbers have been changed to prevent further fraudulent activity.
Consumer complaint received 2022-12-09
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. (NC)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (VA)

I opened an account through XXXX, who uses TDBank, for a payment plan on my Cell Phone. The first 3 month 's payments went through fine, then the next two months did not go through. I was not made aware of either of these not going through until the next month I noticed that I had more money than anticipated in my bill pay account. I researched and discovered the issue. I called XXXXTDBank who informed me that my account number was not correct and so the payments were rejected. The operator and I fixed the system error and made the payments in one larger payment. I realized that it may effect my credit statement, and so inquired about that not being shown as a late payment because of this system error ( and it was an error on their side seeing as my first 3 payments went through just fine ) - I was told that it shouldn't show up. So when it did, as I was applying for a home loan, I called back asking to get this corrected. I was told that they would not change the information, because the payments were late. This despite their system error, which messed up my account information, my attempts to make payments, and their system 's lack of notification telling me the information was incorrect/payment was not received. 

I made several attempts at having them remove this error on my report, but they refuse to cooperate despite my making the payments.
Consumer complaint received 2020-08-25
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC (FL)

Please review Summary of Facts exhibits A, B, C and D and new discovery on the XXXX XXXX Property Appraiser and Government agencies report. Sorry I written on the exhibits just to explain documents if you want exhibits without the writing of explanation I can send copies of exhibits without the writing on them.
Consumer complaint received 2022-07-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

On multiple occasions we have found our loan officer to be dishonest, misleading, and generally unprofessional. We have complained to his manager and his manager 's manager about assigning a different loan officer to our file. Our loan officer, XXXX XXXX, says he has put in countless hours to our file and is not leaving. 

Our loan officer at Chase XXXX XXXX XXXX ) made misleading and, in some cases, false statements about a number of issues over the course of my wife and I attempting to qualify for a new purchase. These misleading and false statements include : 1 ) Saying that we needed to put down 20 % as a down payment because the county we were buying the home in ( XXXX XXXX XXXX Nevada ) was under COVID restrictions ; once the restrictions were lifted, we would be eligible to put down 10 % - 15 %. 

2 ) Saying that because we had a large available credit balance in our HELOC with a different Bank ; Chase underwriting viewed the entire available line of credit as if it was USED ( monthly payments being made by us on the entire balance ) and would calculate monthly payments to the HELOC lender using the highest allowable interest per contract with lender ( rate fluctuates with prime interest ) and the full balance of the line of credit, which made our Debt-to-Income ratio unfavorable. We needed to refinance the current mortgage on our home, and considerably reduce our line of credit ( reduce line by 74 % ) to qualify for the loan. 

3 ) Saying that Chase underwriting viewed the loss on rental property for one year would show as an additional expense of $ XXXX. It did not matter if the rental property was held in an LLC, or if the loss was due to adding back depreciation on the property and we had positive cash flow for that year. 

4 ) Providing incorrect expiration dates for the initial rate lock period. 

5 ) Three weeks before the expiration of the initial Rate Lock Period, Loan Officer asked if we wanted to extend the rate lock for - 15, 30, 45, or 60 Days ; as we moved closer to the expiration of the initial lock period, we asked our loan officer for a 60 Day lock and was then told by our loan officer that Chase no longer offers rate locks for more than 30-days. This will force us to purchase two or more rate locks from Chase instead of one. 

6 ) After almost a year of back and forth, our home is near completion and we are moving toward closing on the home ; now Chase is saying that due to the additional options ( which they were aware of ) we need to put up more money, approximately 24 % instead off 20 %, which is an additional $ XXXX. 

7 ) Loan officer took an action ( without consulting us ) that he knew could possibly have our loan suspended and then attempted to cover it up by saying that we told him to take that action.
Consumer complaint received 2022-06-11
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: DISCOVER BANK (GA)

My son has been partaking in the after school program with XXXX XXXX XXXX XXXX XXXX XXXXXXXX in XXXX, Georgia during the second half of this school year. A couple weeks into his enrollment, he began describing incidents of XXXX XXXX  by other kids at the center that weren't being addressed by the staff. This eventually resulted in my son XXXX XXXX assaulted on the bus to this program and continued as XXXX XXXX  by other kids at the center itself. When I brought up these issues with the staff, I was met with hostility from the CEO and when I asked to just be refund refunded for the {$50.00} we had prepaid for the upcoming month of service that had not begun yet I was told they don't do refunds and was physically removed from the property. I disputed this charge with discover, as I made the payment with this card, but my claim has been denied based upon what is in my opinion an unfair policy. I hope to get this resolved as I do not feel it is right that I have paid for a service I never received and am unable to redeem at a different location.
Consumer complaint received 2021-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2021 I sent a letter regarding inaccurate and invalid information on my credit report. Its now over 35 days later and I haven't received a response. At this point I feel my disputes are being ignored. Section 611 ( a ) states that a failure to investigate disputes within 30 days gives reason to immediately remove the information from my credit report. It has been over 35 days therefore the information should be deleted immediately. This information has caused me unexplainable stress and if information is not deleted immediately I will be forced to file for litigation.
Consumer complaint received 2021-06-21
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: Medical Data Systems, Inc. (FL)

Medical Data Systems XXXX XXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.