davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-30
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. (MD)

This will be the 4th complaint I have filed via CFPB against Experian for their negligent practices. I have also written them 3 letters disputing the item on my report marked US BKPT CT PA XXXX. I have requested on each inquiry/complaint that they provide proof of their method of verification, which they have FAILED to do. I have also sent them proof that they indeed could NOT have verified this item via XXXX XXXX as they CLAIM. I sent a copy of a letter that I received from XXXX XXXX stating that I do not exist in their database. Their refusal to provide supporting documentation to disclose their method of verification is willful con-compliance of FCRA Section 611. I have also notified them that they have FAILED to abide by FCRA because they did not mark this item as being disputed by me on my report within 30 days of receiving my initial complaint back in midXXXX of 2020. It is now XX/XX/2020, 3 months and 14 days later and it is still not noted on my report that this item is disputed by me, the consumer. I have also attached to this 5th complaint a copy of a letter directly from the clerk of courts stating that the courts do NOT verify public records to CRA 's. So if the claim is that they " verified '' with the court - that is a lie. I want PROOF!
Consumer complaint received 2022-07-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (PA)

I have a loan through Westlake Financial Services that was opened in XXXX of XXXX. The loan is for a XXXX XXXX XXXX XXXX. I had obtained this via XXXX XXXX XXXX in Pennsylvania. On XX/XX/XXXX at around XXXX EST I had called out to Westlake Financial due to an emergency and needing to see if I could have my XXXX payment deferred. After speaking with XXXX XXXX for a while he did agree to defer the payment and had me and him sign an agreement/contract stating my payment would be deferred. I had to pay a XXXX $ payment towards it and I did that. I was told via voice, and the print out of the contract that my payment for XXXX would be deferred and I wouldn't owe it until XX/XX/XXXX. I had figured everything was okay. A few days later Westlake called me saying I was late with my payment. I explained that I had been approved a deferral and I was told that was false I was not they had no idea what I was talking about. I asked to speak to a supervisor and was hung up on it. This has continued every day multiple times a day causing extreme anxiety and I have missed doctors ' appointments because of their harassment towards me in regard to this. I told them today that I had filed complaints because of this and the woman laughed at me telling me there is NO way I had a deferral approved. I do have it printed out, as well as downloaded. I am very upset they continue to call, and have told me that it will be reported as late to the Credit Bureau the XXXX. They also will repossess my car as of XX/XX/XXXX. I have no idea what to do at this point besides this, the banking XXXX and getting in touch with an attorney personally. I do know they have had plenty of lawsuits that they have lost for improper collections, inappropriate repossessions, and other crimes. Please help me stop them from bullying and scaring me.
Consumer complaint received 2022-06-15
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: JPMORGAN CHASE & CO. (CT)

This morning i checked my XXXX XXXXXXXX XXXX XXXX when a new inquiry For jpmcb card appeared on my account from XX/XX/XXXX. I never applied for a card through them.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, and XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$0.00}. 


If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

The credit bureau allowed Third party credit investigating bureaus To use my personal information and to file my right to privacy by revealing my financial and personal business for them to use to make a determination on my credit worthiness without my consent which is a violation of my right to privacy and is also identity DEF under the fair credit at consumer law. All consumers have a right to privacy and a right to have their consumer reports reported properly and used properly
Consumer complaint received 2019-05-21
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: AMERICAN EXPRESS COMPANY (MA)

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : AMERICAN EXPRESS, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX  AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX/XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT NAME : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX.
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (PA)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The XXXX Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed or deleted 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 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 2023-02-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (MI)

My personal checking account was charged monthly fees for about 1.5 years at $ XXXX, incorrectly due to Chase Banker fraudulently converted my account without informing me any information about the fees, giving me wrong information about my personal account was linked to my business account, so my balance was never low and shouldnt be charged any fees. 

I used to be XXXX XXXX XXXX XXXX ( XXXX ) client at chase, with all of my accounts linked, I was never charged any monthly fees. One day my private banker XXXX XXXX XXXX ID XXXX from XXXX MI office called me to inform that I need to deposit almost $ XXXX to my account to keep the status. I told her that it doesnt make sense for me to do that. Over the phone, she said I will just convert your account to a regular account, give me the impression everything should be the same, no fees since all of my accounts are linked, and the minimum balance requirement is low. Without explaining anything, she rushed to hang up and converted my account to Premium checking, which I had been charged $ XXXX XXXX since XX/XX/XXXX to XX/XX/XXXX. I was wrongly charged almost {$400.00} fees and I barely used the account. 

I talked to Chase in person at two branches and over the phone multiple times over this issue. I was told my business account and personal were not linked at all, if they were, the fees could have also been avoided. However I was still never provided any information regarding my account fees nor made them transparent to me. The branches were able to refund some of the fees. As of today XX/XX/XXXX, I am still owe {$120.00} of the fees from XX/XX/XXXX to XX/XX/XXXX. I would also like to receive cost of my time and gas to handle this issue {$120.00} over at least 15 hours, plus 5 % interests of the total fees charged to me. This will be {$270.00} in total.
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-08-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (MT)

I am a XXXX in my XXXX from XXXX, Montana, and am adjusting to managing my finances after my husband passed away. I have been a Wells Fargo customer for 48 years and currently I have a checking account, savings account, and credit card. The credit card is a Wells Fargo Active Cash which has XXXX liability advertised. 

On XX/XX/year>, I was the victim of fraud. The scammers hacked my computer and email account, locking me out of any notifications and two-factor authentication. They made several purchases on multiple sites. 

Several of the websites blocked the charges, ex. XXXX, immediately detected fraudulent efforts and froze my account. Several large, and obviously suspicious charges went through my Wells Fargo accounts. Wells Fargo refunded most of these charges and one of the vendors ( XXXX  ) refunded the charges. However, XXXX, a XXXXXXXX XXXX XXXX, did not refund the charges and Wells Fargo refused to refund them. I have never heard of XXXX or even understand what the website does. The charges that got processed were 2 charges each for {$4400.00} from XXXX and 2 charges each for {$2900.00} from XXXX. The XXXX  charges were refunded. 

I have made at least 4 formal attempts to work with Wells Fargo to remove the fraudulent charges with no success. I have included a detailed timeline in the attachments. 

I believe that Wells Fargo is intentionally making this very difficult, including hanging up on calls, providing wrong charge amounts in discussions, an excessive number of transfers during calls, providing incomplete responses, and dragging out the effort. They have started charging me interest on the fraudulent amount. I pay off all my real charges each month and no longer actively use the card. 

I have been trying to find an attorney to represent me, but many of the local attorneys in XXXX have worked with Wells Fargo and therefore have a conflict of interest and can not represent me.
Consumer complaint received 2022-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There is information on my account that is inaccurate. 
15 U.S.C states a consumer reporting agency can not furnish an account without written instructions. 

In accordance with the fair credit reporting the following accounts have violated my rights. XXXX ACCT 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 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 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
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: Westlake Services, LLC (NE)

In accordance with the fair credit reporting act WESTLAKE FINANCIAL SVCS 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 2022-06-10
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. (FL)

In accordance with the Fair Credit Reporting act XXXX 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 an account without my written instructions.
Consumer complaint received 2021-11-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (WA)

I had a large amount of GYEN in my Coinbase account. I tried to transfer it to another crypto, it failed. I tried again and it went through, but not for the amount I was shown would be traded. Everything else disappeared - I lost about {$8000.00} usd worth of XXXX into thin air. So {$10000.00} usd or equivalent in crypto seems fair. 

Lots of other people had the same or similar issues. 

If I go to the grocery store and a bag of apples is XXXX I get a bag of apples for {$5.00} - even if they meant {$15.00} If Coinbase showed me transferring from one crypto to another at one price, I should get it. So should everyone else who had these issues.
Consumer complaint received 2022-06-10
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. (GA)

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX  XXXX XX/XX/XXXX -XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : 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 -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } 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 an account without my written instructions.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance wi the fair credit reporting act, Credit collection XXXX  account number 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 an account without my written instructions
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I recently checked my updated personal credit report and I noticed unauthorized inquiries still remain on my personal credit report I contacted these companies and asked them to remove their inquiries from my credit profile. Below are list of unauthorized inquiries : XXXX XXXX XX/XX/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 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