davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-06
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (TX)

I have filed a dispute with XXXX, and XXXX on multiple occasions and they have not been able to successfully verify this debt. My wallet was stolen and this card was used leaving me with a balance {$2300.00} it has now been charged off as bad debt.
Consumer complaint received 2022-12-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (CA)

I have attempted to make payments online but due to the fact I am considered behind, the online system DOES NOT allow payments. You have to call an agent and make a telephone payment, sometime difficult. I have tried doing a remodification, made the payments but told I was defaulted and payments would not be accepted. 
I have attempted ANOTHER re-mod but was told my income is " insufficient '' ( even though my yearly income is $ XXXX ) and was not given any explanation or proof as to why they consider my income insufficient. 
I believe their practices are ensuring my account goes to foreclosure or short sale
Consumer complaint received 2022-05-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-02
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC. (IL)

Lease was funded using a fraudulently signed " Standard Buyers Order ''. I was never presented with this document while obtaining the lease, never signed this document, and explained this to XXXX over the phone in reference to COMPLAINT ID XXXX. All signatures and initials on this document do not match my own.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IN)

I am the beneficiary of an inherited IRA account. The account is at JP Morgan/Chase and I want to transfer it to an inherited IRA account XXXX XXXX XXXX where I have other accounts. I started this process with JPM/Chase on XXXX XXXX by completing a traditional IRA Distribution request by Beneficiary. The XXXX at the bank contacted JPM/Chase to make sure all the correct documents were completed. The application was sent on XX/XX/2022 and they advised that it may take 7 weeks to process. 

On XX/XX/2022 I called JPM/Chase to check on the progress of the application and was informed that they needed 2 pieces of information : the decedents SSN and my birthdate. This information had already been provided on the application. The representative advised me that they would expedite the application. 

On XX/XX/XXXX I called JPM/Chase again and they advised that the hold up was with XXXX XXXX XXXX XXXX advised to fill out another transfer application. I did this and sent the application and a copy of the latest inherited IRA statement to XXXX on XX/XX/2022. 

On XX/XX/2022 I called XXXX and asked the status of the transfer and after researching for about 10 minutes they advised that they needed a copy of my signature and the latest inherited IRA statement. 

On XX/XX/2022 I went to the local XXXX XXXX and talked to XXXX XXXX who called Chase XXXX XXXX. We had a 3 way call and XXXX decided they didn't need a copy of the statement, only my signature. Then JPM/Chase decided they needed more documents from XXXX so I completed a " Transfer your Account to XXXX '' application. The Chase representative said that if everything was in order I should receive the money in 7 days. I went to the Chase branch and they faxed the XXXX document to Chase XXXX services. 

On XX/XX/2022 I called JPM/Chase to make sure they received the information and that they did not need anything else. I was advised that they did get all the information and that it would take several weeks to process. 

This constant request for duplicate and additional information and weeks to process any document is ridiculous and I believe intentional. Days and weeks have turned into months and JPM/Chase does not want to transfer the money to me and I suppose hopes that I will give up and let them keep the money. 

Can you please help me complete the process and find out why JPM/Chase will not transfer my money to XXXX. 

Thank You 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: Experian Information Solutions Inc. (IL)

On XX/XX/2022 I submitted information in regards to inaccurate information being reported on my credit report. I was also informed by the US Bankruptcy Court of Chicago that they do not report any information to the Credit bureaus in regards to a consumer. I ( the Consumer ) haven't given any written permission for anyone including XXXX, Experian and XXXX to report any of the items listed in this report on my credit report according to 15 US Code 1681B therefore my character as a consumer has been violated and tournished. There was no proper investigation taken by no credit bureau to verify this information and it has been more than 6 months since I first reported it. PLEASE REMOVE FROM MY CREDIT REPORT OR I WILL HAVE TO TAKE FURTHER ACTION. THIS IS AGAINST THE FCRA AND MY CONSUMER RIGHTS ARE BEING VIOLATED. I WILL IN ADDITION REPORT THIS FRAUDULENT ACT TO THE XXXX AS WELL.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bull City Financial Solutions, Inc (FL)

Many concerns : A collection company representing XXXX XXXX XXXX XXXX XXXX keep calling me with information that an account ( s ) were open in my maiden name ( XXXX  ) a few years ago. I have asked for this information and reported as inacurate and incorrect. This is not my debt. They harrass me day in and day out over this XXXX XXXX XXXX keeps asking for more money representing XXXX XXXX. I have paid balances and they keep calling with new balances This was already paid for. 

Bull City Financial representing XXXX XXXX which was paid XX/XX/2022 in full but never removed from credit reporting from collection agency as promised. 

XXXX XXXX - XXXX which was paid in full a long time ago and disputed transaction from a companty called two men and a truck. I have no knowledge of but they keep calling me to pay. 

XXXX XXXX stating I owe a balance {$4200.00} which was paid in full XX/XX/2022 and I have received a paid in full letter numerous times and a title to the item purchased, stating im the sole owner. I keep calling them to remove the debt from my credit and all they do is apologize for the error. 

XXXX XXXX- I have TWO credit accounts from XXXX XXXX AND XXXX since XX/XX/2022 but they are not reflecting on my credit as on time payments or ownership on these credit accounts. I call them to confirm they are reporting to the credit companies but nothing happens. They keep saying its an error. 

I call to remove closed accounts from my credit but those companies do not anything. 
I also wanted the hard inquires and bankruptcy removed but when i call the reporting agency they just put me on hold and nothing happens.
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. (GA)

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 2022-11-01
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NCB Management Services Inc. (MI)

Please be advised, to my knowledge and recollection, I do not have any type of direct or indirect business relationship from which goods and or services were exchanged with your company. I have never conducted business transactions or signed any contract and or agreements with your company. I have never initiated or agreed to pay any amount associated with such an account created by your company from which any debt is owed and therefore dispute any debt you say I owe your company. 

On XX/XX/XXXX NCB Management Services called my cell phone without my prior consent. The employee failed to state that he was a debt collector, along with the additional disclosure required by law. The employee explained that the account was sold to NCB by XXXX XXXX in regards to a XXXX XXXX XXXX. I told the employee that I didnt have a XXXX XXXX XXXX. I requested the contact information for the finance company and the call ended after I received that information. 

On XX/XX/XXXX, NCB called me again, this time at XXXXXXXX XXXX by an employee named XXXX XXXX. XXXX XXXX did not make the proper disclosures as required by law. I explained to XXXX XXXX that he was calling me at an inconvenient time and he replied that it wasnt against the law for him to call me at XXXX in the morning. I became very upset at his tone and XXXX XXXX raised his voice and told me that my account with XXXX XXXX was not going away! I tried to explain to him that I didnt have an account with XXXX XXXX XXXX XXXX XXXX then stated that NCB called me the previous week about this debt. I informed XXXX XXXX that NCB didnt have permission to call me last week and they didnt have permission to call me that morning and the call ended. My heart was racing and I was very upset.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.
Consumer complaint received 2022-08-19
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. (NY)

According to section 604 ( a ) ( 3 ) of the FCRA which states a company using a disclaimer as reason to place non public information without my written instructions on my consumer report is against federal law and violates my privacy. In addition, the reporting of this account also violates 15 USC 1681i as this account is being furnished both inaccurate and incomplete. TRANSUNION has violated my consumer rights by reporting personal nonpublic information that belongs to me.I DID NOT give XXXX written instructions at any time to report The following XXXX account is being reported on my consumer report without my written consent. the CFPB STRICKLY prohibits this Behavior in accordance with federal law. Please see the attached invoice and affidavits for the following violations.
Consumer complaint received 2022-04-30
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. (MS)

In accordance with the fair credit Reporting act 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 XXXX XXXX XXXXXXXX ACCOUNT NUMBER- XXXX
Consumer complaint received 2022-07-24
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I called Bank of America on XX/XX/2022 to dispute a fraudulent change on my credit card for XXXX for {$130.00} that was showing as pending. The charge posted to my account on XX/XX/2022 and appears on my statement as such. 

The service agent assured me that the charge would be investigated as fraudulent if and when it posted to the account. 

I received a claim resolution letter dated XX/XX/2022 that states the charge never posted and that my claim is being resolved with no action taken. 

This is incorrect as the charge still appears on my statement. I am not nor have I ever been a customer of XXXX and did not know what this company was until I saw this fraudulent charge. I was not issued a temporary credit while the claim was investigated and the resolution of my claim is factually incorrect, the fraudulent change remains on my statement despite my claim being resolved for {$0.00} with a letter that it never posted to the account. ( reference claim number XXXX. 

The handling of my claim has been and remains in breach of regulation E of the CFPB and Bank of America failed in it's responsibility to investigate reported fraud. Even now when I attempt to dispute the charge online I am told to call, only to be told that service is unavailable when I attempt to reach Bank of America.
Consumer complaint received 2022-12-02
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. (TX)

EXPERIAN XXXX. IS REPORTING ADVERSE, INACCURATE, FRAUDULENT INFORMATION TO XXXX XXXX XXXX REPORTS AND THE CONSUMER IS INCURRING INJURY OF DEFAMATION TO THE CONSUMER 'S CREDIT REPORTS AS WELL AS PHYSICAL, MENTAL PSYCHOLOGICAL CONSUMER IS IN DISPUTE OF ALL NEGATIVE INFORMATION! THERE WILL BE NO AGREEMENT UPON ANY ADVERSE INFORMATION WITHOUT MY CONSENT BEFOREHAND! AS WELL AS FINACIAL DAMAGES WITH INVASION OF PRIVACY 15 U.S.C. 1681 A4, NON REMOVAL OF NEGATIVE INFORMATION WHILE UNDER INVESTIGATION - 15 U.S.C. 1681IA [ 1a ] as well as FALSE IMPERSONATING OF ADVERSE COLLECTORS IN VIOLATION ADDED TO THE CONSUMER 'S REPUTATION AS AS A PRIME CONSUMER INDUCING NEGATIVE CREDIT RESPONSES. THE. CREDIT AGENCY KNOWN AS EXPERIAN IS ENTIRELY RESPONSE AS INDUCERS OF ADVERSE PARTIES WITHOUT CONSENT OR CONTRACT BEFOREHAND! THE CONSUMER 'S " CREDIT WORTHINESS SHALL ALWAYS BE AT " MAXIMUM ACCURACY POSSIBLE '' AS GUARANTEED BY FCRA, FDCPA, FTC, DODD - FRANK ACT. I AM " JUDGEMENT PROOF '' ADVERSE PARTIES WILL BE CALLED TO FEDERAL COURT UNDER 15 U.S.C.1681 AS WELL AS FDCPA & FTC VIOLATIONS!! DELETE ALL PARTIES!
Consumer complaint received 2022-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ENOVA INTERNATIONAL, INC. (AL)

To whom it may concern, I attempted to extend my credit for {$20000.00} on XXXX XXXX, 2022. The Truth in Lending Act pursuant to 15 U S. Code 1601 ; it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
I am aware of your company 's discriminatory practices, as well as your unlawful and unjustifiable means when making decisions. I performed a consumer credit transaction and was denied my right to an extension of credit through you ; creditor after applying in good faith which violates 15 U.S. Code 1691 ( a ) ( 3 ). A transaction took place using my credit card as per 15 U.S. Code 1602 ( l ) and I the consumer never benefitted which violates 15 U.S. Code 1602p. 
As a consumer, I am protected by XXXX XXXX Chapter XXXX. Pursuant to 15 U.S. Code 1692c ( c ) ( 3 ), I am hereby invoking my specified remedy as a consumer and the original creditor : 1. Grant me my right to an extension of credit.

2. Report all payments as paid in full, satisfied.

3. Deletion from all consumer reports. 
Failure to honor the demands provided within 14 days of receipt of this notice may result in litigation. 

Kind Regards, XXXX XXXX Without Prejudice XXXX XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2022-11-01
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX. I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-27
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-27
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-27
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-10-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.