davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-26
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. (GA)

I am very XXXX! My underlying reaction to the inaccurate thing on my acknowledge report sent as expressed in a previous message on XXXX. Today is XXXX. Commonly by law, you should react within 30 days. During these troublesome occasions, all of you have been given an expansion which I comprehend. In any case, it has been well over the augmentation period given. I have prompted you on in excess of 3 unique events. I am beginning to accept this is a slow down strategy on you folks ' end. I interest in your organization eliminates this blunder from my credit report or face case. In the event that you don't eliminate this off-base data quickly, I will document a formal complete with the FEDERAL TRADE COMMISSION! I am staying aware of the entirety of my reports and types of correspondence with you on this issue simply if there should be an occurrence of documenting a grievance with the FTC on the off chance that you keep on choosing not to participate. In Wenger v. Trans Union Corp., No 95-6445 ( C.D.Cal.Nov. 14, 1995 ), you will be considered answerable for your choice not to not consent. My family and I are being compelled to pay higher loan fees and denied by numerous organizations when attempting to buy important necessities to get by during this troublesome monetary period. In the event that your next reaction to me is definitely not a unique application with my mark on it or a letter expressing that the deceptive data that is infringing upon the Fair Credit Reporting Act isn't erased I will proceed with my FTC objection. As demonstrated by the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by government law to affirm, through the real check of the principal stamped purchaser contract, all records that you post on a credit report. Else anyone paying for your itemizing organizations could fax, mail, or email in a bogus record. I interest to see apparent proof ( i.e. : a remarkable buyer contract with my imprint on it ) that you have on the archive for the record recorded underneath. 

Your powerlessness to emphatically check these records has hurt my ability to get credit. Under the FCRA, off base and strange data must be erased from a customer 's credit report.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I bought a used vehicle through XXXX  on XXXX i believe and financed thru XXXX. 
I was paying the payments on time but XXXX was rough for me since i lost my business and it got shutdown and my financial situation shattered. My wife doesnt since we have a XXXX XXXX girl. 
So i called XXXX  because i was late on payment. I told my situation. The person understood and told me they will lower the monthly payment for 2 months i believe. not to sure. and they said it will go back to regular payment. And also they promised they wont report to credit companies as late payment. now that i have been working and making payments on time. To my surprise they did reported and it hurt my credit. They lied to me. and a week ago i texted and ask them to remove it since i am planning to buy my first house. I plead them N they said no. I m hopeless and helpless. Please help.
Consumer complaint received 2022-03-10
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: JPMORGAN CHASE & CO. (NV)

I was scammed by an impersonator pretending to be XXXX XXXX XXXX The criminals left 2 voicemails proposing a special promotion. When I returned the call, it went to XXXX which was really the criminals. The 1/2 price promotion was said to be a partnership between the above businesses and XXXX. I was to purchase {$480.00} in XXXX gift cards. I did and then the scam continued to say that XXXX was also part of this and it was another {$1600.00} using XXXX gift cards. I did this on XXXX, 2022, at XXXX XXXX XXXX  in the pm. Within 15 min. afterwards, I learned from my sister, living in XXXX, AZ, that this was a scam. I immediately called my credit card with CHASE bank, letting them know of the scam. The response was that the {$480.00} had gone through, but the {$1600.00} would not since I called them. On XXXX, I called Chase and was told again that the {$1600.00} would not go through and to report the scam to the police and to call XXXX with the gift card numbers for the {$480.00} only. I reported to the XXXXn Police Dept. & XXXX. ( I have verification and report numbers. ) But my further concern with Chase is that on XXXX, was that they allowed the {$1600.00} to go through and said their employee had given me the wrong information. Chase did nothing to keep the criminals from profiting. I filed a dispute, but nothing came of it. Again, I have all the details to prove all of this. The dispute got escalated, and I shared my disappointment with the Chase employee, but the situation was taken lightly and said the pending charges for the {$1600.00} was just automatically approved. This is very disturbing to me and cost me the additional {$1600.00}.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

Subject : Dispute of Account Removal - XXXX XXXX Accounts Dear To Whom It May Concern I am writing to formally dispute the removal of my XXXX XXXX  Accounts, specifically the account in the amount of {$1800.00} and the account in the amount of {$2900.00}. I believe that the removal of these accounts is in violation of the Uniform Commercial Code ( UCC ) and the Fair Debt Collection Practices Act as outlined in 15 USC 1692.

Under the UCC, parties involved in a commercial transaction are required to adhere to principles of good faith and fair dealing. The removal of my accounts without proper notification or justification appears to violate these principles. I have not received any communication that would warrant the removal of these accounts, and I believe that this action is unjustified.

Furthermore, 15 USC 1692 prohibits debt collectors from engaging in deceptive or misleading practices in the collection of debts. The removal of my accounts without clear communication or an opportunity for me to address the matter constitutes a violation of my rights under this statute.

I request that you provide me with the following information : 1. A detailed explanation for the removal of my XXXX XXXX Accounts. 
2. Copies of any documentation that supports this action.

3. Confirmation of my rights under the UCC and 15 USC 1692 regarding this matter.

Please consider this letter as a formal dispute of the removal of my accounts. I expect a prompt response to this matter, as I am eager to resolve it amicably and in accordance with the law. If I do not receive a satisfactory response within 30 days, I will be compelled to take further action to protect my rights.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-09-26
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. (MI)

On XX/XX/XXXX, XXXX XXXX Bank called me stating that they wanted to talk to me about a charge card that I had opened. I told them that I did not apply for a charge card. We determined that there was fraudulent activity, and someone tried opening a card in my name. The gentleman told me that he would deny the account and it report it fraudulent and put a freeze on it through XXXX. He also recommended that I notify the other credit bureau 's which I did. While looking at my credit report for all XXXX credit bureau 's, I noticed that on my XXXX report, there are XXXX hard inquiries, XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX that I did not apply for -- all of these are on XX/XX/22. I would like these all removed. I have put a freeze on my credit report to prevent further activity from happening.
Consumer complaint received 2018-12-12
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: Experian Information Solutions Inc. (NJ)

I am writing concerning my request that the above listed accounts placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. Experian, XXXX  and XXXX have willfully refused to acknowledge my request, using a stall tactic requesting MORE IDENTIFICATION INFORMATION. Yet they received all the necessary documents in my initial ID Theft Report. They also are disregarding FCRA time constraints on debt validation. 
THEY are all reporting XXXX XXXX XXXX XXXX/XXXX # XXXX This is a loan that is not mine and never has been.
Consumer complaint received 2022-09-26
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: JPMORGAN CHASE & CO. (TX)

its the chase credit card company ( chase bank ) they are asking us to the fradulent charges on my account XXXX last XXXX digits XXXX ), even though we reported fradulent charges and told them that we lost the card, we have called them several times but they are siply ignoring and asking us to pay regardless. 
as the credit card card aggrements, we do not have to pay the fradulent charges if they are not ours, its the law and in all fairness it should not be the case morally also.
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I've disputed several credit cards that were discharged in XXXX, and the debt was completely discharged, and every year the company resales the debt and places it back on my credit report with an updated date. I recently requested for it to be taken off my credit report and now it shows opened in XXXX which is absolutely not true. The company continues to allow these companies to put themselves back on my name and what happens it extends the length of how long debt will be on my name. 

Credit Cards : All Companies were discharged and no new accts were opened since that time, the companies were contacted from the BK XXXX Discharge court and the credit bureau report is saying the court documents are old their old because the discharged debt continues to be resold and dates updated each time i dispute with the incorrect date the acct was closed. 

XXXX XXXX Account was originally opened in XXXX and should show as closed and not in collections. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-06
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. (OH)

This is my second time disputing these accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : -XXXX XXXX XXXX # XXXX -XXXX # XXXX -XXXX  # XXXX -XXXX XXXX  # XXXX ( Medical ) -XXXX XXXX # XXXX -XXXX  XXXX XXXX  # XXXX
Consumer complaint received 2022-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BMO Bank, N.A. (NY)

I opened credit card account with BMO Harris bank in beginning of XXXX XXXX interface of that credit card site is very complicated and not easy to monitor your activity. 
As of today, XXXX my current balance that BMO want to take from me is {$1200.00}. 
But money that I ACTUALLY spend by using that card is {$1100.00}. 
Simple math based on posted amounts on BMO Harris bank gives {$1100.00}. 
This company fraudulently increases money that credit card customer owe to them. 
Please stop them to steal my money and force them to post actual usage.
Consumer complaint received 2022-10-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/22 I sent " XXXX XXXX '' {$400.00} through XXXX for a deposit on an apartment that I wanted to rent. Prior to me sending my money I called Chase bank to find out if anything went wrong with this transaction, if could I get my money back and the Chase representative told me yes, so I then proceeded with the matter. After doing a XXXX search to the property that was advertised on XXXX 's list, I found the number to the property management/broker in the window. I called the broker and they reported it as a scam and informed me many individuals were inquiring about the apartment, and the person who claimed to be the tenant was not registered as the occupant of the property. I tried to get a refund from this " scammer '' and failing to deliver my money back I called Chase to report the issue. After 10 days, Chase representatives said they were unable to recoup the money from XXXX and that they were unable to refund my account of {$400.00}.
Consumer complaint received 2022-04-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NV)

I submitted my loan application to Wells Fargo back in XXXX or XXXX. I was told to sell my existing primary residential home in order to qualify for mortgage from wells Fargo. I listed my house for sale trusting what I was told and sold it on XX/XX/XXXX. Finally I found a house in late XXXX and went in to contract with seller on XX/XX/XXXX. I submitted my loan application the following day and provided all requested documents and signed disclosures. Inspection and appraisal were done and waiting for a loan approval. I was notified by the loan XXXX that Wells Fargo is declining my application. Wells Fargo had my files for over 6 months and told me to sell my house and later declined my loan application. Luckily I had a very resourceful realtor who took me to a private mortgage company and got a loan and closed. The issue here is Wells Fargo made me sell my house in order to get a loan from them that did was denied later. I have a wife and XXXX kids. Wells Fargo almost made my family a XXXX. This is unacceptable and should nt happen to any borrower out there.
Consumer complaint received 2018-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MO)

Citicards called and wished to schedule a payment which i hold two cards with citibank. 
I specifically told the agent schedule both payments for Friday. They agent said yes but instead one charge was made for the same day and one setup for Friday. This caused a insufficient fee to my bank account and i called back to inform them to refund they money plus the insufficient feed which caused me financial harm. They stated they would not refund the overdraft charge.
Consumer complaint received 2022-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (FL)

Radius global solutions is a debt collector I am being charged two accounts that are not mine I am a victim of identity theft. 

XXXX XXXX on XX/XX/XXXX for {$2400.00} reference number # XXXX XXXX XXXXXXXX XXXX  on XX/XX/XXXX for {$610.00} reference number # XXXX
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Arbor Residential Mortgage LLC (NJ)

I had a loan with XXXX XXXX which was XXXX  XX/XX/XXXX. XXXX still shows the mortgage loan pen with a past due amount of $ 85,000+ and shows delinquency after the discharged date. It shows in XXXX still being delinquent. I need this fixed on my credit report ASAP XXXX/XXXXXXXX XXXXXXXX fixed their mistake.
Consumer complaint received 2019-03-19
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

I have been fighting all 3 bureaus for the past 10 year to get them to comply with the law. They openly refuse. They deny - claiming they have no ID info -which they refuse to keep on file. They deny claiming they have answered ( by providing ZERO information ) complaints-therefore they must not answer complaints on existing files which they must get paid by someone to continue to extort me on. They resell said dated info to make it reflect current- then UPDATE said info and entire files instead of removing ANY INFO. THEY DO NOT COMPLY but state they do - with FCRA/FCDPA and other laws. They only respond to YOU to release my files- ( I could be someone else ) by mail ( which has been intercepted ) and REFUSE despite USPS federal investigation to remove inaccurate information about me- concerning verification of my files to APPROVE ME as an editor on my own account. I have provided factual info- yet all bureaus refuse to acknowledge this. ALL BUREAUS track and intercept credit and other data ( stalking ) without my permission and continue to abuse me based on inaccurate data they have no intention to correct. bankruptcy is an extortion attempt on debts not legally owed.
Consumer complaint received 2022-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I have a checking account at Bank Of America. I made 3 transfers of my savings from XXXX to the USA, from this date the account was blocked. I have called the customer service, claims and fraud phone number monthly, and on no occasion was it possible to unblock the account. On all occasions I am told that they can not access the account, to call 72 hours later. Today, after speaking for 3 hours with the Department, the Fraud Department told me that it can not unlock the account and they recommended that I close it. They themselves passed me to customer service, who told me that they can't close the account because they don't have access to it. Therefore I have no solution and they have my money withheld. I have authenticated myself with passport number, telephone, email and address every time. I need a solution to my case. I can not attend the offices in the USA since I am XXXX, I need a XXXX, my current XXXX has expired, and my new XXXX  appointment is here in XXXX for 2024.
Consumer complaint received 2024-09-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lipsey, Morrison, Waller & Lipsey, P.C. (SC)

When I found out about this debt, I worked out an agreement with the collector to pay back the amount owed. I asked the company to allow me the Servicemember 's Civil Relief Act to reduce the interest rate. The company denied my request even though I submitted my active-duty orders via the email address I was given, XXXX.
Consumer complaint received 2022-09-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SIMM Associates, Inc. (MN)

On XX/XX/2022, I received a call from Simm and Associates in Delaware. I missed the call and a voicemail message was left. I returned the call to them immediately, but their voicemail system kept kicking me out. I knew what the debt was about even though I had never received notification from this company because I am involved in a dispute over a medical bill. When I returned the call the following Monday, I gave my telephone number and name, but due to the fact that I was unwilling to provide any additional details to them, they refused to talk to me. I told them that this was fine, that they could send me a letter and I would respond in writing as I knew what it was about and it is in dispute. The lady I spoke with said that she was not sending me a letter. I advised her that I knew she was required to send me a letter within 5 days of our communication to which she replied we did not have a communication because I would not verify my address. I advised her this was a communication, I told her who the debt was owing to and that I am disputing it and that I expect to received my written notice. She would not confirm or decline sending me a notice. I then contact the company I was disputing with again, and after several additional phone calls and a complaint to the Civil Rights Bureau, they advised me that on XXXX they have written the bill off and would be notifying the collection agency of this. I then called the collection agency to verify that it had been written off. Once again, I verified my name and telephone number and in one of the calls I even verified my date of birth, but because I wouldn't disclose my address, they would not discuss the bill with me. As a matter of fact, the gentleman I spoke with hung up on me. I called back 2 additional times and was hung up on again. I called back a 4th time and asked to talk to a supervisor or manager and after arguing with me a bit, the wiman I was speaking with finally transferred me to a manger. Again however, this party refused to discuss it with me. I advsed them at that time that I knew my rights and that I still have not received a written communication from them and that I would be contacting the CFPB.
Consumer complaint received 2022-04-20
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX NA XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, has violated my rights 15 U.S.C section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s- @ ( 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.