davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-17
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (NJ)

My Mortgage is serviced by XXXX XXXX XXXX Suposedly owned by XXXX XXXX XXXX XXXX as trustee For XXXX XXXX loan trust XX/XX/XXXX-XX/XX/XXXX My loan was originated with Wash Mutual Bank  XXXX in XX/XX/XXXX My loan was sold to XXXX XXXX by WAMU   XX/XX/XXXX Chase purchased WAMU in XX/XX/XXXX from FDIC Chase send letter they are now the " investor '' in the loan ( NONE ) of these transfers are recorded as is Required by law in NJ In XX/XX/XXXX- Chase assigns my loan acting as power of attorney from FDIC according to purchase and assumption agreement that took place in XX/XX/XXXX How do you by a loan from FDIC on XX/XX/XXXX that WAMU  sold on XX/XX/XXXX Chase retained certain documents as loan servicer that it used to perpetrate this fraud Both XXXX   and Chase refuse to prove ownership of my loan
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IN)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2020-03-23
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. (TX)

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found items that are not mine. I have contacted the FTC and my local police. Im doing this on my own and These items need to be deleted from my credit report XXXX XXXX and inquiries that are not mine 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.
Consumer complaint received 2020-02-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC (CA)

I have contacted the company multiple times through written communication advising them this debt was open due to identity theft. I have not received any correspondence from the company since I started contacting them 5 months ago. I discovered this debt by viewing my credit report this company never sent any correspondence to me for this debt. I have asked for a copy of the contract in question for 5 months now with no response. I have asked this company to delete the debt off my credit as it is in violation of rules under the fair credit reporting act.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd par
ties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OR)

I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for account the following is completely accurate. It's strange, you did a full investigation to verify the accuracy of this account due to the fact that you continue to report the wrong information. 

It is frightening to think that you did not do as you are governed by the Fair Credit Reporting Act and that other consumer might be affected Having this type of information on a person 's a credit report is unfortunate and severely damaging, but having incorrect damaging information on a person 's credit report is unacceptable. 

Please forward to me the name of the person you spoke with at the accounts listed and the date that you spoke with them. I also want a confirmation of the address and phone number for the company.
Consumer complaint received 2020-02-17
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: Comerica (TX)

12 days ago I discovered that my Direct Express Debit Card had been hacked and every single penny was gone. I spent 2 hours on hold before I was finally able to speak to someone. The thieves stole over {$8600.00}! All the purchases were made in Washington D.C., Virginia and Maryland and we live in Texas. This money is for my XXXX XXXX granddaughter. It's her survivors benefits from the loss of her Mother in XXXX. I had saved the majority of her funds so that she will be financially stable when I am no longer on this earth to care for her. I have heard absolutely nothing from Direct Express. I called them again on XX/XX/XXXX and spent another 2 hours to just get a standard spiel from the person on the phone. I was under the impression that they only had 10 days to return the funds. Please help us to resolve this issue. I went to Social Security and her funds will now be deposited into a bank account. I have read so many horror stories about this company! Why does the government still use them! I rarely use this card so I know the number had to have been obtained through Direct Express.
Consumer complaint received 2020-02-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Recently, Paypal decided to close my account that I've had with them in great standing for several years out of the blue and without a warning. Paypal is notorious for doing things like this as I have uncovered from other people 's complaints. In my case, they approved me to get paid out right away which is a privilege to have with this company and only reserved for the customers who are in good standing with this company, I believe it's called funds now. Which confirms the fact that I have a great track record with them. However, a few weeks ago, I go to log into my Paypal account and wouldn't you know it, I get a message telling me that I have violated their terms and/or conditions and that they no longer wish to do business with me. Why????? Why Paypal???? How about an explanation about why you would treat a long standing great customer such as myself like this all of a sudden? I have done nothing wrong or out of the ordinary and you drastically shut me done and treat me like some kind of infectious disease. This is unacceptable! 
The only transactions that I have recently done on my account around this time was to receive rent payments from a guest chef that was visiting from XXXX to open up a new restaurant in downtown XXXX. He stayed with me for a couple of months while I rented out half of my apartment to him-Legally! And the other transaction was to receive payment for a cell phone that I sold to someone from XXXX that came to my home and picked up the phone and could only pay me by sending it through your service to my account. That's it! So, you want to tell me now how I have violated any of your terms and conditions in any way with these transactions?? Enlighten me please. Or, can you tell me what was unsafe about either one of those transactions? Nothing! They were all legitimate and normal transactions and for you to close my account just like that for conducting these normal transactions or without any warning is wrong and unprofessional. My login user id for this account is : XXXX XXXX
Consumer complaint received 2023-02-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Around XXXX to XXXX of 2022 a fraudulent bank account was opened with Bank Of America and when I discovered the situation and reported it to the FTC and put a freeze on my credit and also the XXXX XXXX Bank of America XXXX XXXX XXXX XXXXXXXX XXXX denied my claim of fraud even when I told them I never opened it and never did the deposits into the account. I requested the account be closed and put a flag of fraud in their system so that it wouldnt happen again and they sent me a letter stating my claim of fraud was denied. How can they deny my claim when I distinctly told them that wasnt me doing those transactions and also I made a report with the FTC and reported that I gave them and other banks that had been opened fraudulently. They sent me a letter saying they want all this information but where was this when the account was opened. Why did they let these people who opened the account fraudulently be able to make deposits and open an account without proof of who they were. What happened to signature cards and proof of identity before being able to do such things. I want the account ending in XXXX to be closed and no more opened. XXXX XXXX and XXXX XXXX didnt give me this much problem at all. Bank of America needs to close the account and I am calling the Federal Reserve about them too. Bank of America is aware the account has been reported as fraud but isnt doing anything about it. Why would I send them my IDs and other information when they clearly arent protecting my information or identity
Consumer complaint received 2024-10-09
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: Experian Information Solutions Inc. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-10-18
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. (GA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-02-17
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. (AR)

I was needing to move out of my apartment complex due to bad maintenance. I applied at a new complex and I had to get my credit pulled to see if I could get into the apartment. During the discussion I learned that I was not able to get into the apartment due to some derogatory items that do not belong to me. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$2100.00} XXXX AR XXXX {$0.00} XXXX AR XXXX {$230.00}
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (VA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MD)

To whom it may concern ; Upon reviewing my credit reports I found a surmount of inquiries on my credit report in wnich i did not authorize. I had a preapproval from a lender already and instucted the dealer to NOT run my credit. As you can see from the listings below - they did anyway and as a result I have many ' inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-02-17
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: OPORTUN FINANCIAL CORPORATION (CA)

I have made various communication with Oportun representatives and they don't want to support me in scheduling a affordable monthly payments of {$70.00} until personal loan with a high interest over 50 % is paid off. 
They sent me a letter that loan account is in review for a lawsuit against me as l am XXXX Lifetime, Retired and a XXXX XXXX XXXX XXXX Veteran. 
I can only pay {$70.00} @ month until loan is paid off. 
Oportun has reported Derogatory remarks and collections on my credit report with XXXX, XXXX and XXXX and has destroyed my credibility. 
Oportun will not accommodate me on my Lifetime XXXX Accommodations under Department of Justice XXXX XXXX Civil Rights Act and is threatening me and harrassment with collections calls and cell text at my cell XXXX. 
I can not pay {$150.00} @ month and no fees.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong 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 2020-10-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (FL)

We received a letter dated XX/XX/2020, stating Quicken Loans were selling our mortgage to XXXX XXXX XXXX XXXX XXXX, but Quicken would continue to service our mortgage. 
I then received a call from a company named XXXX, which is listed as a debt collection agency, saying for me to call them to set up payments to them for our mortgage. 
Thinking this was a scam, I contacted Quicken and talked to XXXX XXXX who stated that she shows our mortgage was sold to XXXX, and has no record of the letter I read to her. 
Her letter was datedXXXX, which I have NEVER received.
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The merchant teller and branch managers at my local branch of XXXX XXXX XXXX have been Skimming large amounts of cash form my deposits for about XXXX years. My estimate is that they have been stealing $ XXXX a month from my cash deposits. 

I have personal video of the merchant teller hiding {$4500.00} in cash behind the bank cash counting machine and retrieving it.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

To Whom It May Concern : 1 am writing to dispute the following incorrect information on my credit report : [ XXXX XXXX XXXX, Opportunity Financial ], account is reporting closed with Experian and XXXX bureau but open with XXXX. 
This item is currently showing inaccurately on my credit report filed with your credit bureau. 
Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. 
Please contact me at XXXX XXXX XXXX XXXX XXXX below to let me know that you have corrected my credit report by removing the disputed item within the next 30 days as stipulated by the Fair Credit Reporting Act. 
Thank you for your assistance in correcting this erroneous information on my credit report. 

Sincerely, [ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX ] ( XXXX )
Consumer complaint received 2024-10-18
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. (OH)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2023-02-04
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Summit Horizon Financial Services (IN)

Got a call XXXX XXXX XXXX initially at XXXX XXXX then later at XXXX XXXX saying my loans were being decreased from $ XXXX to $ XXXX, agent name XXXX XXXX with phone number XXXX. I asked if he worked for the federal govt. and he said he worked with the Dept of Education forgiveness program. He already knew all of my contact and personal info incl SSN. He asked me security questions. He made me sign a an online form via XXXX doc that I later noticed was actually a Limited Power of Attorney form from XXXX XXXX XXXX XXXX. I later saw emails in my acct. from Dept of Ed. indicating my account was locked. I stupidly gave my debit card info but immediately blocked the card and change all my passwords, filed a credit block with XXXX, when I realized this was not the Dept of Ed. He said he could give me a payment plan of XXXX months at {$180.00} and then {$45.00} a month for XXXX months. I was also told if I paid {$1500.00} now it would then go to {$19.00} a month. He told me I had to decide and pay today but agree to wait until the XXXX when I told him I don [ 't have any money now. There is no record through my bank of any transactions in my account. Emails have come from XXXX asking me for paystubs, a copy of my driver 's license, which I did not provide ( although I did confirm my Driver 's license ID verbally during the call ).
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

THE COMPANY CHARGED OFF THIS ACCOUNT AND FILED ON THEIR TAX RETURN. 15 USC 1681 ( e ) B. I REQUESTED A 1099C AND HAVE NOT RECEIVED IT. ACCORDING TO THE IRS, THIS DEBT IS CONSIDERED CANCELED. THIS ACCOUNT SHOULD NO LONGER BE REPORTED WITH A BALANCE REQUESTING PAYMENT FROM ME. 

Account name XXXX  Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions