davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they remove this account from my credit report but I was told that this would not be happening. I was called today from the CEO 's office of USAA regarding this debt and I advised them that this no longer is my debt since they charged it off around XX/XX/XXXX. They sold this debt to 2 or 3 other collection agencies over the years. As of XXXX, USAA updated my credit report due to the XXXX  report that I filed earlier in XXXX and it's still INCORRECT. They've listed my payment status as in collections/charge-off since XXXX and my last payment was XXXX. The other incorrect information is that the loan was closed on XX/XX/XXXX. 

I am XXXX XXXX XXXXXXXX veteran. I can not deal with this harassment any longer.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

My name is XXXX XXXX XXXX and this is not a third party filing this complaint. This complaint is to inform you I am being taken advantage of by the credit reporting agencies. They are not verifying this information that they are furnishing on my report. And this is a violation. This information is 100 inaccurate and I need it removed immediately. It has caused my grave financial woes.
Consumer complaint received 2024-09-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (AZ)

On XX/XX/year> I made a transfer of {$4600.00} trough REMITLY they suppose to deposit the money in XXXX hours, it pass already 10 days and I been calling to see what is the problem they continue giving me just false excuses at the beginning they told me that the bank who hold the money is requesting from me to fill a form with more of my personal information I did it I submitted it and after that they been telling me a numerous of different lies because every time I call them they just don't know why the money is not deposit in the bank of the recipient or why they don't canceled the transaction and return my money, they said is in revision but they are not requesting from me nothing else from me so I need your help because I can't do anything else to get my money back.
Consumer complaint received 2017-07-11
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 — Problem with personal statement of dispute
Company: ID Analytics, Inc. (IA)

Sagestream LLC, who is this and why do they rate my credit score so low? First I have never heard of them and honestly I think they should have to be at least close to the other agencies scores to even be considered to be a accurate credit reporting agency.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

XXXX XXXX  wrongfully put a debt on my credit report that is not mine and due to identity theft. This account number is not mine. Ive filed ID theft report with FTC and will pursue legal action for slandering my Reports. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. 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. These accounts were opened fraudulently : Disputed Account : XXXX XXXX  Account Number XXXX XXXX
Consumer complaint received 2024-10-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc. (PA)

I HAVE CONTACTED UPSTART MULTIPLE TIMES ASKING FOR HARDSHIP ASSISTANCE AS SOON AS I HAD A CHANGE IN INCOME AND INCREASE IN EXPENSES DUE TO XXXX LOANS. I HAVE NEVER BEEN LATE. I WAS TOLD TO CALL FOR ASSISTANCE IF STRUGGLING TO MAKE PAYMENTS AND I KEEP BEING DENIED. I APPLIED XX/XX/year> AND WAS DENIED AND WHEN I CALLED AGAIN I WAS TOLD TO TRY AGAIN JUST TO BE DENIED AGAIN. THEY ARE STATING I HAVE EXCEEDED THE AMOUNT OF TIMES ASSISTANCE CAN BE GIVEN AND THEY WILL NOT REFINANCE THE CURRENT TERMS. THEY ARE NOT WILLING TO HELP. THEY ARE CALLING ME MULTIPLE TIMES DURING DAY AND DO NOT OFFER ANY OPTIONS FOR PEOPLE IN DISTRESS OR TO AVOID NEGATIVE CREDIT REPORTING.
Consumer complaint received 2017-08-14
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. ()

The mortgage was fully paid and settled by XXXX XXXX XXXX as part of the Closing disclosure on the XX/XX/XXXX. Chase Bank continued to activate my auto pay instructions with XXXX XXXX and submitted monthly installment request on XX/XX/XXXX and XX/XX/XXXX. As I maintain this account exclusively for rental transactions, I did not have sufficient funds and the bank returned payment request unpaid on both occasions and charged me {$36.00} on each occasion. I called Chase Bank on the XX/XX/XXXX and informed them about this and stop sending payment request with immediate effect. Despite, they have sent the request for the second time on the XX/XX/XXXX. I have sent the attached letter to the Bank via fax number given to me. This will affect my credit and I wanted them to remedy this as well. I am sending this complaint to you with a request to let the public know that the bank will continue to send payment request despite closing the account. Thanks for your prompt action. Best regards XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MD)

I am now requesting proof of the previous investigation from XXXX. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that is not abiding the law. 
The delinquent payments shown on my credit report XX/XX/XXXX was a result of my job loss due to XXXX. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis under these circumstances. Please update this information to PAID/AGREED for the following time period. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-24
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (TX)

Dear Sunrise Credit Services Group, I am writing to dispute the validity of the debt you have reported under the account number referenced above. According to the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am formally requesting that you provide full validation of this debt. Until the requested information is provided, I dispute the debt and demand that any negative reporting regarding this account cease immediately. 

I require the following documentation to substantiate your claim : 1. The full name and address of the original creditor for whom this debt was allegedly incurred.

2. A detailed breakdown of the amount you claim is owed, including a clear explanation of how it was calculated, itemizing any interest, fees, or additional charges. 3. A complete and accurate copy of the original signed agreement or contract, which demonstrates that I am legally obligated to this debt.

4. The assignment contract or purchase agreement showing the transfer of this debt from the original creditor to Sunrise Credit Services Group, establishing your legal right to collect.

In addition, it has come to my attention that your attempts to collect on this debt may have violated my rights under the FDCPA, particularly in regard to unlawful communication practices as outlined in 15 U.S.C. 1692c. As a result of these violations, I am formally requesting that you i
mmediately cease all further communication with me regarding this matter.

If you are unable to provide the requested validation within 30 days or if your communication practices are found to be non-compliant with federal law, I will expect immediate action to remove this collection from all credit reporting agencies. Failure to provide proper validation or continued communication in violation of the law may result in further action on my part, including reporting your companys conduct to the Consumer Financial Protection Bureau ( CFPB ) and taking legal measures to enforce my rights under the FDCPA.

I trust that you will handle this matter with the seriousness it warrants and look forward to your prompt response.

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (PA)

Called Transworld Systems today requested information concerning pay for delete and settlement of alleged debt. Representative informed me that account balance owed is {$230.00} and account can be settled today for the amount of {$150.00} and tradeline would be immediately deleted off the Credit Reporting Agencies database.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (MN)

Hello. On XX/XX/year>, I received a credit card statement in the mail, for merchandise charged at a XXXX XXXX in XXXX, MN- with a Wells Fargo line of credit. The account # is XXXX XXXX XXXX XXXX. On my credit report, it shows as WELLS FARGO for the amount of {$4300.00}. Second, I also have been receiving text messages and phone calls from a XXXX XXXX XXXX XXXXXXXX group I believe. I never open them, nor do I answer them because I assumed it was obviously spam. Nonetheless, on my credit report I discovered the XXXX XXXX listing for the amount of {$2200.00}. This is also fraudulent. I am in the process of contacting all three credit reporting companies : XXXX, XXXX XXXX XXXX XXXX either by phone or online with the option to dispute these. I have also contacted Wells Fargo fraud, and successfully reported it. I have not, however, contacted XXXX at this time- but will attempt to. Thank you. 

XXXX
Consumer complaint received 2017-08-14
Product: Credit reporting, credit repair services, 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. (GA)

I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX Account # : XXXX I was never late 30 days in the month of XXXX 2017. I have always made my payments on time. I am not sure how this happened. I believe that I had made my payments to you when I received my statements. My only thought is that there was a billing error with my statement.
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (MS)

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.

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 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-2 ( 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 informationisinaccurate.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (FL)

I am filing a formal complaint against Chase Bank for improperly closing my account and denying me access to my funds, despite repeated inquiries. Here are the details of my issue : On [ insert date ], Chase Bank funded my account with a provisional credit following a dispute. I informed Chase Bank that I had a car payment due on the XXXX of this month and needed access to my funds. Chase Bank advised me to visit a branch ATM to withdraw the funds. I did so, successfully making a withdrawal. 

Shortly after, I attempted to make a XXXX transaction, only to discover that my account had been closed, and the remaining {$2000.00} in my account was frozen. I immediately contacted Chase Bank and repeatedly asked for an explanation regarding the closure of my account and when I could expect access to my remaining funds. Unfortunately, Chase Bank has provided no clear answers and continues to withhold my money. 

This situation is causing significant financial strain, as I am unable to access the funds I need for urgent payments, including my car payment. Chase Bank 's actions appear to be in violation of consumer protection regulations, specifically those related to fair access to funds and transparency in account actions. 

I am seeking immediate assistance from the CFPB to have Chase Bank release the {$2000.00} currently held in my account and to provide a clear justification for the account closure. The lack of response and cooperation from Chase Bank is unacceptable, and I believe their actions are unlawful.
Consumer complaint received 2024-10-20
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: EQUIFAX, INC. (SC)

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of INQUIRIES 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-11-14
Product: Credit reporting 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, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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-2 ( A ) ( 1 ) states : 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.
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: EQUIFAX, INC. (TX)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name XXXX XXXX XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are supposed to 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.
Consumer complaint received 2024-09-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (ND)

I have received several calls from " XXXX XXXX XXXX '' making various false statements and threats of action that can not legally be taken. They use different phone numbers when calling and a well rehearsed script to give the impression that they have or are about to file a lawsuit sue me. Statements were made that included the words " your case '' and " XXXX XXXX Process Server. '' I have confirmed that no court case has been filed against me in XXXX XXXX, North Dakota, nor is there any such entity as XXXX XXXX Process Server. It appears the company is attempting to obtain payment for an auto lease debt charged off by the original creditor in 2009. I have been given various reasons ( in different calls ) why the statute of limitations supposedly does not apply. The company does not send any written communication or disclose its physical address. When pressed for that information, they have hung up. The company utilizes www.dmslegalteam.com as its website and claims to be a law firm, but no attorney names are listed. Internet research reveals this company frequently engages in unlawful and abusive debt collection efforts. This appears to be scam operation that attempts to trick or scare unknowing people into believing there is an immediate threat of legal action unless the amount claimed due is paid immediately on the company 's website by credit or debit card.
Consumer complaint received 2024-09-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAND HOME FINANCIAL SERVICES (IL)

I requested info on XX/XX/XXXX in regards to spreading my escrow in a 4 year spread and they notified me that I can spread the escrow for 3 years instead of XXXX. The rep told me to send the request to XXXX, which is what I did. I received an email on XX/XX/XXXX stating that my request was denied and that I can look into a loan modification. I called customer service on XX/XX/XXXX and asked why it was denied and the customer service rep said that the request was denied because I did not provide any info on why the request was needed. I let her know that the previous rep did not tell me that I had to provide detailed info. I asked to speak with a supervisor and the supervisor told me that the option to spread the escrow does not exist at Land Home Financial Services. After speaking with the supervisor I asked to speak with a manager and the manager basically told me the same thing. I am not clear on what the options are because 2 people said there was an option to spread escrow and 2 people said there was not an option and the only option was to do a loan modification.
Consumer complaint received 2024-09-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION (OH)

I took put an installment loan and the company did not discuss the apr with me. Later I found out that the apr is XXXX  % and I'm paying pack {$6000.00} on a {$2000.00} loan.
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: EQUIFAX, INC. (CA)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am disputing a charge-off on my account that remains inaccurate, despite my previous attempts to resolve it with the creditor. I have provided documentation and evidence to support my dispute, but the charge-off has not been corrected. This inaccuracy is negatively affecting my credit report and financial standing, and I am seeking assistance from the CFPB to ensure that the creditor accurately reflects the status of the account.