davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-15
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$110000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$110000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$110000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2023-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (TX)

The thing I have payed for is not reported. Some collections are not correct. I once had an address on there with no linkage between me. Ive paid numerous bills and debt. Paid for two different credit agencies to fix credit problems. It was a rip off. My credit score should be higher than what it is. I pay all my bills. XXXX didnt give us our money back after false reporting we did not clean room. Which was not true. Ive lost unnecessary money, due to people negligent or not caring. I had just got my XXXX XXXX out of tow shop, for them to come get it. I had to pay for that out of pocket.
Consumer complaint received 2017-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (WA)

On XXXX XXXX, XXXX my son, XXXX XXXX XXXX used my JP Morgan Chase debit card to put his share of the rent, utilities, cable, telephone, and insurance for XXXX into my account through the ATM. We do things this way because I am XXXX XXXX XXXX and it is very hard on me to get dressed, go to XXXX to get his monies, then go to Chase and make a deposit into my account. This rule against others putting money into your account is very hard for those of us who are older, in bad health, and have XXXX issues! Anyway he got distracted by this woman ( My son is on Social Security XXXX due to XXXX problems, XXXX jobs since he was XXXX XXXX XXXX. ) and did n't come home as he usually does. This woman, XXXX XXXX XXXX got my Chase debit card from him and used it to take {$420.00} out of my checking account. Chase at first put the money back, then took it out again because their policy is that any chiped card transaction is the fault of the card holder and they will not do any investigations period. 
I never met this woman and I certainly never gave her permission to access my monies. Nethier did my son. This bank is treating me like I am a criminal, not a victim. 

JP Morgan Chase Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX Routing Number : XXXX Account Number : XXXX If you can help me get my money back I would be very grateful. This is causing me much emotional distress. I do n't have much of anything anymore and I am in costant pain. 

Thank you. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 information is inaccurate.
Consumer complaint received 2016-04-30
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (WA)

I am filing a complaint about Experian, because they failed to provide me with the documents that they have on file, with which they used to varify accounts that I disputed. 
After 30 days Experian responded frivolously. -Section 611 ( 5 ) ( A ) of the FCRA states that credit reporting companies must " promptly delete all information which can not be varified. '' Please help with resolution to this problem. Thanks.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX, Acct No. XXXX, has violated my rights. 

15 U.S. Code 1681 Section 602 A. States I have the right to privacy.

15 U.S. Code 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX  } { Credit Bureaus : ALL 3 } { XX/XX/2023 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX }
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (IA)

I have tried calling multiple times to all three bureaus requesting a copy of credit report as I have a ITIN # therefore, I can not get it online. All three bureau continue saying it will take XXXX business days for credit report to arrive in the mail. It's been a few months and nothing has come in from XXXX and XXXX. I did get credit report from Experian. I submitted copy of ITIN # along with consular ID card and energy bill to verify identity as I was asked over the phone. I have not received anything even after mailing documents. XXXX stated over the phone that my credit report comes up on their system under a social security # and the number that XXXX has is not my ITIN # ( I do not have a social ) and that I need to send in documents proving that information XXXX is reporting is inaccurate. COPY of ITIN # and XXXX XXXX along with energy bill to verify identity. I have the right to a copy of my credit report and Im not being heard. 

Although I have received copy of credit report in XX/XX/21 I would like to get an updated report from Experian too.
Consumer complaint received 2023-07-14
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

15 Days are up- please my check made to cash for XXXX for XXXX usd as per my rights protected owner of my home ordered XXXX agreement signed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CFPB Settlement Recovery Money 1700 G Street North West Washington , DC 20552 Re : Federal Trade Commission and Consumer Financial Protection Bureau v. 
Green Tree Servicing LLC, a Delaware Limited Liability Company, United States District Court of Minnesota, Case No. XXXX ( SRN-JSM ) To Whom it May Concern : I am a party in the above-referenced action. I did not receive a phone call from Green Tree Servicing after the Court Order was entered against them. 
I owned a home located at XXXX XXXX XXXX, XXXX, California. My loan was egregiously affected by the negligence of Green Tree Servicing per the Order entered on XX/XX/XXXX where Green Tree Servicing was ordered to pay {$48.00} million in borrow restitution to be deposited in the Civil Penalty Fund of the Bureau in accordance with Section 1017 ( d ) of the CFPA 12, U.S.C. 5497 ( d ). 
This letter constitutes a demand for settlement in the amount of {$350000.00} as a full release of all claims against Green Tree Servicing LLC. Alternative Dispute Resolution is appreciated in this case due to the time line. This offer expires fifteen days ( 15 ) days from the date of this letter. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Consumer complaint received 2023-07-14
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. (MO)

notice to principle notice to principle is notice to agent the XXXX XXXX XXXX aren't furnishing and accurate and incorrect information to the consumer reporting agency The recording of subject inaccurate information has caused severe damage to my character or reputation my general mode of living and my ability to optain credit personal and house hold purposes. 
you and your inaccurate reporting have damaged my liveylihood. 15 USC 1681 they also stated that they could not dispute my five derogatory accounts on my credit and they said they do not dispute the ( XXXX ) hard inquiries on my account I have sent countless certified letters so I have reported them to the CFPB the federal trade and the XXXX I would like for monetary compensation since they are a violation due to the fair credit reporting act.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I deposited a check through Bank of Americas app for {$3000.00} at XXXX on Tuesday XXXX. Once I submitted the deposit, it told me that funds will be available on XXXX the next business day and anything that posted overnight will be covered. They credited my account, however, they took all the money back for the deposit on XXXX, so I have a transaction from the bank deducting {$3000.00} from my account, also giving it a new post date of XXXX XXXX. The check I deposited was written from prosperity bank, and a family member had written the check to me and the funds cleared their account the day I put it in XXXX. I had made my rent payment on the XXXX, and now my rent payment has bounced, and my landlord is threatening eviction, plus a {$15.00} per day late fee. I cant do anything, my account is overdrawn {$3000.00} now even if someone were to learn my money, the account is so far negative nothing will help this is absolutely wrong. I know theyre holding the money to collect interest on it to help their market shares, rebound, extremely misleading, and I took screenshots of what it stated under the deposit that I made on the mobile app saying that would it be available on XX/XX/12. I understand larger checks only releasing a certain portion, but the account holder who wrote me the check, their account was in good standing, and their bank paid Bank of America for the check the very next day why dont I have access to these funds? Is Bank of America going to pay for me to move if I get evicted or are they going to pay the late fees per day that I have to pay because my little rent is late? Ive called multiple times and they say theres nothing they can do at all theyliterally my hands are tied. I have no money for anything, and since Bank of America does not do overdraft fees, I have no money for even food or water. Seriously, this is not OK. The money has already been paid to the bank. I dont get why they will not release it to me into my account.
Consumer complaint received 2016-04-28
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: WELLS FARGO & COMPANY (AZ)

Wells Fargo Dealer Services wo n't auto-apply over payment to principal. I just looked and the {$1000.00} check I sent only applied {$900.00}. I included a note asking for it all to go to principal. This morning the guy told me that I have to actually write it on the check for them to apply the payment to principal. So once again our money has been sitting in a prepayment reserve. And now it 'll take 2 more days for the funds to be moved. Each time I call about this it is a different procedure.
Consumer complaint received 2017-09-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (MI)

I wrote a check to XXXX of XXXX XXXX for a down payment on a car. We agreed to date the check for XXXX XXXX, XXXX, and that is when they were going to cash the check. I checked my account today, and Chase posted the check yesterday, XXXX XXXX, XXXX. Today is XXXX XXXX, XXXX. 

I called to complain to Chase, and they wo n't do anything about it. Instead, they argue with me that the date holds no bearing on when a check can or can not be cashed. 

Luckily, another check cleared in my account, so my account did n't go negative, but that 's not how it works in the state of MI, and they refuse to acknowledge any error on their end. I was leaning on the money until the XXXX when I get paid.
Consumer complaint received 2017-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc. (OR)

When trying to buy a house XXXX weeks ago, I was declined because I had a negative item reported to the credit bureaus. I called the collection company to try to understand what was going on, and they gave me a printout off charges that I did not recognize. The name of the company is ResidentCollect INC. After many tries to get this resolved with them without success, I called the original creditor. The original creditor, XXXX XXXX XXXX XXXX / XXXX XXXX, could not validate any of the charges that the collection agency was trying to collect. They posted an unverifiable debt in my credit report and this is hurting me a lot. This is against the FCRA. They are not following the law. I even notice that I am paying high insurance rates from a car purchased in XXXX because of this.
Consumer complaint received 2023-07-14
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. (AL)

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.

The letters are stated with items and issues.

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 information is inaccurate.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX  administered by XXXX XXXX filed a 30 day late payment with m y three bureaus. It dropped my XXXX XXXX by XXXX points in one day and caused one credit card called XXXX to close my account when they inquired. I lost a line of credit. I called them and told them I had all the statements and checks where I had paid them for the past two years and I even sometimes paid them twice in one month. They told me they would write to the three bureaus and fix the erroneous information and they believed the error happend due to a system upgrade last year. They wrote to XXXX which updated the card to XXXX balance and removed the XXXX late payment ( fraudulent info ) but Experian and XXXX still show this info and I have filed multiple disputes with both. I can not get them to remove it. I am so upset with this as I will never do business again with XXXX XXXX
Consumer complaint received 2023-07-14
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: LEXISNEXIS (AL)

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.

The letters are stated with items and issues.

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 information is inaccurate.
Consumer complaint received 2023-07-14
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: DISCOVER BANK (FL)

On Saturday, my Discover card was scammed and there were charges made to XXXX and XXXX. My XXXX XXXX  cards were also scammed. I called all three credit card companies immediately and the XXXX cards took the transactions off but the Discover card did not. They told me the charges were legitimate, They were not.
Consumer complaint received 2017-09-07
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. (CA)

A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items
Consumer complaint received 2023-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation (NC)

Fortiva changed there credit terms and switched to XXXX. During that time my debit card was compromised in XX/XX/2023. I called them to get it changed to an auto draft from my checking account instead of a debit card. From that point forward they were still trying to draft with my debit card. Every month I was getting charged with a late fee. Then they had to refund me and was delayed in refunding me. It continued to happen the more I discussed it with them. I was so fed up I just paid the account off. Something, I didn't want to do. They even said they spoke with my husband and never spoke with him. They have always spoke with me. Their representatives never annotated that they spoke with me, which is fradulent.
Consumer complaint received 2023-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Today, on XX/XX/2023, at Chase 's branch between XXXX XXXX and XXXX XXXX on XXXX XXXX at XXXX XXXX, NY, Chase has refused to take a deposit of {$30.00} in quarters, which is XXXX quarters. Chase engaged in deliberate wastage of my time and forced labor, by allowing me to line up to make a deposit, demanding I put the coins within flimsy papers, and then complaining about the way they were stacked inside the papers after having to line up again while arguing with me and ultimately refusing the transfer after counting the quarters up to around $ XXXX {$9.00} and then saying " it's short '', and then giving up on the counting altogether. They then dropped some of my quarters and did not put them into a recounting machine after picking them up. Therefore I was forced to count all the quarters again myself to ensure no quarters were stolen or lost by Chase.