davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-02
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. (TX)

This company continues to violate the XXXX Finance Code by not  providing a surety bond for XXXX or themselves. As such, I am seeking legal advise from XXXX XXXX XXXX XXXX to legally pursue this matter further. The finance code is very specific and both companies continue to violate it. 

This company has repeatedly failed to provided their right to lawfully collect in the state of XXXX. They are required to get a surety bond. No one had provided this which is required under the XXXX Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. XXXX Finance Code 392.202 and 392.101 This company is headquartered in the state of XXXX. I am a XXXX resident. This company is fraudulent and illegally collecting in the state of XXXX. I also do not show this credit bureau has a valid surety bond to collect in the state of XXXX. XXXX hasn't produced info. 

I want this removed from my report immediately. I want the {$10000.00} fee paid for each day this continues to remain on my report per the code. 

I have failed a complaint with the XXXX Attorney General 's office. Attached is the complaint for both companies.
Consumer complaint received 2018-06-02
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL (NY)

XXXX XXXX  was absolutely impossible to deal with on the phone. Every time I spoke with customer service to set up automatic payments, they would give me different information on how to do so ... and always resulted in no auto-pay set up. I found out that my auto-pay didn't activate when they called me telling me I was late. They apologized and acknowledged their mistake and insisted it would not affect my credit. I am not applying for a mortgage and it is still appearing on my credit from years and years ago. I ended up closing the account due to their overseas customer service representatives not being able to solve even the simplest of problems.
Consumer complaint received 2018-05-10
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc. (NJ)

On XX/XX/XXXX my wife and I leased a new XXXX XXXX from XXXX XXXX, XXXX, XXXX. As part of the negotiating process, we were going to be returning a XXXX XXXX XXXX, which was a lease through XXXX XXXX as well as a XXXX XXXX that was leased through a credit union. 

I was assured throughout the process that I would be turning in the two Jeeps and that would be the end of my commitment on those two vehicles and that my new commitment would only be with the XXXX XXXX. I agreed to an " Out the door '' payment of {$2500.00}. That would include a " down payment '' and the first months ' payment on the XXXX XXXX. I signed the papers and we left. I received a check from XXXX for {$1400.00} on XX/XX/XXXX for the remaining payments. 

I reached out to XXXX XXXX in regards to my latest statement as it showed a past due balance today, XX/XX/XXXX. She advised me that its normal as the system needs to " catch up '' however, she advised that I should receive a final bill in the mail including the remaining payments and the disposition fee. I told her that I wasn't aware that there was a disposition fee associated with it as I leased another XXXX vehicle, to which she advised that since I had not leased the vehicle through XXXX, that there would be no credit of the disposition fee. 

I reached out to my salesman who advised that they are not responsible for this fee. I spoke with this person the entire time and at no point in time was I advised that I would need to go back to XXXX to avoid this disposition fee. I was advised that they would be taking back my vehicles. Had I known this would be the case, I would not have agreed to the deal as it was given to me as this is an additional cost to me.
Consumer complaint received 2018-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

My student loans are incorrectly reporting late payments for each loan account listed on my report for the months of XXXX- XX/XX/XXXX. On XX/XX/XXXX the Federal Trade Commission issued an advisory opinion in which it renders a decision on the interpretation of Section 623 of the FCRA ; it states, A furnisher that reports current information to a different CRA has done nothing to " correct and update information '' with CRA that possess the information that the furnisher has now determined is incomplete or erroneous. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' those that were erroneous when submitted to the CRA. See attachment For further reference the FCRA section 623 ( a ) ( 2 ) states : ( 2 ) Duty to correct and update information. A person who ( A ) regularly and in the ordinary course of business furnishes infor- mation to one or more consumer reporting agencies  about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determi- nation and provide to the agency any corrections to that infor- mation XXXX or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
Consumer complaint received 2018-04-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (TX)

Disclaimer - I give JP MORGAN CHASE PERMISSION TO SHARE MY INFORMATION WITH THE CFPB.GOV. 

I have also filed a claim against CHASE with the XXXX - however, CHASE has refused to answer the claim and thus, I am filing with the CFPB, which CHASE has to respond. 

Issue - several UNAUTHORIZED charges were claimed and credited - and by some miraculous mistake, CHASE has reversed my claims!! 

I have tried every attempt possible and CHASE is NOT responding to communicate and rectify!
Consumer complaint received 2018-04-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

To Whom It May Concern, XXXX XXXX was approved for an income based loan modification on XX/XX/XXXX with a trial payment starting on XX/XX/XXXX in the amount of {$5600.00} per month. 
On or about XX/XX/XXXX our client scheduled to have the trial payments automatically withdrawn from her bank account with the point of contact XXXX XXXX. 
XX/XX/XXXX a letter was sent to XXXX XXXX revoking her trial modification due to chase not being able to " verify income, employment, assets, identity, and/or property occupancy on the information provided '' However, the same letter contained an XX/XX/XXXX result which has her income verified at {$17000.00} gross per month with monthly expenditures of {$10000.00}. The XXXX also contained indication that the property was verified as owner occupied. 
XX/XX/XXXX a letter was sent to XXXX XXXX cancelling the automatic withdrawal from her account. The letter indicated that XXXX XXXX cancelled the withdrawal which is not accurate. Our client did not cancel the automatic payments as she is eager to keep her home and resume making her payment. 
On XX/XX/XXXX between 1XXXX to XXXX Eastern time our office contacted Chase and spoke to XXXX XXXX who informed us that the investor ( XXXX ) made a business decision to cancel the modification due to the equity in the home and not based on what is listed in the denial letter. We requested to have the file accelerated to a manager immediately. 
We were transferred to XXXX XXXX in the escalations dept. who informed me that they have limited access to the file and will have an investigation opened and reviewed for accuracy. 
On XX/XX/XXXX at XXXX eastern time, I was contacted by XXXX XXXX . Unfortunately she left a voice mail and did not notify our office what file she was calling on. However, I immediately called Chase back and was told that without a loan number they could not assist me. They also were unable to transfer me to XXXX XXXX so I could figure out what file she was calling on. I specifically requested that an email be sent to her and requested that she call me back but instead of leaving a voice mail, I asked that she request to speak with me as it is our office policy that if any lender calls the assigned representative is to get on the phone immediately. She did not, so we were unable to receive a proper update on the file until we were informed by our client that XXXX XXXX was in charge of her account and I was able to put the information together. 
Now, our client is being told to submit all new financials for a new review when our client has already received a financial review and approved. 
XX/XX/XXXX our office contacted chase again and we were notified that the resolutions department concluded that on XX/XX/XXXX the lender decided to overturn the approval because the file didnt meet the guidelines after the approval. 
It is our belief that Chase made a mistake by taking the modification away and voluntarily canceling her trial and are refusing to accept that a mistake was done at our clients expense.
Consumer complaint received 2018-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MT)

In XX/XX/2018 Citibank decided that it would require customers to enact extra-legal limitations on the legal commerce of firearms and accessories. To the extent that this represents an unacceptable infringement of Constitutionally protected civil rights by a bank that only recently was bailed out by American taxpayers, I ask that Citibank be censured, reprimanded, or otherwise face severe consequence in terms of their future business dealings and with the American government and citizens. The right of a private business to conduct their affairs as they see fit must be respected, however this does not mean that these actions must or should be supported by the US government or citizens. 
I did raise these concerns with Citibank reps by phone calls and mailed letters, receiving the reply XX/XX/XXXX that Citi would not be reconsidering their actions. Subsequently I have cancelled all accounts with Citibank, which represents a restraint on free trade and legal commerce of legal goods.
Consumer complaint received 2016-08-22
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: TENET HEALTHCARE CORPORATION (FL)

We have been making payments to the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX. Last payment was made XXXX/XXXX/2016 for {$150.00} on check # XXXX. We received a notification from Central Financial Control a Debt Collection Agency for the balance of {$260.00}! Central Financial Control has the same mailing address XXXX XXXX, XXXX, AL XXXX. THIS IS THE SAME COMPANY COLLECTING FOR XXXX XXXX XXXX XXXX and using the tactic that they are collecting a bad debt when there is n't any. When contacting Central Financial Control regarding this, they said the account would be considered past due unless we signed up for a monthly payment plan. Central Financial Control is fraudulently implying that the only way we can pay this debt is through a monthly plan, and that this is considered to be a bad debt, even though it 's been paid regularly. This is FRAUD and DECEPTION. When we requested that XXXX XXXX XXXX XXXX send us an updated bill, the woman XXXX employee number XXXX or XXXX stated that the only way we could get a XXXX XXXX XXXX XXXX bill was by signing up for a monthly plan.
Consumer complaint received 2018-04-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, XXXX, XXXX and XXXX, unauthorized cash advances were made using my credit card in the amount of {$8000.00} in advances, {$400.00} in advance fees, and shortly afterward {$44.00} in interest fees, as well as a {$2000.00} unauthorized transfer of money from my savings account. This was done unbeknownst to me by a company claiming to be XXXX, giving me a refund due for past services. 

When I figured out what had happened, I reported it to my bank ( Wells Fargo ) who then closed my accounts and opened up new accounts for me. This was on XX/XX/XXXX. However, most of the transactions continued to show up on the XXXX in my new accounts. I placed a claim of fraud with the bank, and all they did was deny my claim, remove {$4000.00} from my checking and apply it as a credit against my credit card that over {$8400.00} had been charged in unauthorized cash advances, ( leaving me over {$4400.00} in debt for something I didn't authorize and obliterating my checking account ), as well as deny the replacement of funds of {$2000.00} that were unauthorized as a transfer out of my savings - all of the above unauthorized transactions had the subtitle of : REFUND FROM XXXX. 

When some of the funds appeared in my checking with that subtitle ( REFUND FROM XXXX ), I was told I had been over-refunded and needed to return the overage to XXXX - which I did. I had no idea these funds were my own money. I was only attempting to be a honest person and return funds that were not due me. 

However, Wells Fargo has denied me any recompense for these fraudulent activities I've suffered, instead making sure that I'm held responsible for the acts, instead of fulfilling their duty of protecting me and my money, and replacing those funds that were removed/charged against me by unauthorized requests. 

The bottom line is, I did not authorize the removal of funds from my Savings,  nor did I authorize cash advances to my credit card. Wells Fargo is supposed to be responsible for assuring the safety of my money that I entrust them with. When I went to my Wells Fargo branch in person and reported this fraud against me, they assured me that I would be recompensed the full amount of {$10000.00}. However in the claim letter I received in the mail, they have denied me any and all recompense, instead removing funds from my checking account to credit my credit card, and then leaving me with {$4200.00} of debt on my credit card, and {$2000.00} less in my Savings, and very little money in my checking for paying my regular bills. 

The government and banks are supposed to be insuring my money and the safety of it and me against fraud and scams. Instead, Wells Fargo has run me over with their stage coach, and driven off laughing, with what little money I have as a retiree. And me a Wells Fargo member for 39 years.
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The Credit Reporting Agencies are reporting a Chapter XXXX bankruptcy discharge, identified as XXXX # : XXXX, on their own conduct and behavior. I did not give the Credit Reporting Agencies any Prior Direct Consent to communicate this information on my private credit file. Further, Bankruptcy Courts does not report or attempt to report Items on a consumers private credit file. These actions are solely being done by the Credit Reporting Agencies and/or their Agents. 

The reporting of this information is also obscene and profane which lead to the natural consequence being abusive to me the consumer before and after reading and hearing this information.
Consumer complaint received 2018-04-28
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. (TX)

on my Experian report I have paid over half on my credit card balance and my credit score has not changed. This is my second complaint on Experian and it seems as though it has become a personal vendetta -- no matter -- -do they realize how much control they hold in their..With a credit report they can make it hard for you to get futher in life -- -meaning a job -- which is your lively hood -- or a home -- which is your place of living -- -so with that being said they need to be perfect -- and yes I mean to the T..My XXXX card limit is XXXX Ihave that paid down to XXXX and they have that as 34 % paid -- I have enclosed a copy of this -- that is over 50 % paid. In my last complain they said they would update that and they would send me a copy -- that is yet to be seen -- I guess they mean next year in XX/XX/2019 -- oh well -- also I have paid off 2 accounts and still no raise of credit score. And surely it is not a such thing as they need time -- when the credit limit was maxed out -- aah I think it took one and I do mean one day to post that and to lower my score -- so I am not understanding why the wait is when I do it like they tell me. In my last complaint it was mention that it depends on the needs of the creditor -- -XXXX -- I have mention that to several creditors and they are saying they go by the numbers first -- -- the numbers the credit bureau is showing and then they consider other factors.
Consumer complaint received 2018-06-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Some one put a fake check in my account and Wells Fargo wont do anything about it and telling me its my fault and closed my account. Its tjerw fault for releasing the funds. There was something I did see on there damage credit I have no idea what that is. I contacted the police and made a report with them.
Consumer complaint received 2018-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A public record pertaining to a chapter XXXX bankruptcy filing on XX/XX/XXXX is listed on all three of my credit reports. On XX/XX/XXXX I mailed a certified letter with a copy of the letter I received from XXXX tx court stating they do not report to any credit agencies. I mailed it to equifax experian and transunion on XX/XX/XXXX I received letters back saying they would not remove the debt. This record is inaccurate amd XXXX court system did not reach out to credit agencies to put this on my credit report. This is violating my rights as a consumer.
Consumer complaint received 2018-05-10
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: Risecredit, LLC (CA)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : RISE XX/XX/2016 XX/XX/2016
Consumer complaint received 2018-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MT)

Last week I received a letter from my bank that we had reached the 80 % loan to value amount, I was under the impression this is the amount where private mortgage insurance ( PMI ) is no longer required. Further, the letter stated we must have a good payment history, we do, reach 78 % for the PMI to automatically drop off, and proof that the property value has not declined. I called the mortgage company, Wells Fargo, to see if they would cancel the PMI and they require an appraisal ( purchased through Wells Fargo ) to prove the value has not decrease or pay on the principle to reach 78 %. Ive been looking forward to not having to pay the PMI on our mortgage because it is a significant amount. And now that we have reached the 80 % required to drop the insurance, Wells Fargo is nickel and diming us by not cancelling this insurance. Since we can not afford to pay 2 % on our principle or purchase their appraisal, for no good measure, we are forced to pay for insurance not required by the HPA guidelines. I have not been satisfied with Wells Fargo on many other issues, personally and publicaly, however this is an unfair situational where the bank is taking advantage of consumers and warrants a complaint. Thank you for reading this, hopefully it sheds some light on the subject. 
XXXX
Consumer complaint received 2018-04-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute the accounts referenced below. 

1. XXXX XXXX XXXX XXXX, XXXX, 2. XXXX XXXX XXXX, XXXX, I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify the debt ( s ). How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclosed copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature requested. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. They have failed to provide me with a copy of the original contract, bearing my signature, solidifying the fact that this debt belongs to me. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter.
Consumer complaint received 2024-10-11
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.