davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/2023 I had a double-closing; selling a house and purchasing another house. On XX/XX/2023 I was informed by the closing attorney that the closing wire payment to Chase Bank was hacked and redirected to another Chase Account. I immediately called Chase Bank and after several transfers was given a case number. On XX/XX/XXXX, I called Chase Bank, spent over XXXX minutes getting bounced from Chase rep to Chase rep. Finally, I reached the Escalations Department and learned that my original claim was never investigated, I was given an escalation case number. I also was promised a response in XXXX business days. ( I did not receive a phone call in that timeframe. ) I called on XX/XX/2023, and learned no progress was made on the investigation and was advised that if I did NOT make a mortgage payment on the house I sold, that I would be reported for " XXXX late payment '' ( negatively impacting my credit ). My primary issue is lack of attention, action and resolution on my closing transaction to Chase Bank, even when the funds were wired to the correct bank, but to the incorrect account as a result of a hack that seems to be more common than one would XXXX.
Consumer complaint received 2023-06-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XXXX XXXX XXXX XXXX XXXX  WA. I stayed there for roughly 21 nights in the month of XXXX XXXX On the final day of my stay, the front desk clerk informed me that they normally offer a prorated flat rate to guests who stay more than a week. Id been paying market price the entire time with the exception of one free night from XXXXXXXX XXXX  points allotment. When I asked if they could retroactively apply that rate, I was given a hard no. When I asked why I was not offered this prorated rate at any point over the course of 3 weeks, I was told by the manager that we dont have to. When I asked why they elected not to, the manager then began shrieking at me in about as rude a tone as I could imagine given that Id only asked 2 logical questions. By paying market price, when there was an option to pay a flat {$130.00} rate, I ended up paying roughly XXXX extra dollars per night for 3 weeks. Their phone number is XXXX
Consumer complaint received 2023-06-12
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: Experian Information Solutions Inc. (AZ)

I have 2 hard inquiries on my experian credit report. I have send them and XXXX XXXX several letters and mails with no response from either of them. I have send to your attention as well in the past with no proper response. Please instruct experian to remove both of these hard inquiries as I don't acknowledge them or ever applied for them. Hope you will comply. 

XXXX XXXX XXXX You applied for a credit card on XXXX XXXX XXXX XXXX XXXX XXXX You applied for a credit card on XXXX XXXX XXXX
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2023-06-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 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 However, they stated everything was complete and accurate.my question is-how is that possible if the open date, date of last activity and much more is incorrect? 
According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2023-06-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This account is in violation XXXX XXXX is willfully civil liable for continuing to report incorrect data on my consumer report.

15 USC 1681e ( b ) ( b ) Accuracy of report 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. 

The number of terms is reporting incorrectly the date last reported is also reporting inaccurately DELETE THIS ACCOUNT
Consumer complaint received 2024-11-21
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC (NV)

I am writing regarding a notice I received from your agency concerning the referenced account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) [ 15 U.S.C. 1692g ], I am requesting written validation of the alleged debt.

Please provide the following information : 1. **Verification of the debt : ** - The amount of the debt and how it was calculated.

- The name of the original creditor.

- Copies of any contracts or agreements that outline my responsibility for this debt.

2. **Proof of your authority to collect the debt : ** - Documentation showing that your agency is authorized to collect on this account.

3. **Details of payments and charges : ** - An itemized statement of all payments made on this account, including dates and amounts.

- Evidence of the debt 's ownership, including a complete chain of title.

Please consider this letter a formal dispute of the debt. While I await your response, you must cease all collection activities, including reporting this account to credit reporting agencies. Under the FDCPA, collection activity on a disputed debt is prohibited until validation is provided.

If you can not provide sufficient validation, I request that you cease all further collection attempts and notify all relevant credit reporting agencies to delete any reported information about this debt. 

Please respond to this request in writing at the address provided above. I will need at least 30 days to review the validation once it is received. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-12-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SYNCHRONY FINANCIAL (MD)

PayPal limited my account on XX/XX/XXXX. They requested more information which I provided. They followed up today XXXX and closed my account but have kept my {$170.00} in my PayPal balance AND {$540.00} in my PayPal checking account my only option to withdraw is to my PayPal balance which is being kept by PayPal. They have kept over {$700.00} of my money.
Consumer complaint received 2020-11-19
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. (FL)

The Crefit Bureau EQUIFAX are reporting accounts that are not mine and inaccurate information in my credit file. I have disputed and provided documents to prove the information is is not mine or inaccurate but they have refused to delete the information. According to FCRA they are only suppose to report accurate and correct information. I have requested that they provide me proof that a account is mine but they have refused. Their response is the creditor verified the account to be accurate. I requested to see the original signed contract or document bearing my signature for such account but no proof have been provided to me. Also my name and address is incorrect. I provided documentation to them to delete and correct this information but they refused and added the new information I provided but left the wrong and inaccurate information in my credit file. I only have one name and one address and one date of birth. I have no aliases.The account that I provided proof that they are not mine are as follows Equifax Reports the following accounts that are not mine and proof supporting that was provided XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to file a complaint against XXXX XXXX ( XXXX ), located at XXXX XXXX XXXX, XXXX XXXX, IL XXXX, for violations of the Fair Credit Reporting Act My husband and I purchased a vehicle from XXXX XXXX XXXX, an a partner and or affiliate XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX. The term was 44 months. In XX/XX/XXXX, my husband became ill with XXXX and contacted XXXX to voluntarily surrender the vehicle due to financial hardship. XXXX instructed us to return the vehicle to XXXX XXXX XXXX, which we did. XXXX  confirmed they received the vehicle and closed our account on XX/XX/XXXX. 

Despite voluntarily surrendering the vehicle and closing the account, XXXX  reported the account as a " repossession '' on our credit reports in XX/XX/XXXX. When we disputed this with the credit bureaus, XXXX changed the report to " voluntary repossession '' but then re-reported it as " repossession. '' They have failed to provide any documentation validating this debt, as required under the FCRA. 

Most egregiously, in XX/XX/XXXX, XXXX illegally garnished my husband 's wages without any notice or judgment, in violation of debt collection and wage garnishment laws. They then returned a portion of the garnished wages without any explanation. We never received any court documents regarding a judgment for this debt, and court records show no such judgment exists. 

XXXX has violated the following laws : The FCRA, by reporting invalid repossession information, failing to conduct a reasonable investigation of our disputes, and failing to provide documentation validating the debt. 

The FDCPA, by engaging in unfair debt collection practices, failing to provide required disclosures and notices, and illegally garnishing wages without proper legal judgment. 

Other consumer protection laws regarding debt collection and wage garnishment procedures in Illinois. 

We demand that XXXX immediately remove the negative account from my credit report, provide documentation validating this debt, return any illegally garnished wages, and be held accountable for violating the law and harming consumers. Please conduct a full investigation into this complaint and take action against XXXX to stop their unlawful behavior.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I was asked to file a a police report with my account financial advisor showing a dispute with a XXXX affidavit with a report on my telecheck but we had a fraudulent review error from my trans union identity restoration officer. I have to guide my report with a transcript from my compromised account from XXXX data breach considering it was a compromised account from cloud servers with my identity theft affidavit police report. XXXX XXXX was a hacker from the account. I was asked to file a policy claim with my consumer attorney XXXX XXXX showing identity theft fraud alert. My claim will have to contact the credit bureau for claim number with the insurance claim policy. I also want to file a report regarding my account not showing a dispute from my email on my pawned website from my XXXX XXXX account and XXXX XXXX business account recovery account phone passwords were compromised from a spy not showings on the credit report.
Consumer complaint received 2023-06-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (NV)

Hello, my complaint is against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and Aargon collection agency. In XXXX XXXX XXXX I was injured and suffered a broken foot when I was admitted to XXXX XXXX. I supplied them with my current health insurance information with XXXX XXXX of Nevada. One of their billing reps billed an old insurance company they had on file that I was no longer covered under. ( XXXX XXXX XXXX XXXX ). I received calls from Aargon Collection agency and explained to them what happened but they submitted the collections to the credit bureaus in the amount of {$1600.00}. I have attempted to resolve this issue with XXXX XXXX ( XXXX XXXX XXXX ) on multiple occasions with no resolve.
Consumer complaint received 2021-03-09
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. (CA)

I got a fraudulent charge on my Best Buy credit card statement through Citi for {$2600.00} on XX/XX/XXXX XXXX XXXX XXXX XXXX. I contacted Best Buy fraud department for a couple weeks at phone number XXXX. They recorded the information but no adjustment was made. I got a letter on XX/XX/XXXX saying the matter is being given attention. I then received a letter on XX/XX/XXXX saying that I am responsible for the charge. I did not make this charge. Can you help me with an adjustment of this charge. Best Buy did not help me resolve the issue. My phone number for messages is XXXX Thanks for your help. XXXX
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (SC)

I tried contacting the companies via mail about these accounts that were paid in full. These navy federal accounts have been paid in full on XXXX XXXX, 2023 for a total of {$6000.00} XXXX, XXXX, XXXX. It is still reporting negatively on my credit report.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

In XXXX of this year, I purchased a 2023 XXXX XXXX from XXXX XXXX. I applied with the credit manager for the loan. I gave him my correct social security number, if it was incorrect I would not be able to purchase the car. I had to call XXXX XXXX about my payments, when they asked for my social security number to verify my information they would say, incorrect social security number. Yesterday 2 customer service agents I spoke with, one was XXXX XXXX. She mentioned to me that the XXXX XXXX from XXXX XXXX, which was sent over by them to XXXX XXXX had another social security number. 
Yesterday I spoke to a total of 3 agents from XXXX XXXX. Each one told me that my social security number didn't match what I was giving them. XXXX XXXX told me I had to print a form from https : //ww.ssa.gov/forms/ssa-89.pdf. I printed the form, filled it out, and then went straight to the dealership XXXX XXXX. XXXX gave me a copy of my credit application, which I will submit. As you will see, my social security number on the application is the CORRECT ONE!!! XXXX XXXX someone has done something shady and they think I am XXXX!! I want to get an attorney and sue them for the problem they have caused me.
Consumer complaint received 2020-11-19
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: FORD MOTOR CREDIT CO. (CA)

Step 1 : What is this complaint about? 

The Complaint is with Ford 's Credit Dept. A.K.A ( XXXX / Internal name ) and Agent XXXX, who is in charge of an account. 

Step 2 : What type of problem are you having? 

Since Covid 's National pandemic started, I have communicated with Ford. I am a XXXX senior veteran, Also my wife 's caretaker and also XXXX. XXXX does have a 6-month extension program that helps its clients, through Ford Credit to prolong the lease, in the event a hardship occurs. Prior to Covid, I had 4 hardships used and are documented on Ford 's Internal system. Although grateful, and through the pandemic, I used my last 2 extensions. which an aggregated fee is charged by Ford Credit to exercise the option given. But during the Pandemic our monies were depleted because our main income came from hosting XXXX exchange students through the U.S. Department of Education in Washington D.C. So we did fall behind again making it tougher for us to stay afloat. 

Step 3 : What happened? 

I did receive a letter in the mail ( monthly billing statement ) that I was behind, close to {$1600.00} - {$1600.00}, Although we are doing the best during this Pandemic and living in the 3rd highest Covid cases in XXXX County, Upon calling Ford to notify them that I am unable to pay through their Account Manager Credit portal, I was transferred 3 times until a whippersnapper named XXXX answered. Upon our dialogue, he aggressively in an intruding like form started asking questions that are not protocol when attempting to make a payment, he asked, " who was XXXX XXXX  '', I asked him what does that have anything to do with me paying for the cars past balance, he aggressively continued to probe in an interrogating matter. He then asked me for a phone number, I gladly gave him my wives and he went on a hunt like manner and questioning every answer I gave using reverse Psychology as if we have committed some crime. I told him I would call him back and never did because I felt he went too far and disrespected us by blocking us to resolve the account with close to full past due payments. 

Ford Credit is the company I would like to pay XXXX to come current, but their account manager online portal payment tab is not available on my account because they have XXXX it and are causing further hardship on us seniors during the Covid Pandemic. if someone can email us with the proper instructions to pay the past due without getting interrogated would be appreciated. XXXX XXXX would be turning on his grave if he heard how we were treated. being XXXX customers since XXXX  I now will be looking into another foreign company that treats its Seniors with dignity.
Consumer complaint received 2023-06-11
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXXXXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX account name XXXX XXXX account # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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 XXXX 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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case