davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I just recently reviewed my credit report on XX/XX/XXXX, and noticed some late payments for ( Acct # XXXX XXXX XXXX ) that were supposed to be on-time during the Pandemic. However, the creditor and I spoke and agreed that I was eligible for a loan modification, and we began to execute the modification in XX/XX/XXXX. After working tirelessly through multiple disputes to Experian and phone calls to rectify the inaccurate reporting, I wrote a letter to the XXXX, XXXX and called again to inform the lender of the below reporting act but nothing has been updated. ( Letter enclosed ). 

SEC. 4021. Credit Protection during COVID19. Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ) is amended by adding at the end the following : ( F ) REPORTING INFORMATION DURING COVID19 PANDEMIC ( I ) ACCOMMODATION.The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 

REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall - report the credit obligation or account as current ; or if the credit obligation or account was delinquent before the accommodation - maintain the delinquent status during the period in which the accommodation is in effect ; and- if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.
Consumer complaint received 2024-10-09
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Global Lending Services LLC (CA)

I bought a XXXX XXXX XXXX on XX/XX/XXXX, which was financed by Global Lending Services ( see contract below, pages 36 to 42 ). The contract requested that I would have an insurance coverage of the vehicle, both comprehensive and collision added to the minimum required by the state of XXXX 
I then, on XX/XX/XXXX, hired insurance with XXXX XXXX XXXX, that has all the coverages listed above, with a deductible of {$2500.00} for comprehensive and collision coverage ( see attached policy ). XXXX XXXX XXXX, 50 days after I bought the car, I received a letter by Global Lending Services, stating that any deductible exceeding {$1000.00} was " unable to being accepted '' ( see attached file ). 
This " maximum deductible '' requirement was never in the contract or any other paperwork that I have signed - simply to say that this is " the company policy '' does not mandate me to comply with it. It can turn, thus, into a vicious cycle '' I can amend the insurance policy and, a week later, the company policy can change to a " maximum {$500.00} deductible '', then a " maximum {$100.00} '' policy, then a " no deductible '' policy, then a different kind of coverage. 
This is clearly a way to rip off the customer, that, once again, has complied with every single clause of the contract.
Consumer complaint received 2024-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (AL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. ( JPMCB CARD ) Account number # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by ( JPMCB CARD ) Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2016-08-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (LA)

Reference # XXXX Since my original complaint, my existing short sale has reused to offer $ XXXX and as of now has yet to offer his original offer of {$50000.00} and proof of funds. 
I have exhausted myself trying to find available housing because of Louisiana being declared a " DISASTER AREA '' being flooded in so many parishes and no immediate solution for housing. 
I applied for a reverse Mortgage to keep my house as is since I am XXXX and going to be XXXX on XXXX XXXX of this year and you only need to be XXXX years of age. 
I have been pre-accepted if I can refinance XXXX XXXX with a Reverse Mortgage that I have been approved for. 
I must get Ocwen 's acceptance and I am in the process of getting an approval letter from the Bankruptcy Court. 
I am working with XXXX in order to receive protection and in order to insure that the refinance is approved. 
Please let me know, I pray that Ocwen allows me to refinance XXXX XXXX for {$56000.00} as any XXXX off the street can do and stay in my residence until my death. 
I see it as a WIN WIN since I am ill and otherwise will be homeless after my family has XXXX years of equity in this family home. 
This is only acceptable if Ocwen agrees to allow me to refinance my home at XXXX XXXX and accept {$56000.00} as payment in full " As is Where is ''. 
I await your response. 
Thanks, XXXX XXXX XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

The following previous addresses are wrong : Incorrect Name- XXXX XXXX XXXX - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
Incorrect Address - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
EMPLOYER - XXXX - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
EMPLOYER - XXXX - The following information is Outdated, Please remove it from my credit Report - The personal data reporting is inaccurate. 
Please update my credit file to reflect the proper spelling and data as I have indicated above. 
Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else, because of these errors that you are reporting!
Consumer complaint received 2024-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (TN)

Hello : I am filing this complaint in efforts obtain a proper resolution On approximately XX/XX/XXXX I received a remediation check from Wells Fargo with a cashiers check of {$1.00} attached. 

It states we identified that you did not receive a credit within the appropriate timeframe for a transaction dispute you previously filed. It also states, we enclosed a check for {$1.00}. And we added an amount for the time these funds were unavailable. 

I have not cashed the {$1.00} settlement check as it is insulting and by no means a reasonable settlement in relation to the amount of the disputed transactions within the timeframe of their investigation. 

On XX/XX/XXXX I received the below response from Wells Fargo XXXX XXXX, Dear CUSTOMER : Case ID : XXXX - Hidden Thank you for contacting us. We completed our research and are providing details to address your concerns. 

We have received your concern regarding the Remediation Check received. We understand that you didnt get the information you needed when you first contacted us. Its our job to provide you with friendly, helpful service, and to answer your questions. You didnt get the experience we believe you deserve, and were sorry for that.. For additional questions in regards to how the amount is calculated we recommend you reach out to the phone listed on the bottom of the letter. In event you dont have the letter here is the number to reach out to XXXX. 

Your comments are very important to us. You deserve a quality financial relationship and excellent service. Each experience we share with a customer is an opportunity to demonstrate our commitment. Were sorry we havent met your expectations. Thank you again for sharing your concern and for the opportunity to serve you as our valued customer. 

Case status We have closed the case as of the date of this letter. If we receive additional information, we will open a new case to address any remaining or new concerns. 

How to contact us We appreciate the time and effort you took to contact us. If you have questions, you XXXX reach us at XXXX, Monday through Friday from XXXX a.m. to XXXX p.m. XXXX XXXX. We accept telecommunications relay service calls. 

If there is an attachment to this email and you can not read it, please contact us. 

Sincerely, XXXX XXXX. 
XXXX Representative Consumer, XXXX XXXX XXXX Banking XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX The above response to my complaint was blatantly inadequate. So on, XX/XX/XXXX I spent XXXX hour and XXXX minutes on the phone filing ANOTHER complaint, Case ID : XXXX - Hidden to which I was led to believe I would be speaking to a Supervisor this time and that was not the case. 

I am just looking to be compensated appropriately for their mistakes that caused me financial hardship. 

Please note I am still a Wells Fargo XXXX and I have XXXX accounts with them. However, this letter is in regards to closed account ending in XXXX.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/year>, I went to Truist Bank to fund my account that I opened on XX/XX/XXXX. Reasoning I opened the account is because I needed to have an account other than XXXX  XXXX XXXX thats two hours from where I stayI cant access the account to XXXX  XXXX XXXX to verify the card pin to activate at the bank because I have no transportation. 

Reasoning said truist is closest to me so I went to that branch location to fund my account so I can XXXX money to my landlord that Im renting the apartment from so I wouldnt be homeless. I deposited {$380.00}. Not even a hour later after getting my bus back home I tried to login my bank mobile access to XXXX the {$380.00} to my landlord, it said your account has been locked I called the fraud department because they said it was fraud. 

MIND YOU NOT it went it to the branch and deposited physical hard worked money specifically @ XXXX XXXX  on XX/XX/year>. 

I went to the branch to discuss the matters and asked since my account is closed just give me my money back that I handed you all. 

They refused. Thats that.
Consumer complaint received 2021-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: STERLING BANCORP (NY)

My name is XXXX XXXX. I am a Sterling National Bank customer. 

I have an issue I want to resolve, however it seems my bank doesn't want to help me to resolve this. 

On XX/XX/2021 I made some transactions and paid someone I bought something from and the payment went through. However after I received my bank statement, I didn't remember the charge anymore so I filled a fraud dispute mistakenly. 

After few days, I remembered I bought something legitimately and reached out to my bank that it was a valid charge. I told my bank dispute department on the phone to cancel all the disputes I earlier filled. 

The next day I also visited the bank branch and told them to cancel the disputes and write to me officially about the cancellation of the disputes so that I can show the merchant, but my bank has not sent me the letter I requested for. 

I have told my bank several times that the charges involving my debit were valid charges and I do not want to proceed with the disputes anymore. I do not share my card with anyone. 

I am making this complaint because my bank has not written to me about the cancellation of disputes. 

Yesterday I received a letter from my bank saying they had given me provisional credits. How can you give me provisional credits when I have already told you that the charges were valid and you should cancel all disputes I reported. 

The case number is XXXX And my card number is ending in XXXX. 

I will attach a copy of the letter I received.
Consumer complaint received 2022-06-14
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. (NY)

In accordance with the Fair Credit Reporting act, XXXX, XXXX, equifax has violated my federally protected consumer rights to privacy and confidentially under U.S.C 1681.

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses and phone numbers do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX
Consumer complaint received 2022-05-17
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  account # XXXX has violated my rights. 

15 U.S.C 1681 section 603 A. States I have the rights to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (NY)

I used to have a regular, not XXXX, account with XXXX to make seldom purchases ( once every 2-4 months ) and had never had financial issues with the company ( XXXX XXXX or the bank/Chase ( my debit account was linked to XXXX payment. ) However, beginning XX/XX/XXXX, XXXX started charging my Chase checking account {$25.00} and/or {$30.00} three-four times every month, specifically : in XXXX - XX/XX/XXXX ( {$30.00} ) ; XX/XX/XXXX ( {$25.00} ) ; XX/XX/XXXX ( {$30.00} ) ; XX/XX/XXXX ( {$30.00} ) ; XX/XX/XXXX ( {$25.00} ) ; XX/XX/XXXX ( XXXX $ + XXXX $ ) ; XX/XX/XXXX ( {$25.00} ) ; XX/XX/XXXX ( {$30.00} ) ; XX/XX/XXXX ( {$25.00} ) ; in XXXX - XX/XX/XXXX ( {$35.00} ) ; XX/XX/XXXX ( {$25.00} ) ; XX/XX/XXXX ( {$25.00} ) ; XX/XX/XXXX ( {$30.00} ) ; XX/XX/XXXX ( {$30.00} ) ; XX/XX/XXXX ( {$25.00} ) ; XX/XX/XXXX ( $ XXXX ) ; XX/XX/XXXX ( {$35.00} ) ; XX/XX/XXXX ( {$35.00} ) ; XX/XX/XXXX ( {$35.00} ) ; XX/XX/XXXX ( {$30.00} ). 
I would call XXXX- they would fail to explain the issue but would promise to find out if it was a glitch in the system ( no luck... ) I would call my bank 's ( Chase ) fraud department- they would stop my debit card, issue a new one, credit my account ; then the issue would happen again, and again, and again... 
I called XXXX on XX/XX/XXXX - they refused to explain the reason for these ridiculous charges, but said they would send me a letter by regular mail. On XX/XX/XXXX, I went to the Chase branch in XXXX ( XXXX XXXX XXXX XXXX XXXX, NY XXXX ) - their Russian-speaking representative said they were too busy to help me with that particular issue and also refused to reveal his name when I asked him. 
In the past, Chase would return the money to my account. This time, they first credited my checking account but then reversed the transactions. 
Please help me investigate this fraudulent activity and stop this never ending financial assault ( that affects my financial and emotional wellbeing ) and get the money ( five last XXXX transactions ) back to my checking account.
Consumer complaint received 2020-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (FL)

Recently, I received a copy of my credit report and found several fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Police Report ). I  don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. 
Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Consumer complaint received 2020-09-17
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 (WA)

Second attempt. Last month I wrote Fedloan to request that remove late payment from my credit report on XX/XX/XXXX that was reported inaccurate. The company stated it was correct, which it wasnt. They lied and said they tried contacting and mailing documents stating that my account was in collection in XXXX, which is another lie. I never received a call from XXXX, and I contact XXXX in XX/XX/XXXX requesting forebearance and deferment, the rep that I spoke with told me it was granted. So the fact that you have customer service rep lying about putting people on deferment is sickening. I also sent a goodwill to this company, but they dont seem to care about their customer report, or try to work their customer service, nor do they want to fix their error. Again we are only talking about XX/XX/XXXX. You dont need to go into XXXX or the past
Consumer complaint received 2016-12-16
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: National Credit Systems,Inc. (GA)

As I was going through my battle with XXXX XXXX. XXXX was involved in the process without my knowledge through my medical provider. Since then this has been turned over to collections and now lies with a law firm XXXX and XXXX. XXXX # XXXX. Since their acquiring my account I have Received over XXXX legal threatening phone calls and voice mails of which I kept records. Letters threatening legal actions and account freeze, income garnishments, etc. 
I have a copy of my credit report that I personally obtained and the " Original Ceditor is C.S.I. XXXX and the collection agency is National Credit Systems. 
Due to my illness, I am currently on XXXX. income and have XXXX insurance with complete coverage of all medical bills. On numerous occasions, I attempted to pass this information on to National Credit Systems they refuse to take record of this info. and my every attempt to contact XXXX and XXXX. has been met with contempt and threats to pay in full or they will proceed. 
My XXXX insurance has been effective since XX/XX/XXXX and I wish to resolve this matter A.S.A.P. so my Credit Report can return to its deserved position. 
Respectfully, XXXX
Consumer complaint received 2016-08-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: WELLS FARGO & COMPANY (DE)

Applied for a co-signer realease from a Wells Fargo that I have consitently paid ontime since XXXX was denied because my XXXX XXXX score was to low. No mention of what an approriate score is even in converstation with Wells Fargo representative before I sumbitted the application. Still do n't know what the " ideal '' score is me to recieve a cosigner release. Just this year I have been offered by Wells Fargo the oppurtunity to refinance my student loan without a co-signer so I am utterly confused on how I can be eligible to refincance without a co-signer but my score is to low to get a co-signer realease