davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: WELLS FARGO & COMPANY (NJ)

I purchased a vehicle back in XXXX with XXXX XXXX which is now Wells Fargo. I went to NJMV to get a copy of the TITLE and was told by NJMV I still have a Lien on the car from XXXX which was paid off in XXXX or XXXX. I called Wells Fargo and they say they can not find any info on the car or my name, SS #. or VIN # from the car. I have recently purchased a car and I am trying to trade this XXXX XXXX XXXX in but can not get the title because XXXX never released the LIEN. Wells Fargo is stating they need something from NJMV showing that there is still on Lien on the car but they do not give any copies out on their end. I was told the bank should have all that the info on which they do not show anything. I have been dealing with this issue since Monday and I am getting the run around from Wells Fargo. I have faxed over a letter and also a copy of the registration and still can not get any answers from them. 
The car is A XXXX XXXX XXXX VIN # XXXX My contact is XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

These companies illegally ran my credit without my consent, which is fraud!! I did not live at the address related to the application that these companies attempted to run my credit. Ive reported this fraud application process multiple times and these companies that attempted to run my credit arent on any other credit bureau but XXXX which means these inquiries must be removed at once! Theses inquiries arent on XXXX or XXXX credit bureaus only on XXXX and the federal government says all credit accounts and profiles must be accurate at all times and it must be updated immediately! Please remove these fraudulent inquiries from my credit report ASAP!
Consumer complaint received 2022-11-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Over XXXX weeks ago I sent TransUnion a registered letter disputing XXXX XXXX XXXX XXXX XXXX XXXX and XXXX in my dispute I attached copys court order as well response from court in reguards to XXXX XXXX XXXX Nevada exsplaing they dont report to Credit Bureaus proving that XXXX response a lye and remove immediately today I receive TransUnion email in regards to the opposite of my registered letter report # XXXX see attached ADDRESS UPDATE it specifically said remove XXXX XXXX and my address to be XXXX XXXX XXXX XXXX XXXX CA XXXX to only be my address on report I do understand if you apply for existended credit and the address you use automatically reflects I HAVE NOT APPLIED FOR CREDIT OVER A YEAR as I already supplied documents not only to TransUnion I have also supplied to you CFPB I dont feel to waists my time downloading dos anymore as I have my I dotted and my T crossed in reguards s to law suit being filed on Monday TRANSUNION is well over the 30 day meet criteria and as well liable for damages HOW IN THE HECK WHEN YOU ASK THEM TO REMOVE A ADDRESS WITH AS WELL COURT DOCS THEN CAN DELAY THE PROCESSS AND SEND FRIVIOLOUS RESPONSES
Consumer complaint received 2022-11-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (TX)

I created a Savings account XX/XX/2022 with Ally Bank, and submitted a deposit of {$400.00}, which was immediately withdrawn from my depositing account. At the time of the creation of the account, I was able to register for Online access, but was unable to access the online platform. I have been continuously unable to login to access my account or funds. On XX/XX/XXXX, I tried messaging customer support on their Website, and received no response. On XX/XX/XXXX, I called the company and asked for help, to which they told me a support ticket would be opened, and Id be contacted shortly. It never happened. Ive been unable to access my money for almost a month.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I looked on my credit report and I seen account by a place called XXXX XXXX for a vehicle they say I owe {$7300.00} I do not know anything about that never had a vehicle from them before also have so many increase on there that are not mine none of them I don't know who did this but it don't belong to me
Consumer complaint received 2018-08-10
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: JPMORGAN CHASE & CO. (CA)

Purchase was XX/XX/2017 with XXXX XXXX XXXX Invoice states that NEW PARTS are to be installed on the vehicle. Please refer to attached invoice, in the TOP LEFT CORNER it clearly states that New Parts will be installed. I have circled this area in red so it is easier to see. 

Please refer to statement by the Merchant which indicates that they installed parts previously used on another vehicle. I have underlined this portion of their statement in red so it is easier to see. 

Based on these two pieces of documentation, it clearly shows that the Merchant 's description of the item ( What was stated on the invoice ) does not match the merchandise received. 

I am asserting my CLAIMS AND DEFENSES protection, and am within the 1 year deadline to do so. I am disputing the amount of {$1200.00}. The merchant has refused to refund the charges, and I am requesting that Chase dispute the transaction and return my money to me. The merchant is located within 100 miles of me, and I have not paid the amount that I am disputing, so I am well within my rights to assert my claims and defenses protection. 


The response from JP Morgan Chase : " We were unsuccessful because we have nothing to support that the service/merchandise that you received is different than what is on your final sales receipt or invoice. '' is misleading because the Merchant sent them the Statement admitting that they installed USED parts on my vehicle, when I have supplied them with the signed invoice stating that NEW parts were to be installed on my vehicle.
Consumer complaint received 2022-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (OH)

Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These inquiries were placed on my credit report when in fact, I have never allowed any of these companies to pull these inquiries. It is seriously affecting my credit scores and thus affecting my life as a whole.
Consumer complaint received 2018-07-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

While surfing the Bank of America website looking for information on my account, I came across some unauthorized transactions done by Bank of America without my consent.
From XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX each time for the amount of {$550.00} for a total of {$2200.00}. When I called to inform the customer service, she confirmed the unusual nature of the transaction and suggested that I transfer the claim to the fraud department which confirmed that it wasn't a fraud which transferred the case to the Billpay department. Since then I have been going around and around without success, except for the claim department who agreed to pay {$260.00} and the balance should be paid by the office of BillPay. They acknowledged the error but refuse to take steps to correct it. I also contacted the XXXX XXXX XXXX which confirmed that the Bank Of America is the culprit and should have to pay back ( {$2200.00} ).
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX  AND I WON'T ALOW IT.
Consumer complaint received 2018-07-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: JPMORGAN CHASE & CO. (TX)

Hello, I have tried numerous time to get in contact with my private student loan provider. Originally the student loan was with Chase bank, who informed me they sold my student loan to XXXX. I am aware I have defaulted on my loan. I have received no paper statements or bills to warn me that I was nearing default. Chase is stating that they have no record of the student loan and referred me to XXXX. XXXX has informed me that I am not in the system and that they as well have no records of my student loan. The loan default does appear on my credit reports. The last time I called both Chase and XXXX was on XX/XX/XXXX as well as various previous occasions. I am completely unable to track down my student loan info to resolve the default status. Before the loan defaulted I had been in contact with Chase bank ( XX/XX/XXXX ), they would not offer my any payment solutions to help me resolve the past due balance. I had been hospitalized for 45 days and had proper documentation to provide that I was in the middle of an economic hardship due to health reasons. In addition to this, I live in XXXX TX and was affected by the Tax day floods, as well as XXXX XXXX floods and hurricane Harvey, That is to say 3 years consecutive of natural disasters that prevented me from being able to get to work and gain compensation during the time that all major roadways were flooded. At the current moment have not been able to get any information on where or whom carries my student loan, how to resolve the default, any balance info, and have not received any proper documentation. I look forward to hearing your response. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2018-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The following accounts are inaccurate. I have filed a dispute on these accounts and your findings came back that these were verified. Please provide me your method of verification for each of these accounts. 

1. XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4.XXXX XXXX XXXX 5 . XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting 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: EQUIFAX, INC. (NJ)

Hi, I've had a credit score since XXXX, ever since I opened a credit card with XXXX XXXX. However, I am unable to view my credit score or report on experian or equifax. I can collect the information from XXXX, so I know I have a credit score and history. I have been on the call with XXXX and XXXX for hours and they have not given me a solution. I am not sure how to proceed.
Consumer complaint received 2018-08-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AZ)

When I purchased my first home in XX/XX/XXXX, I contacted several homeowner insurance companies for quotes in late XX/XX/XXXX/early XX/XX/XXXX. One of the companies that I contacted was XXXX XXXX for a quote. The quote that I received from XXXX XXXX was not the most competitive and so I decided to go with another insurance company. Shortly thereafter, XXXX XXXX started sending me letters demanding that I pay the insurance premium on a policy that went into effect on XX/XX/XXXX or else XXXX XXXX would cancel the policy. I called and informed XXXX XXXX back in XXXX that I did not agree to a policy and that I had only requested a quote and requested that they resolve the problem within their systems. XXXX XXXX did not fix the problem and eventually cancelled the policy on XX/XX/XXXX. Rather than fix the problem, they sold the debt to XXXX XXXX XXXX who has been intermittently sending me collection letters demanding that I pay {$220.00}. I have called multiple times requesting documentation that I owe this debt but have been told that XXXX XXXX XXXX doesn't have paperwork to prove such. Each time after I explain the situation, I am told that XXXX XXXX XXXX will fix the problem, but i continue to receive letters. Most recently XXXX XXXX XXXX sent me another letter on XX/XX/XXXX, requesting payment again. Again, I requested documentation and proof that the debt was a valid debt and was told that they did not have any such thing.
Consumer complaint received 2018-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (FL)

My Barclays Bank of Delaware Rewards MasterCard account was sold to a unsavory financial institution, without my consent. I pay my monthly bills. I asked them why, they told me my account was sold as part of a larger purchase by the other financial institution. I asked why my account they said they couldnt tell was just a bank transaction. No details were given to me. I asked them if I could just close my account so Im not paying such high interest they said the could close my account but would still be under the new bank as of XX/XX/XXXX. Offered me no means of just paying Barclays ( the actual bank for the master card ) and told me was not able to work debt settlement with me anymore. This came out of the blue, I make my payments and pay ridiculously high monthly interest. I feel betrayed, I have Visa card with them that is not involved in this buy out? They said the reason the visa was not sold was because it was opened through XXXX.
Consumer complaint received 2018-08-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

I found out in XX/XX/2018 that XXXX XXXX XXXX had 2 accounts in collection noted on my credit report. In XXXX, they sent me a letter about the accounts which I returned via certified mail requesting validation of each. Nothing came. In XXXX, I resent the letter via certified mail requesting validation under the FCRA, they sent a letter stating " their records are accurate and correct '' but nothing else. I returned that letter stating this was not 'validation ' under the FCRA and they must immediately remove the listed items for failure to validate per the FCRA XXXX again, they sent me a collection letter and we repeated these actions in XXXX, XXXX and XXXX. I am done! They can not validate these accounts and sending me a letter stating " Our files are accurate and correct '' is not validation, they simply can not validate and therefore must remove immediately. Thank you. I can submit backup docs upon request
Consumer complaint received 2018-08-10
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: SYNCHRONY FINANCIAL (IL)

I have disputed these companies being on my report because I did not ask for them to inquire about my credit. 
These are the list of companies who inquired about my credit below : Inquiry details XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX7 XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Syncb/walmrt Inquiry from XX/XX/XXXXSyncb Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX
Consumer complaint received 2018-08-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I've requested several times for Capital One Bank. N.A, to provide me with a copy of my complete payment history for loan number : XXXX pursant to RESPA : Request for Information - 12 CFR 1024.36 Capital One was the servicer for loan number XXXX. They are refusing to provide me with this information!
Consumer complaint received 2018-08-13
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC. (MD)

Cashnet usa keeps debiting my account for {$100.00} which puts me in a rears with my bank the first time was XXXX and the second was XXXX, I submitted update back statement as request for the update for payment arrange but they refused to accept it.
Consumer complaint received 2022-11-25
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. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX 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.
Consumer complaint received 2018-08-13
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: CITIBANK, N.A. (RI)

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by CBNA/Best Buy of a fraudulent application submitted with his information without his consent XX/XX/2018 that resulted in a fraudulent related inquiry into his XXXX  credit report. A formal dispute of the inquiry was mailed XX/XX/2018 and Best Buy has confirmed the dispute was received however Best Buy has now exceeded the 45 business days allowed for investigation as outlined under the FCRA. This action is a violation of federal consumer law and my clients rights.
Consumer complaint received 2018-08-10
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Credit Collection Partners, Inc. (IL)

Credit Collection Partners in XXXX Illinois XXXX called me at my phone number on XX/XX/2018 at XXXX. They were looking for my daughter. When i told them i was her mom. they didnt read the mini miranda, they also told me entirely what her bill was for and for how much. They also told me that they would remove my phone number until i gave them a new number to get ahold of her at. Then they hung up.
Consumer complaint received 2018-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

XX/XX/XXXX, XX/XX/XXXX, plus dates from XXXX. This debt is 11 years old.  The amount owed is {$10000.00}. The original creditor is XXXX XXXXXXXX XXXX or XXXX. There have been numerous collection agencies trying to collect this debt, but they have all been unsuccessful. I was not able to pay the debt at the time, because I was unemployed and I had other bills that I had to pay, or risk losing my apartment or my car. XXXX XXXX XXXXXXXX, XXXX is the debt collector who has been relentless. They will not let up. It has been eleven years and the statue of limitations is long over and they continue to send me correspondence and call my cell number, continually harassing me over this expired debt. They recently sold this debt to another collection agency, XXXX XXXX XXXX XXXX and it continues. I am now being harassed by XXXX. I was advised to send a cease and desist letter to Portfolio, which I did on XX/XX/XXXX. I sent it certified with a return receipt. I have the return receipt for my records. I would like this situation to be resolved with Portfolio and XXXX not having access to my personal information anymore. I would like them to shred my information, such as my social security number, name, address, cell # and any other pertinent information of mine that they do not need. I fear that this will never end. Portfolio sold my debt to XXXX and then XXXX will sell my debt to another company and so on and this ridiculous and outrageous situation will never end. I can see this lasting forever, like another thirty, or forty years if something or someone will not terminate this.
Consumer complaint received 2018-07-13
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: Radius Global Solutions LLC (AL)

XXXX XXXX / XXXX XXXX  Credit Card This is not my account and it is on my credit report. This card was not opened using my SSN or NAME. 

Please have credit reporting company remove this report.
Consumer complaint received 2022-11-24
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. (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. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights 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 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 intormation An other adverse Item of information. other than records or convictions or crimes which antedates the reoort ov more than seven vears 15 U.S.C. 1681s-2 ( A 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency iif the person knows or has reasonable cause to believe that the information is inaccurate.