davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (VA)

I have reasons to believe that Chase bank took advantage my of inexperience in obtaining credit cards.

I own a small construction company, and when I received a credit card offer for my company from Chase, filled it out unaware that just by signing the application, I was giving my personal guarantee. Usually, when a creditor requires a personal guarantee for a business account there is a separate perfectly visible paragraph with an additional signature. Chase intentionally obscured personal guarantee consequences in the fine print.

Only now I found out that in the fine print at the bottom of the credit application there was a mention that my signature personally guarantees the account. I wouldnt have signed it if I have been aware of this.

I never realized that Chase has done this until my company started having troubles and then my personal credit score started to go dawn. At that point I checked my personal credit report and discovered that it was going down because Chase decided to report our corporate account to my personal credit report.

Since Chase bank was not straight forward concerning personal guarantees in the application process, I believe they exploited me.
Consumer complaint received 2018-06-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (NJ)

While trying to buy a house, my wife and I fell victim to an email scam / wire fraud. My attorney 's email account was hacked, and I was sent phony wire instructions. I followed those instructions and sent over {$260000.00} from my account at XXXX XXXX XXXXXXXX to a fraudster account at Wells Fargo. Wells Fargo contacted me the next day saying that there were some red flags indicating fraud, such as the name on the account ( a personal account ) and the name of the intended wire recipient ( XXXX XXXX of NJ ), did not match. I called the XXXX XXXX   and confirmed they did not receive payment, then went to XXXX  XXXX XXXX to recall the transaction. We filed a report with the police and they were able to tell us approximately {$2000.00} was stolen, the rest was frozen in the account at Wells Fargo. After and a lot of phone calls, Wells Fargo completed their investigation. In order to transfer the remaining funds, Wells Fargo required a Letter of Indemnity, which would basically cover them if they were mistaken to remove funds from the fraudster account. XXXX XXXX XXXXXXXX refused to provide the Letter of Indemnity. They refused to provide it because they feel that they are  not at fault and will not accept the risk. We are unable to recover our money from Wells Fargo
Consumer complaint received 2020-08-03
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: CITIBANK, N.A. (MA)

The Home Depot/Citibank North America says that I am late on the dates below though I am sure that I pay on time always with my bills ... though I think there are times that I have not because the bill did not get to me on time or I simply did not received it. Please help me resolve this XX/XX/2020 XXXX
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (NY)

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : JPMCB CARD XXXX
Consumer complaint received 2018-06-23
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: Resurgent Capital Services L.P. (PA)

I have been disputing this account for almost a year now with the collection agency XXXXXXXX XXXX and XXXX and XXXX  their reporting this account as verified and this can't be far from true. As you'll see with the attachments the credit report and the information that was sent to verify has two address so how can this be verified.Please look at this attachment and the bottom part that says borrower information. It does has my name but I know nothing of the address. This a {$400.00} bill that's hurting my credit from their mistakes I can't get anything to move ahead in life from this
Consumer complaint received 2018-08-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Within the last couple of days, a company named Portfolio Recovery reported a collection account for {$1800.00} on my credit report. Prior to this account showing up on my report, I did not receive a notice of my right to dispute. I don't believe this account belongs to me, and Portfolio Recovery never gave me the opportunity to contest it before they reported it on my credit report. This is a violation of my rights under federal collection law.
Consumer complaint received 2024-08-27
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: EQUIFAX, INC. (PA)

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. XXXX. XXXX XXXX XXXX XX/XX/year> : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2018-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I just opened a XXXX XXXX and noticed Derogatory marks from XXXX   XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX. This is fraud. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I have no knowledge of this. I would like this off my credit as soon as possible due to the fact they have the wrong person and inaccurate information.
Consumer complaint received 2018-06-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC (VA)

I purchased a XXXX XXXX XXXX on XX/XX/XXXX from XXXXXXXX XXXX XXXXXXXX, XXXX Va. I financed this vehicle through XXXX XXXX XXXX. XXXX repossessed my vehicle and sold it XX/XX/XXXX. In XX/XX/XXXX, I received communication that the final balance due on the note was {$9500.00}. In that " Explanation of Calculation of Surplus or Deficiency '', the original Aggregate unpaid balance as of XX/XX/XXXX was {$32000.00}. With this agreement, the company wanted me to continue paying the $ XXXX/month to settle the account. After paying one payment, this arrangement did not work as I did not have the extra income to cover the {$730.00} and pay new transportation expenses. In XX/XX/XXXX, I contacted the company again in an effort to resolve the balance. The new Deficiency went to {$16000.00}, and somehow my original aggregate unpaid balance increased to {$38000.00} ; additionally all the amounts due changed. As the balance increased, I disputed the balance and XXXX fixed the amount due. I made one payment and the company would not provide a receipt. After this the reported amount due on my credit report increased to {$20000.00}. My last attempt to resolve this was XX/XX/XXXX ; my letter states a settlement amount due of {$6900.00}. After again making one payment, XXXX increased the balance due reflected on my credit report to {$20000.00}. I would like to resolve this account but am unable to as 1 ) the balance continues to change regardless of my written agreements with the company and 2 ) XXXX  is unable to provide a written receipt or any documentation for payments received.
Consumer complaint received 2018-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

Hi, i use to bank with us bank until everytime i got a bank account an would set it up so i couldnt go in the negatives, it always brought me to the negatives because it would show money i had in my account that was just pending but it still aloud me to spend the money leaving me negative. a company calls me almost everyday saying i owe them over {$300.00} for the debit card. im a young XXXX XXXX and dont have money to be giving that i never spent.
Consumer complaint received 2020-08-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

The credit bureaus are reporting a closed account with XXXX XXXX XXXX. This is not my account. I have disputed this account several times with the credit bureaus and the creditor. This is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have a payment arrangement with XXXX XXXX on a delinquent account. 
XXXX XXXX has received 4 payments on time of the 6 payment arrangement. 
The final payment is due XX/XX/2018.I have two payments of XXXX to go in XXXX AND XXXX for completion of the attached agreement. 
in the agreement it says under " what you need to know ... .. '' - '' in accepting this settlement we intend to discontinue collections. '' - '' your payment ( s ) are confirmation of this arrangement '' YET, XXXX XXXX REPORTS THIS ACCOUNT AS A COLLECTION/CHARGEOFF WITH NO NOTES OR INDICATION OF THE AGREEMENT! DO THEY THINK THAT ALL CUSTOMERS ARE XXXX! THE REPORTING TO BUREAUS, THE WAY IT IS REPORTED IS A COLLECTION EFFORT AS DEFINED BY THE FCRA! 
I HAVE NO FAITH THAT XXXX XXXX WILL HONOR THEIR FINAL AGREEMENT TO REPORT '' PAID IN FULL/WAS A CHARGE-OFF '' SINCE THEY ARE NOT HONORING IT NOW, YET I WILL MAKE THE NEXT 2 PYMTS. AND HONOR MY END AS I HAVE DONE! I HAD TO DISPUTE JU8ST TO GET THE PAYMENTS REPORTED, RECENTLY. 

XXXX XXXX IS CROOKED FROM THE TOP DOWN AND EVERYONE KNOWS IT!
Consumer complaint received 2024-08-27
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. (PA)

I just recently looked at my credit report XX/XX/scrub>XXXXXXXX I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 1. XXXX XXXX XXXXXXXX XXXX  : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Consumer complaint received 2018-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (WA)

I have been using my Wells Fargo credit card to pay my email service provider monthly {$5.00} charge throught automatic bill pay enrollment through this company, XXXX for the past 5-10 years. Last month I was contacted by XXXX that Wells Fargo company had sent them a letter of payment denial ( $ XXXX   monthly fee ) and has charged their credit account {$45.00} fee for fraud. I called Wells Fargo costumer service and discussed with them I have never requested them about fradulant charges by that company. They told me they want their money for investigating that charge. I contacted their executive office asking them to reimburse me for the {$45.00} they had charged XXXX. I just git a letter of denial stating " We are committed to protecting the security of our costumer 's accounts and periodically need to take certain actions to detect and prevent fraud. '' In other words, I, the card holder am stuck with the {$45.00} penalty fee they charged my email service provider, wrongfully penslized by Wells Fargo credit card company. Just think for a moment, if such unethical ways of creating source of reveniew implemented by Wells Fargo, go without legal bindings by this company how many more costumers are going to be subject to their predatory actions.
Consumer complaint received 2018-06-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (OK)

The company refuses to work with me after contacting them to let them know I could not pay for my necessities and asked to work out a payment plan. They have already been paid more than enough for the original loan. I acknowledged the responsibility for the debt and offered to work out a reasonable payment plan, but it was refused.
Consumer complaint received 2018-06-20
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: I.C. System, Inc. (IL)

I went on-line to check my credit score. The XXXX XXXX report showed that I had a delinquent report. Further investigation on my part showed that a company called XXXX XXXX reported me to the credit agency for non-payment of a cable service account in XXXX. ( I live in XXXXXXXX, and never lived in XXXX ). 
I never ordered cable service in XXXX. I never received any communication from XXXXXXXX XXXX : no e-mail messages, no phone calls and no written correspondence. 
XXXX XXXX forwarded this account to collections with IC Systems Collections, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. I tried calling them and could not get any information about this issue. I have never received any letters, phone calls or e-mail messages from this collection agency. 
I tried calling XXXX XXXX, and they refused to talk to me, but interestingly DID say that they couldn't find an account with my name or address. I filed a dispute with XXXX XXXX, and was finally notified that XXXX XXXX verified that their original report was accurate. 
I then called XXXX XXXX, again, and filled out an " identity theft packet. '' This was sent back to XXXX XXXX at the beginning of XXXX. I have not heard anything at all from XXXX since that time. 
This delinquent account is not mine, and I never authorized anyone to open an account in my name
Consumer complaint received 2020-08-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A. (PA)

I attempted to move money from my bank account to ( XXXX ) an investment app on XX/XX/2020. I am unable to do so, due to some changes PNC made to my account. I am no longer able to ( though I was previously ) transfer money to other linked accounts ( Such as a bit coin investment app or XXXX XXXX.
Consumer complaint received 2018-06-22
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: FORD MOTOR CREDIT CO. (FL)

I am writing to the CFPB for assistance in removing a 30 day late payment that XXXX XXXX XXXX XXXX reported to the credit bureaus in XX/XX/XXXX. The refusal of XXXX XXXX/XXXX XXXX XXXX XXXX to remove this one late payment has literally destroyed my previous long history of outstanding credit. It has also crippled me in being able to obtain any new credit. 

In XX/XX/XXXX, my Mother-In-Law was diagnosed with XXXX and had to XXXX XXXXXXXX and other treatments. I was her XXXX  for over a month. Due to this unexpected event, I overlooked being late on my Ford Credit car lease payment. When I realized that I had forgotten to make the payment, I had slipped into being 30 days past due. Ford Credit immediately reported this to the 3 credit bureaus and my XXXX credit score plummeted 100 points overnight. 

I wrote a good faith request letter to Ford Credit on XX/XX/XXXX. In the letter, I explained my unfortunate circumstance with my Mother-In-Law and the fact that I had been a loyal customer to them for the past 10 years, and 3 consecutive car leases, with no late payment issues. I received a response back from them on XX/XX/XXXX refusing to remove the late payment. The letter said that the " reported information accurately reflects our experience with your account. '' Once again, this could be no further from the truth given my 10 year history with them. 

After I received this response, I decided to reach out to the General Manager over the dealership where I had leased my last 3 consecutive XXXX vehicles. The GM agreed to try and provide assistance. After spending several weeks trying to work with Ford Credit on the removal, he was instructed to tell my husband and me that Ford Credit could not remove the late payment because " the Consumer Financial Protection Bureau rules prevented them from being allowed to remove it from my report. '' The GM confirmed the name of your organization in his e-mail exchange with me. 

Ford Credit 's stance is very hard to believe since the CFPB is in place to protect consumers. In addition, there is something inherently wrong with a credit bureau system that would allow a consumer like me to be penalized 100 points on a credit score for one 30 day late payment, especially given the tragic event that was the reason for the late payment. This is certainly not a true reflection of my credit worthiness. 

I would like to appeal to the CFPB to help me to correct this issue since Ford Credit has used the CFPB as the reason why my late payment information was not allowed to be removed in good faith.
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Experian is continuing to report negative information that is not mine on my report that have already been removed. For example they have removed the inquiries for XXXX XXXX XXXX but refuse to remove the actual account as it is fraudulent. The negative accounts that are fraudulent need to be removed : 1. XXXX XXXX XXXX XXXX/XXXX/XXXX # XXXX -- -Not my account.

2. XXXX XXXX XXXX/XXXX XXXX # XXXX -- -Not my account.

3. XXXX XXXX XXXX # XXXX  -- Not my account.

4. XXXX XXXX XXXX   # XXXX -- -- This account has never been paid late.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX DEPARTMENT STORE CREDIT CARD, ACCOUNT NUMBER XXXX is appearing on my Experian, XXXX  and XXXX  credit reports after paying XXXX dollars cash to my account in the XXXX XXXX, CA store to pay in full this account.I can not help it if XXXX employees are thieves and put this money in their pocket.There are cameras in the store and after a search of my records I can find the day I was there so XXXX can put their employee in jail and I can collect a court settlement for XXXX stealing my funds, destroying my credit and causing 3 bureaus to falsely verify this account.Do not delete this account at your own peril because I will have police detectives at your store if you do not remove this from my report now!
Consumer complaint received 2020-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX {$3500.00}
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Attorneys for XXXX XXXX XXXX sued XXXX XXXX in XXXX County Court for an debt owed to XXXX XXXX XXXX XXXX. The debt was settled amicably in said Court on XX/XX/XXXX. A clearance of the debt and all relevant information was immediately forwarded to Credit Bureaus XXXX, XXXX and Equifax.

XXXX  and Equifax have failed or denied all attempts mark debt accurately.

Several more attempts have been made to clear this matter, including direct calls to bureaus representatives, to no avail.

As of XX/XX/XXXX, Bureaus XXXX and Equifax still advertise the debt as outstanding and late.