davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (OH)

i was a victim of mortgage fraud my home went into foreclosure but has since been reinstated also there is a account that appears on my credit report stating i owe XXXX on my XXXX chevy mailbu that vehicle was wrote off 4 years ago and i sent experian that complaint paper showing XXXX never responded to the Ohio Attorney General also i have disputed these account more than 4x also im very frustarted that experians credit report is being used in most of my credit denials or my higher interest rated also police reports staing possible identy theft and fraud where also sent to company as part of the dispute process now i am currently trying to refinance and get a home equity line of credit i had been going back and forth to court for 2 years for case now to be closed and i still cant move forward when i have the equity in my home now my credit score it the hold up due the the incorrect payment history amount also the XXXX account stating i owe XXXX should be removed due to XXXX wrongfully writing that vehicle off then tell me i do n't exist
Consumer complaint received 2024-10-25
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: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedyXXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX please give me my bank statement after yall investigate all my complaints and give me the bank statement for the checking account and saving account showing the balance I have in the checking account and saving account and mail it to me at XXXX XXXX XXXX XXXX PA XXXX and also add it to the complaint add the bank statement to the complaint showing the balance in the checking account and saving account my account number is XXXX My name is XXXX XXXX XXXX and contact me at XXXXXXXX XXXX
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act 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 instructions.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-20
Product: Credit 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: BARCLAYS BANK DELAWARE (AZ)

I made a reservation for a rental car through XXXX and paid {$210.00} for the rental of a XXXX XXXX car from XX/XX/XXXX to XX/XX/XXXX using my XXXX XXXX credit card. 

When picking the car up I had to provide a credit card for the deposit and I provided my Barclays XXXX XXXX XXXX  card. XXXX advised us that the car which we had booked was unavailable but that they could provide a replacement. Instead of XXXX XXXX the replacement would be XXXX XXXX. After returning to car on XX/XX/XXXX, XXXX charged us another {$210.00} After we complained they refunded {$53.00} but not the complete amount of {$210.00} We provided evidence to Barclays showing that the car was already prepaid and received a response saying that Services were rendered and the merchant is due payment without addressing the fact that the service had been prepaid through XXXX.
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (NY)

Equifax froze my credit report without my permission or request. They will not unfreeze it unless I provide a special identification number which I do not have because I did not request the freeze in the first place. I need my reporting unfrozen so I can apply for a credit card and there is no way I can get Equifax to do it. 
My name is XXXX XXXX XXXX. SS # XXXX. My address is XXXX XXXX XXXX XXXX, XXXX, NY XXXX my email is XXXXXXXXXXXX. My phone number is XXXX. 
Please help.
Consumer complaint received 2017-06-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

I am writing this complaint in regard to my mortgage compa ny Nation Star. I  applie d for the HAMP ( Home Affordable Modification Program ) bac k in  XXXX   XXXX . I faxed documents and the mortgage company took more than a month to respond to me and when they did they asked for documents that I had already sent to them. This went on for more than 2 months and each time they would say, we have n't received it or this is the lat thing we need to determine your eligibility.  <P/> So in  XXXX   XXXX  I re faxed everything again along with update bank statements and pay stubs. Fast forward to  XXXX   XXXX  and they now tell me I do not quality because the program has expired in  XXXX   XXXX  and they have put me in their own in house standard modification program where it decreases my payment by $  XXXX  {$15.00} per month. This is not a modification nor what I applied for. This  is ILLEGAL and  in direct violation of RESPA as well as many state and federal banking laws.  <P/> Upon doing research and contacting friends that work in the mortgage industry, I learned that the Home Affordable Modification Program  the ( HAMP ) progra m did not expire until  XXXX   XXXX ,  XXXX , the last day to submit applications, and the Modification effective date must be on or before  XXXX   XXXX ,  XXXX . Based on these dates, I certainly qualified. Nation star is trying to take advantage of me and my situ ation. By dragging their feet, until the deadline expired and using this as an excuse not to process my HAMP request, which I know I qualify for due to my decrease in income and upside down property value.
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (VA)

I called Equifax to get my credit score, and they transfered me to three different people to sell me credit score products. They want to sell me multiple credit scores from different models that may or may not be the score used by my potential lenders, and are purposefully vague to force me to buy as many of their products as possible. I hope my conversations were taped, because anyone listening would clearly see how Equifax is unfair to consumers who are trying to help themselves through difficult times, and are more interested in taking our money than helping. A potential lending told me my ability to get a loan is based on my credit score ( NOT MY CREDIT REPORT ), which I understand comes from the detail in my credit report. However, even though I have a copy of my credit report, I have zero understanding and ability to convert the report detail into a credit score ( s ) that can help me see the score ( s ) that potential lenders see. I am left unable to make good financial decisions. I am absolutely being held hostage. I am being forced to apply for a loan which negatively impacts my credit score, to then have the right to see my credit score that was used for my loan decision. THIS IS UNFAIR!!!!!
Consumer complaint received 2024-09-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (NJ)

My husband was out on XXXX from XXXX XXXX until XXXX XXXX, and we fell behind on the mortgage. I filled out the paperwork for a loan modification on or about XX/XX/XXXX and they told me that we did not qualify. During a phone call to XXXX on or about XX/XX/XXXX, I tried to then make half payment, and they did not take it. I asked them why they won't take half a payment while I try to work out something and they said they would not take the money. During the phone call, I asked why we didn't qualify, XXXX could not tell me and stated I would get something in the mail when a decision is made. That was XXXX weeks ago, and I have not heard anything yet. I also stated to XXXX " XXXX Fay Servicing doesn't do anything to help out your customers to stay in their homes ''. And he stated " you could always sell your home and rent an apartment??? I then stated, " do you know renting an apartment is more than my mortgage ''?? I just would like to know that my mortgage company is willing to assist me with my payments and get back on track with making my payments, but they are not willing to help out in any way, like they say they will.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of XXXX XXXX  and I did not open these accounts ( XXXX, # XXXX ). I requested that XXXX XXXX XXXX XXXX remove these accounts from my credit report. I also requested that XXXX XXXX XXXX strong stop reporting information to the credit bureaus on my behalf because I did not give my written permission for any information to be shared on my behalf. 

Enclosed is a copy of my XXXX XXXX  Report number : XXXX In accordance with the Fair Credit Reporting Act, XXXX Account ( 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 an account without my written instructions.
Consumer complaint received 2024-09-30
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. (CA)

I am contacting you as a concerned consumer regarding the accuracy and fairness of the information in my credit report. As outlined in the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was established to uphold the accuracy, fairness, and privacy of data within consumer reporting agencies, I am granted specific rights to ensure my credit report is accurate and that I am treated fairly throughout the reporting process. 

Under the FCRA, I am entitled to the following protections : The right to accurate reporting The right to dispute incorrect information The right to be informed of adverse actions The right to limit access to my credit report The right to privacy and confidentiality The right to seek damages for violations I am exercising these rights in my interactions with your agency to ensure that my credit report accurately reflects my credit history. Any errors or discrepancies should be promptly corrected to prevent negative effects on my creditworthiness. 

XXXX XXXX XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

I received a credit monitoring alert on Monday XX/XX/year> that my credit report was accessed by : XXXX XXXX XXXX. 

I did not authorize nor did I apply for any credit form this company.
Consumer complaint received 2024-09-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank closed my account in XXXX last year. I updated my mailing address before the closure, but they still mailed the check to my prior address without noticing me. 
When I was back in XXXX this XXXX, I asked them several times in the offline branches ; someone finally told me that since my check had not been withdrawn, it had been invalid. 

On XX/XX/year>, I updated my new address again, and the bank said the new check would be mailed out within 7-10 business days. However, 15 business days have passed, and I still haven't received a check from Chase Bank.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Checkr, Inc (VA)

Complaint # : XXXX was closed without me ever being notified by email or otherwise by XXXX or the CFPB at any point in XXXX. To my knowledge, as of today XX/XX/XXXX - this information is still contained on my background report.
Consumer complaint received 2016-06-14
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: ALLY FINANCIAL INC. (CT)

I have CDs with Ally Bank which were expiring on XXXX XXXX. Ally Bank automatically renewed those CDs into a 5 year term and when I called in to complain and move the money out they want to charge an {$80.00} fee per CD. This seems grossly unfair to me
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: HW Holding, Inc (GA)

My previous landlord decided they did not want to renew my lease. I advised that I would continue to be a month-to-month tenant at that time. They offered me {$1000.00} to move at the end of my lease which I agreed to after I moved they changed the terms of the agreement charging me XXXX dollars in fees which left the balance of the XXXX what they owed me down to XXXX dollars when I checked my credit report, I noticed they reported an {$800.00} debt to a collection agency. I have sent copies of the agreement between myself and XXXX  XXXX. They have refused to remove this from my credit file. I have also provided documentation to the collection agency advising that I was a victim of XXXX XXXX. they laughed at me and are still continuing to report this debt which is stopping me from obtaining a place to live.
Consumer complaint received 2016-06-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

As of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX told me over the phone that nothing was reported to Equifax yet Equifax lies and says they did. I want to know why the audio tapes have not been listened too by the CFPB, then Equifax would be caught in a lie. XXXX XXXX XXXX 's account is fradulent, they have said there is an unknown name on the account and the account was charged off in XXXX with my wife 's maiden name, yet I have provided proof that my wife had an account and in XXXX, her XXXX XXXX XXXX account was changed to her married name with a new card issued. XXXX XXXX XXXX account is also fradulent as I have never had a XXXX, I have an XXXX I use and before that I made my own computer, but put that aside and you will see that this debt was discharged in a settlement due to illegal practices by a company they hired. I have also sent Equifax a copy of the settlement and was allowed too since this is a financial matter. XXXX XXXX is a fradulent account as the only jewelry I have bought was with cash from XXXX and is insured by them. Equifax has never bothered to do an investigation as XXXX did and found all these accounts fradulent. Equifax has refused to show me verification of the information and that is because I am sure they have none, yet I have provided a lot of proof against this. I also need to remind Equifax of the {$20000.00} they owe me for my time ( a commodity I sell ) and for missed sales revenue and them being the cause of not being able to build my trademarked computer systems, and that bill is a huge discount as 12 hours a day, 7 days a week I have been unable to work because Equifax refuses to follow the law. I expect this to be paid before the 30 days are up or a XXXX percent late charge will be applied as well as the more time they refuse to investigate, the more they are buying from me and I will not discount next months bill. I will also invoke my right to correctly report this information to XXXX and will be paid or unpaid, and I will report this on all XXXX numbers for Equifax Inc.
Consumer complaint received 2016-06-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (FL)

In XXXX XXXX I opened a Citigold checking account with an offer stating I would receive XXXX Thank You points ( worth approx. {$800.00} ) after meeting certain criteria, such as depositing money and using a bill-pay feature of their account. I confirmed my eligibility for this promotion via phone with a Citi customer service representative in XX/XX/XXXX. Subsequently, I met the aforementioned criteria, a fact I confirmed with a Citi representative via their customer service chat, and was told to expect the XXXX Thank You points to be deposited into my account by XX/XX/XXXX. During this time I was charged XXXX monthly service fees of {$30.00} each. As of the current time I have recieved NO points or other opening bonus, as promised, and Citi now states that I " did not qualify '' for the bonus. 

Seeing as I had previously confirmed this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited XX/XX/XXXX, Citi has pulled a bait and switch. Despite several emails and " internal investigations '' on Citi 's part, they have suddenly decided and maintained that I do n't qualify unless I can find a postcard from 5 months ago showing the offer. This was a need that was never previously mentioned upon confirming eligibility or completion of requirements. I do n't keep mail around for 5 months, and NOTHING was ever said over the past 5 months about needing to keep that post card. 

Now I have {$60.00} of fees and I will not be getting {$800.00} worth of Thank You points. I 'm not alone. Many people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for, and they end their misleading marketing practices - I never would have applied for this premium account, otherwise. 

Thank you
Consumer complaint received 2017-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (TX)

This complaint is made on behalf of my neighbor,    XXXX   XXXX   XXXX    who is in her  XXXX  's sick in   XXXX   went on vacation last year.  XXXX  is currently and has been for the past months in a hospital. She has asked me to ask her bank  ( Chase Bank ) to print her checks ( she ran out of checks in    XXXX  and can not pay her bills ) and just mail these checks to the secure address currently on file with the bank. THE BANK REFUSES SAYING SHE NEEDS TO CALL ... SHE HAS DONE THIS ON SEVERAL OCCASIONS WHERE SHE WAS PUT ON HOLD, AND ON HOLD, DEALING WITH  ONE  PERSON AFTER ANOTHER .... ALL  XXXX  WANTS IS HAVE THE BANK MAIL HER CHECKBOOK SO SHE CAN PAY HER BILL.
Consumer complaint received 2024-09-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY (FL)

I am writing to formally dispute the recent credit report that contains inaccurate information regarding my account. The erroneous information is as follows : [ Specific inaccurate information, such as " missed payments '' and " late payments '' ] I request that you provide me with detailed statements and records of all payments made and missed since I opened this account. I believe this reporting may be in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the collection agency has failed to : Provide validation information : As required by 12 CFR 1006.34 ( b ) ( 5 ), the collection agency has not provided the necessary information to validate the debt, including the amount, the original creditor, and the date the debt was
incurred.

Allow me to dispute the account : In accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to dispute the debt within the required timeframe.

Refrain from furnishing false or misleading information : The collection agency 's actions in reporting this account without proper validation and disclosure constitute false, misleading, and deceptive practices.

Comply with disclosure requirements : Under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ), the collection agency is prohibited from furnishing any account to a consumer reporting agency without providing all required disclosures.