davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-21
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. (IA)

Chase dispute and the Chase executive office have failed to provide adequate reasoning and evidence for their denial of my dispute of prepayment made to a contractor. Chase claimed in my original dispute XXXX that they mailed letters to me stating that the contractor had rebilled my account as proof to support their claim that too much time had passed to investigate the matter. 

To provide a brief recap of that, the other party rebilled my credit card after I disputed them for not finishing their contract and walking off the job. Chase did not deny my right to rebill and instead stated that too much time had passed after I disagreed with their finding in writing. I know from working in customer remediation with executive offices at other companies that the elapsing of time is a valid reason to deny a claim but it is legally invalid when the company itself is the cause of the time delay. That is what occurred in this case. 

Chase originally attempted to state I didn't respond to their rebilling in time ; I did not know that the rebilling had even occurred until after the time limit had expired. I immediately contacted chase when the balance was reinstated on my account and only then realized this had occurred. As earlier stated chase responded to the CFPB complaint in XXXX by stating they had mailed letters to me during that period which I did not receive. 

In my complaint XXXX I stated that I had never received these letters from chase ; no notification was shown on my account on their website either which I logged into almost daily during the period where this incident occurred. In their response to this dispute chase admitted they didn't have any proof of letters being sent out, handled by a mail carrier, or delivered to my address. Another note is that the Chase executive office called me on Friday XXXX, 2020 to tell me that their response to my dispute was in the mail. I have not received this either. 

I would also like to add that during this dispute period Chase without my consent withdrew in excess of {$3000.00} from my bank account resulting in a bounced check that I had made to another person. They also posted interest fees to my account while CFPB complaints were pending against them.
Consumer complaint received 2020-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Due to COVID-19 and despite being laid off I have been doing my best to pay off bills that were on my credit report. I worked with the actual creditors regarding pay off and then sent the letters indicating the accounts have been paid off and the balance is XXXX as apart of a settlement. I have sent the information to XXXX, XXXX, and Transunion however the information still remains that I have balances on the paid off accounts. 

XXXX ( these accts are all paid off ) : XXXXXXXX XXXX ( # XXXX & XXXX ), XXXX XXXX ( XXXX, & XXXX ) XXXX ( # XXXX ), XXXX for {$150.00} ( I am unfamiliar with this account and asked for reinvestigation but no response ). XXXX XXXX on ( XXXX paid off medical acct that should have been deleted after XXXX according to law ). XXXX : ( XXXX-The statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland Code. This is to be deleted from my credit ). 

TransUnion : XXXX XXXX ( paid off with XXXX balance # XXXX ), XXXX : ( XXXX-The statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland Code.  This is to be deleted from my credit ). XXXX XXXX XXXX ( XXXX paid off XXXX XXXX for {$120.00} ). 

XXXX ( These accts are all paid off with a XXXX balance however still showing I owe monies : XXXX XXXX ( XXXX, XXXX, & XXXX ), XXXXXXXX XXXX XXXX XXXX  ( # XXXX & XXXX ), XXXX : ( XXXX-The statute of limitations applicable to actions for back rent under residential leases is three years pursuant to Maryland Code. This is to be deleted from my credit ).
Consumer complaint received 2020-08-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (MD)

Received two notices of attempts to collect a debt, which are not associated with any accounts that I have opened. Attempted to contact Radius Global Solutions LLC and did not receive any information to contact them aside from a fax number. Furnished documents regarding the possibility of an incidence of identity theft. Received no response after attempting to report this on XX/XX/2020 to Radius. Received notices on XX/XX/2020 from Radius.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

My Name Is XXXX XXXX, I am the owner Of XXXX XXXX XXXX. I have a business Bank Account At Wells Fargo Bank. The due diligence case number is XXXX. Wells Fargo has put my bank account under due diligence review requesting Certain Documentation before a Due date in XXXX XXXX. I Sent All the documents to my due diligence Reviewer XXXX XXXX, Days before the due date, I ask if she has everything needed to complete the review. She says that If there is anything needed, she will give me a call before the due date. 

I receive no call. 

I attempt to call her but she does not answer her phone. A month and a half later, without any warning, I can not pay for some office supplies that I need and my employees checks are not being accepted. I go to the bank and they say my account is on hold, and that I need to contact XXXX. I call XXXX multiple times along with a XXXX certified XXXX XXXX. I can not even take my funds out of the bank. They are totally frozen without warning. Despite me having made a formal request to accesss my own money She does not respond. It takes her days to respond by call and she says that There are deficiencies in the documents that I sent. I reviewed the documents with a XXXX  professional and I double check them personally, We both see no deficiencies. I reply asking what are the specific deficiencies, and I receive an automated email stating she is going to be absent for a full week until the XXXX. 

This incident caused by Wells Fargo has already caused me and my business significant material harm and I need to access my funds, thus I am seeking help. It has been 2 weeks since It has been frozen, the total amount frozen is XXXX XXXX total. There is no state or legal mandate to freeze this money, Wells Fargo is fully responsible for this.
Consumer complaint received 2023-08-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frontline Asset Strategies, LLC (TN)

First and foremost I did not do business with XXXX XXXX XXXX, nor XXXX XXXX XXXX XXXX XXXX and nor Frontline Assets Strategies LLC. They are trying to collect a debt for XXXX. Which I have no idea what the debt is for. Their email is very vague. They need to stop emailing.
Consumer complaint received 2020-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (OH)

Dovenmuehle Mortagage, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, Il XXXX. On XX/XX/20, I called this company to make a principal payment on our mortgage loan. I was instructed to put in writing a letter requesting to recast the mortgage, attn : special loans number ( our loan # ). On XX/XX/20. the " research '' dept. acknowledged my request. I have called the company on XX/XX/20 and XX/XX/20 requesting the status of determination to my request. I was told, I couldn't talk to anyone, because they didn't even know the name of the person handling my request because their staff was working from home. They also informed me my loan was being sold to another company XX/XX/20. It has been over a month, no written response, no accountability, no customer service, the response being a non- response. What business operates in such a wreck-less, evasive, secretive manner. I turned to the XXXX-IL, there are 208 complaints re : Dovenmuehle, so that tells me this company is not operating above board in an efficient, responsible manner, with very disturbing customer relations. I want my request in writing pronto. All they have to do is plug in some numbers, then instruct me where/what department to send my check. Why, is this so hard? This company was assigned to us, by another mortgage company, we didn't chose them!!
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

DURING THE YEAR XXXX, I REALIZED THAT I WAS A VICTIM OF IDENTITY THEFT WHEN I HAD MY CREDIT REPORT PULLED IN SEARCH OF PURCHASING A HOME WHEN THE AGENT WAS GOING THROUGH THE REPORT IN DETAIL ASKING MY ABOUT CERTAIN ACCOUNTS UNDER MY NAME. I WAS SHOCKED TO SEE THAT I WAS ACTUALLY A VICTIM, AS I HAVE ONLY HEARD PEOPLE TALKING ABOUT IDENTITY THEFT BUT NEVER KNEW WHAT IT WAS. 
I was advised by this agent to seek legal advice to have my name cleared from these fraud accounts. Since XXXX, on numerous occasions almost every month, I have filed disputes after disputes to Equifax, XXXX  and XXXX  Credit Agencies, seeking to remove these fraud account from under my name. Till Today, I am still doing so, and I was advised recently to file a complaint with CFBP to assist in the process of removing these fraud accounts which are affecting my to accomplish my goals. 
1. XXXX XXXX {$17000.00}. with XXXX  2.  XXXX  XXXX XXXX {$6000.00}. with XXXX & EQUIFAX 3. XXXX XXXX XXXX XXXXXXXX {$4000.00}. with XXXX I WOULD APPRECIATE YOUR HELP TO HAVE MY NAME CLEARED AND THESE FRAUD ACCOUNTS REMOVED FROM UNDER MY NAME.
Consumer complaint received 2020-08-06
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (GA)

I have been locked out / denied access to my loan information for over 3 months. I can get on the web-page but the " Menu '' Bar has been deactivated. I can not click on the Account to see how my payment was applied, verify Homeowners Insurance has been paid, verify if County Tax has been paid, nor can I access " Account Services ''. 
I have emailed the mortgage Company many times about this and no resolution has been reached. I have called and still no correction has been made to the web site. 
Thank you - XXXX XXXX Loan # XXXX Lakeview Loan Servicing
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

On XX/XX/2020, I sent a letter to a company shown on all three of my accounts as " XXXX XXXX ''. ( Since that time, oddly enough, both Equifax and XXXX  have changed the name on the account to " XXXX XXXX '' who I believe is the original Creditor. ) I copied Equifax, XXXX, and XXXX  in this letter. I requested verification and validation of this debt. I sent this letter to all of the above parties via USPS, as well as email. I have not heard one word from XXXX XXXX or XXXX XXXX since that time nor have I been sent any documentation that would prove this debt belongs to me. That has not however stopped any of the three agencies from listing this item on my credit account. 

On XX/XX/2020, I received my Dispute Results from XXXX  who verified the information as accurate. In my credit reports from XXXX XXXX and Equifax, these accounts were listed under " XXXX XXXX '' and on both credit reports, the account was said to be verified as of XX/XX/2020, the date of both reports.
Consumer complaint received 2020-08-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Affiliates Management Company (PR)

During a routine credit application, I learned that there is an outstanding default judgment from XXXX in XXXX in the amount of {$4200.00} filed by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. I did not live in XXXX XXXX in XXXX. I moved to XXXX XXXX in XXXX and sold the house in XXXX XXXX. 
The lawsuit shows service performed at my old XXXX address, four years after I moved away. I was never served, never given a chance to respond to suit, and never made aware there was a default judgment. Now this is harming my ability to get credit. XXXX XXXX claims to have no knowledge of who holds this default judgment and XXXX XXXX XXXX was purchased by Co-Op Financial services. Co-op Financial Services also claims to have no knowledge of this judgment.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (VA)

Experian tried to extort monthly fees for services that are free. When I cancelled my account with them they unlocked my credit report. When I called to freeze my report via phone they refused to do so three times. I had to make four phone calls to get a person to freeze my account and now Experian continues to send me numerous unsolicited email and text daily to try to get me to give them my credit card force me to pay to continue their services that are free as described above.
Consumer complaint received 2020-08-25
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: MiraMed Revenue Group LLC (IL)

I have a loan with MIRAMEDRG ( Original Creditor : XXXX XXXX XXXX XXXX ) and MIRAMEDRG ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, MIRAMEDRG ( Original Creditor : XXXX XXXX XXXX XXXX ) and MIRAMEDRG ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, 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. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

Regarding Wells Fargo Bank. This complaint is in regarding to be what we ( my wife and I ) would consider to be irregular and possibly fraudulent practices by Wells Fargo in the handling and holding of funds to be deposited into two separate business accounts, under two separate names and of different amounts. Both deposits were in excess of {$7000.00} and deposited via mobile banking on XX/XX/. On XX/XX/XXXX  sometime after XXXX XXXX  we had become concerned that the checks did not post to our account. We contacted Wells Fargo and were advised that the issuing bank, in this case XXXX, had placed a hold on the checks citing possible fraud. To make a very long story short the business, which was a title company that issued the checks along with XXXX went out of their way to prove through documentation that not only that no hold was ever placed on the checks but that in fact the checks were posted cleared and the money withdrawn by Wells Fargo. After innumerable phone calls to Wells Fargo and visits to the branch to speak with the branch manager, they continue to protest that a hold was placed on the checks and were not releasing the funds until the hold was cleared - 7 business days. We believe that Wells Fargo, in fact, was the company that placed the hold on the checks, is in receipt of the money, and holding that money for their own purposes with no regard for the financial impact to the small businesses, to entrusted their money to Wells Fargo. This issue is still unresolved at this date and time and we are without any other means or method or recourse to address the issue and now both businesses have negative account balances and are unable to function or provide business services to our clients. Attached are the check images provided by XXXX of the clear checks clearing on XX/XX/. The business is an account names are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-10
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: Experian Information Solutions Inc. (MI)

After reviewing my consumer reports Ive noticed that I have an account reporting multiple inaccuracies on my report. Three different account statuses, different account numbers, account openings dates, balances, last payment dates, and inaccuracies in payment history.The consumer reporting agencies have assumed an important role and have a responsibility to report consumers information correctly to the best of their ability with maximum accuracy. The account is for XXXX XXXX account number XXXX. Please investigate and provide proof with statements showing that these things on my consumer report are indeed accurate. If proof cant be provided I demand that this account be deleted off of my credit report.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Took out a loan in XX/XX/XXXX for my XXXX XXXX XXXX boat. When the loan documents were received, it was for XXXX XXXX XXXX XXXX XXXX Regular on time payments were made to XXXX XXXX who reported to all XXXX credit bureaus ( XXXX, XXXX, Experian ). Received a notification in XX/XX/XXXX that my account had been closed, yet a balance is still owed. 

Reached out to XXXX XXXX, who stated that XXXX XXXX XXXX took over the loan. In speaking with XXXX, they mentioned of only reporting to XXXX at that time. However there was no communication given from XXXX XXXX or XXXX XXXX XXXX that my account was going to be transferred along with only bureau reporting. 

In reviewing my most recent statements, they are coming from XXXX XXXX still. 

Reviewed my credit report in detail on XX/XX/XXXX for all three bureaus and XXXX XXXX XXXX XXXX is no longer reporting to any bureaus at all.
Consumer complaint received 2023-07-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: The Savings Group, Inc. (CA)

I responded to an ad for a auto refinance loan from XXXX at a rate of 2.99 %, completing an application online. The application was very generic and did not include details on what I was requesting, but I immediately got notification that their had been a hard inquiry on my credit report from XXXX XXXX XXXX XXXX XXXX. I contacted them directly, concerned it was a scam, and they said they would investigate. I later received a notice of adverse action denying my loan. 
I received an email confirmation of loan approval from XXXX from one representative ( XXXX XXXX ), however I ended up speaking with another representative XXXX XXXX XXXX ). 
I was requesting to refinance my loan with XXXX XXXX to : 1 ) lower the term of the loan from 60 months to 36 months, and I acknowledged that I understood that would increase my monthly payments ; ( 2 ) Lower the interest rate ( which was 4.95 % with XXXX ) ; ( 3 ) Replace the current loan company ; ( 4 ) Secure a Loan with no pre-payment penalties. My XXXX was listed as co-applicant. 
After discussing my loan needs with XXXX, she seemed positive that they would be able to do my loan. In the final conversation with XXXX, she states they were unable to accommodate my loan request. She stated they hadn't offered a 2.99 % loan for some time, and also stated that my credit was good and did not factor into their decision. I then received letters of adverse actions from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I sent a letter requesting specific statements for my credit denial from XXXX, and emailed XXXX XXXX also requesting additional information on the credit denial, and received No Response from either. I contacted both of the other companies, and neither offered at 2.99 % loan, and both indicated they had rejected the loan because the information they had was for a very lengthy loan term ( over 70 months ) that they did not offer. XXXX had submitted incorrect information regarding the loan I was seeking because both said they accepted 36 month loans. Their loan rates were higher than my current loan. 
Thus XXXX XXXX XXXX XXXX engaged in a bait and switch advertising offering a 2.99 % loan to get me to apply for an automobile refinance. They provided false information on the terms and conditions of my request to potential lenders, leading them to do inquiries on my credit report that effected my credit rating, and resulting in Adverse Action. XXXX refused to provide details on why they denied a loan they had initially told me was approved. I believe they should be investigated and held accountable for unethical business practices that caused harm to the credit of others. 
I have copies of the advertisement, correspondence with the representatives, Letters of Adverse Actions, and letter requesting additional information on my loan denial. I am unable to download materials but can submit them in hard copy if needed.