davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (TN)

I purchased a XXXXXXXX XXXX XXXX XXXX XXXX  after activated my card was closed and upon speaking to customer service representatives it was the same guy using a different name I was told they would send a replacement card with less money then what I had payed for after making no purchases, after disagreeing with the amount to the representatives I was basically told to bad. Im appalled at this and demand a refund.
Consumer complaint received 2024-10-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Goal Structured Solutions, LLC (FL)

I enrolled in a course at XXXX at XXXX online. I financed the course thru Launch Servicing. After I started the course I was having issues accessing my course. So I requested to cancel out of the course. Launch servicing refused to Cancel the contract stating that the Cancellation period had expired after 10 days of enrollment. Note that since my previous claim no : XXXX which is closed, I have found an attached Email that I sent to XXXX as of XX/XX/XXXX ( 10th day from the day that I entered the online course as of XX/XX/XXXX ) expressing my frustration and my desire to cancel out of the course. My Instructor/Advisor have ignored my request to cancel ( see attached ). 
To put things in perspective and the fact that I was not able to access the course. I have sent a total of XXXX Emails to my XXXX XXXX XXXX between XX/XX/XXXX and XX/XX/XXXX. In addition, I have made XXXX calls to XXXX Customer Support between XX/XX/XXXX and XX/XX/XXXX. Out of the XXXX calls, I have been hung up on 5 times. In total from XX/XX/XXXX to XX/XX/XXXX I have made a total of XXXX calls to customer support. 
In light of this I don't feel justified in making any further payments.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I went online today and discovered the following transaction : XXXX XXXX XXXX XXXX {$4.00}. I reported this transaction to my bank and a live agent XXXX however when she noticed the cards had my name and my spouses name ( she stopped being helpful because of us being a legally XXXX XXXX  ). We tried to deal with it anyways, but XXXX kept disconnecting the USAA cyber chat  and booting us from the chat for such a serious matter. It never did get resolved.
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (VA)

woke today see my account was negative {$1000.00}. I called the bank imagine that there is an error where it was duplicated A charge. They mentioned that I can use my card without any fees ( They think that they are doing a favor by doing that while they are the one who made the mistakes and prevent the rest from getting to our money ). I use the card at a grocery store and still got declined. When I call to complain they hung up on me and just said to wait until XXXX XXXX. On Friday I usually do all of my grocery shopping and that's when I get most of the stuff for my family. When we make mistakes we get charged fees when they make mistakes we're supposed to shut up and take it. I thought this is America.
Consumer complaint received 2024-10-19
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: AMERICAN EXPRESS COMPANY (NV)

Customer since XXXX of XXXX On time monthly payments, made up XXXX missed payments. Utilization percentage rate is stopping me from getting approved through other companies. My account keeps changing. My utilization percentage rate should not be at 103 % and last week on XX/XX/XXXX it was 100 % utilization percentage rate. My bill is not due until the end of every month which is the XXXX of XXXX.
Consumer complaint received 2024-10-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (VA)

Newrez ( Shellpoint Mortgage ) services my home loan. 

Per my loan documents, there is no penalty to an early payoff, and I started making two monthly payments in advance of the due date in order to pay down interest and pay off the loan faster. However, instead of applying my payments towards my loan when they are received, Newrez ( Shellpoint Mortgage ) holds my money in a different account and only applies my payments to my account as a on the due date. 

In addition, they are deducting an incorrect monthly amount for insurance. My insurance is paid annually from my escrow account, so a deduction for escrow is expected. However, in addition to the amount set aside for escrow, they deduct a monthly amount for insurance that is way more than what my insurance would be if divided into monthly payments.

I have tried to resolve these issues with Newrez ( Shellpoint Mortgage ), but their communication options make it impossible to properly address issues. Their customer support phone agents do not know how to help and tell me to contact them in writing. However, they do not provide any email address, only their website contact form, which, when it works ( about half the time ) does not register the content of the message, only that I contacted them. This way, they keep no records of my side of a conversation, only of their responses. I assume is so that they will not be liable or accountable for addressing the issues from the inquiries. The responses I receive from my inquiries through their website contact form are off topic and do not address the issues I contacted them about. 

On a side note, I noticed that Newrez ( Shellpoint Mortgage ) has the lowest possible rating with the XXXX, with over XXXX XXXX complaints in the last few months. Based on hundreds of complaints, I'm surprised that they are still permitted to operate as mortgage managers.
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY (WA)

Wells Fargo delayed the posting of a direct deposit, which showed that the incoming deposit was immediately available. I subsequently made a withdrawal that brought the balance to {$500.00}. Wells Fargo then delayed the deposit amount to the following day, which forced my account to incur a $ XXXX  monthly service charge. 

Wells Fargo, by not accurately displaying the timing of the application of the deposit, manufactured a service fee that otherwise shouldn't have been applied. This method is unfair to consumers, and should not be allowed. 

Finally, when I called XXXX I was unable to talk to a human representative, as the touch-tone menu placed me into an option-loop.
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (AL)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-07-25
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: EQUIFAX, INC. (SC)

" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''
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: Experian Information Solutions Inc. (MD)

This morning, I was shocked to find inaccurate accounts on my credit report and have no idea how they got there. I checked my report as I normally do, but this time there were unexpected discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the wrong accounts remained. Im asking that you thoroughly review the documents Ive sent so I can put this worry behind me once and for all.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

On XX/XX/2023 received a letter dated XX/XX/2023 from Chase Bank with the following : We have decided to close your accounts. 
I have called Chase three separate times at the following number XXXX and spoke with Chase representatives about the letter seeking an explanation. None was given. The first call 's representative referred me to language in the agreement when opening the accounts which states that Chase reserves the right to close accounts without reason. 
I believe this is discriminatory actions based on race, religion and/or political views. 
My wife is the primary owner of the accounts being closed and she hasn't received a notification of the closures.
Consumer complaint received 2024-10-24
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. (ID)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

XXXX XXXX XXXX XXXX XXXX, XXXX, Nc, XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Metro 2 Compliance Investigation Request and Dispute of Inaccurate Account Information Dear Experian, I am writing to formally dispute the accuracy of the following account information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The account in question does not comply with the required Metro 2 reporting format, and I request a thorough investigation into its accuracy : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card Date Opened : XX/XX/XXXX Status : Account charged off, balance of {$1300.00} written off Credit Limit : {$1000.00} Highest Balance : {$1300.00} Balance as of XX/XX/XXXX : {$1300.00} Upon reviewing my credit report, I believe this account information contains inaccuracies that need to be corrected under the Metro 2 format for accurate reporting. Specifically, I am challenging the following aspects of this accounts reporting : 1. Charged-Off Status : The status indicates a charge-off, but the information does not reflect whether the account has been verified under the correct Metro 2 guidelines , including correct data points like the Account Status and Payment History.

2. Balance Discrepancies : The balance has been written off as {$1300.00} but still reflects an outstanding balance. There appears to be inconsistency in how this has been reported under the " charged off '' and " written off '' statuses, which must be clearly stated and resolved. 
3. Compliance with Metro 2 Standards : I request an investigation to confirm whether the reported data fields such as Account Status, Payment Rating, Payment History Profile, and Balance History are in full compliance with Metro 2 format, as required under FCRA and the Credit Reporting Resource Guide ( CRRG ).

I kindly request that you conduct a thorough investigation of this account and ensure all data fields comply with the Metro 2 format. If any inaccuracies or non-compliance with reporting standards are found, I request that the information be corrected or removed from my credit report. 
I have attached a copy of my credit report with the disputed account highlighted for your reference. 
Thank you for your prompt attention to this matter. I look forward to your response within the legally required 30-day timeframe. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-17
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: Experian Information Solutions Inc. (CA)

I received XXXX hard inquiries on my credit profile that were unauthorized by me there were XXXX from XXXX  XXXX and XXXX from XXXX  XXXX  company I contacted the credit card companies involved as well as the credit bureau and the credit card company agreed to remove the inquiries but Experian has yet to remove them
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 1681 section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-07-25
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. (MD)

I am writing to express my concern regarding the disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies, I have not received any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain 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 verified that these accounts are being reported correctly? Who verified these accounts? 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 accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-24
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: Experian Information Solutions Inc. (OH)

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 XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.