davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
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: JPMORGAN CHASE & CO. (FL)

DELETE HARD INQUIRIES In accordance with Fair credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The accounts below have violated my rights. 
15 U.S.C Section 602A. States I have the right to privacy. 
15 U.S.C Section 604 a Section 2 : It also states a consumer reporting agency can not furnish without my written instructions. 
15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report agency containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX sever years. 

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

DELETE THE ACCOUNT BELOW 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
Consumer complaint received 2024-07-23
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (IN)

Netcredit charging me biweekly. With no ending in sight when the small loan will ever be paid off. Been paying on this loan for over a year now. Can you please investigate. Thank you
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (CA)

XX/XX/2024 my bills were intercepted from the U.S. Postal Service. Check # XXXX was written for {$1900.00} for XXXX rent. The payment was not received. A second check was mailed for rent. It was soon recognized that my rent check had been turned into a third -party fraudulent check., deposited as a " deposit only '' into a XXXXXXXX XXXX XXXXXXXX XXXX. My check was so tampered with any layman could see at first glance it should never should have been deposited. When it was sent to my bank for payment it was approved, NOT stopped. ( Please see attach documents ) to date I have received delays, misinformation, claims not filed correctly without any clarification as to who us at fault for my {$1900.00} loss. I feel banking " XXXX  '' is perhaps the cause.
Consumer complaint received 2024-08-02
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: Larry H. Miller Group of Companies (MO)

Dear PRESTIGE FNL, I am writing to formally address a serious violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the relevant laws governing identity theft and credit reporting in XXXX XXXX XXXX MO. 

It has come to my attention that PRESTIGE FNL has engaged in unauthorized reporting to my credit report without my explicit consent. Under federal law, specifically the FCRA, the consent of the consumer is a mandatory requirement for such reporting activities as stated in Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law, particularly under the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. The Missouri Fair Credit Reporting Act outlines similar protections, ensuring that consumers are not subjected to unauthorized reporting. Furthermore, Missouris identity theft laws highlight the seriousness of unauthorized access and misuse of personal information. 

I assert with absolute certainty that I have not provided consent for PRESTIGE FNL to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially damaging my creditworthiness and showing a disregard for both federal and state laws. 

I demand that PRESTIGE FNL immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated XXXX timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including those related to identity theft. 

I want to emphasize that obtaining consent is not optional ; it is a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, which are designed to protect consumers like myself from unauthorized and damaging credit reporting. 

I expect your immediate attention to this matter and anticipate that PRESTIGE FNL will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2015-04-21
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (SC)

I attempted to request a freeze on my credit report via the Equifax on-line process on XXXX XXXX, 2015, but the on-line process was inoperative and advised that the request could not be processed. As part of that initial process, I provided all requested personal information, including my current address, SS number, etc. On XXXX XXXX, I again tried to use the on-line process to place a freeze on my credit information and learned that Equifax had in fact placed a security freeze on my Equifax credit file. This had been done without Equifax notifying me of such freeze or providing me the PIN number I will need to release or terminate such freeze in the future. I was advised by the call-in center ( XXXX ) that the PIN was mailed to a prior residential address where I resided three years ago, even though I gave them my current address when I initially used their on-line process. I was told by her that the old address was obtained from credit reports. I feel that my PIN has thus been compromised. Attempts to resolve this with Equifax have been unsuccessful in part because the call-center phone representative apparently does not sufficiently understand English, which is our only spoken language. I was asked repeatedly for the same information, i.e.., spelling of my name, address, social security number, etc. The process took over 30 minutes, including being put on hold several times. 
This entire interaction left me with some discomfort in knowing that my personal information was given to someone who impressed me as being incompetent.
Consumer complaint received 2016-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

Dear Credit Bureaus : My wallet was stolen out of my car back in XXXX, 2015 and it had my social security card, driver 's license, and all of my credit cards. As a result, I filed a police report that is attach to this letter, with a copy of my driver 's license and bill for my current address which validates my address. My credit cards were closed and new ones had to be issue because the thief used my credit cards and occurred debt without my knowledge. Today as I was reviewing my credit report, I noticed that I have a collections account on my credit report from XXXX XXXX XXXX that does not belong to me.
Consumer complaint received 2024-07-30
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC. (KY)

I filed a complaint with Santander Consumer USA through the XX/XX/XXXX on XX/XX/year> because they did not send me a copy of the original contract like I asked the first time. They did eventually send the contract over through the XX/XX/XXXXhowever, according to the contract, the original creditor is not Santander Consumer USA. I asked Santander Consumer USA to send over the disclosure notices from the original creditor that gives them permission to share my personal information with third parties, they failed to do so. If they cant provide proof that they have permission to have my personal information from the financial institution they need to remove the account.
Consumer complaint received 2024-08-02
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: CL Holdings LLC (PA)

I am writing to express my deep concern regarding several disputed accounts on my credit report. I have repeatedly raised the issue of inaccuracies in these accounts and have consistently requested thorough investigations. Despite my efforts, I have yet to receive 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 2024-07-30
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc. (VA)

XX/XX/2024 XXXX purchase for {$1000.00}. I have submitted my orther form of payment receipt. The transaction was declined at XXXX terminal, so I paid by other means. Cash app card was shows completed and the funds were taken out of my balance. XXXX says the transaction was declined on their end. I have provided cash app with all the information necessary however they keep declining my dispute as no error occurred.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP (MA)

I payed on time and this Account Needs To Be adjusted to Payed On Time. This Account is inaccurate please reinvestage this and get the proper results and Make The account In good Standing. 

15 USC 1666b- A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Consumer complaint received 2024-07-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: Nelnet, Inc. (FL)

I co-signed for my son to attend XXXX in XXXX received his XXXX XXXX and wanted to continue his education, a situation developed where he was unable to continue, he did not use or receive any funding nor myself.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Westlake Services, LLC (MS)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to report a serious issue of identity theft and fraudulent activity on my credit report. An ID Fraud Victim Alert was recorded on my credit report on XX/XX/XXXX, stating that fraudulent applications may have been submitted in my name or my identity may have been used without my consent to fraudulently obtain goods or services. 

I want to clarify that I did not authorize this alert, nor have I been a victim of identity theft to my knowledge. The phone number associated with the alert ( XXXX ) is not mine. My actual phone number is XXXX. 

I kindly request that this alert be removed from my credit report as it is inaccurate and misleading. I am willing to provide any additional information or documentation needed to resolve this issue. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (OK)

On XX/XX/XXXX at XXXX I went to my bank at XXXX XXXX XXXX XXXX XXXX XXXX Oklahoma and resolved my debt that pertained to my overdrawn checking account through the drive thru. I brought my account to a positive balance. XXXX XXXX at my bank told me my account was resolved and in good standing. She the proceeded to turn my account over to Transword Systems Inc for collections for {$150.00} after she tacked on a {$15.00} late fee at the time I made my payment to bring my account current. I got the {$15.00} fee waived after I paid the balance owed of {$140.00} on XX/XX/XXXX. Transworld Systems Inc. generated a collections letter and sent it to me on XX/XX/XXXX. On this letter there was not the disclaimer of " this is an attempt to collect a debt, any information obtained will be used for that purpose ''. I called this company but was put on terminal hold and decided to file a complaint for fraudulent collection practices.
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Data Search NY, Inc. (TX)

The company continues to contact me repeatedly, I have blocked their number but they keep calling me from spoofed numbers from all over the XXXX so my blocking does nothing. It is a bot that is leaving me messages about a debt that I do not believe exists. I have requested information but I've never been able to speak to a real person, and there is no place on their website to get information about any debt I may owe. All the bot-voicemails say they sent me a letter but I have nothing. Additionally, I have checked my credit report and have found nothing that they could be calling about. 

Company : XXXX XXXX Website : XXXX XXXX XXXX Phone : ( XXXX ) XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO Bank, N.A. (CA)

BMO allowed a random person to create checks. No information on the check was correct except for the account number. The wrote XXXX checks for a total of {$49000.00}. BMO never notified me, but they cashed all checks and drained my account. Now they tell me it could take 90 days to recover my funds.
Consumer complaint received 2024-07-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: JPMORGAN CHASE & CO. (AE)

I moved on US government orders and opened a bank account with XXXX XXXX XXXX, which is an affiliate of XXXX XXXX XXXX XXXX with headquarters in XXXX XXXX, TX. I properly linked my Chase account with the XXXX XXXX bank through the external deposit verification process. I was able to transfer funds initially. I tried to transfer funds again but my account was locked and XXXX. I was able to unlock it through calling Chase and explaining the situation. They said it should be fine. I linked the XXXX accounts again through the verification process, but again it was denied and my Chase account was blocked. I called again to unlock it and also ask how to ensure transfers go through, as I live in a mostly cash economy. XXXX the supervisor said there was no way to make these transfers and I should pay to wire funds. This is a XXXX XXXX  and my name is on the account, and now my funds are being held XXXX ; and to access these funds and make transfers, I have to pay expensive fees over the next many years of my assignment here. I asked over and over what I can do to confirm to Chase that I own this bank account, but there is no process, and my account would now continue to be locked if I kept trying. 

Requesting CFPB to look into these unfair transaction fees and practices to use my own funds. I have been using XXXX transfers for many many years. Seems to be discriminatory against military accounts especially.
Consumer complaint received 2023-10-02
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. (CA)

I kindly request that you conduct a thorough investigation into these fraudulent accounts and promptly remove them from my credit report. These accounts do not belong to me, and their presence is negatively affecting my creditworthiness. Additionally, I would appreciate it if you could provide me with a copy of my updated credit report once the investigation is complete, reflecting the removal of the fraudulent accounts. Please find below the details of the fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.
Consumer complaint received 2024-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

On XXXX of XXXX my mortgage was sold by XXXX Bank XXXX XXXX Bank. Since then and until XXXX of XXXX our mortgage was deducted at an agreed upon amount of {$4000.00} per month with no issues. We have no escrow account on this mortgage and never agreed to add one for XXXX XXXX and XXXX. In XXXX of XXXX our auto-pay deduction jumped to {$6200.00} with NO written or emailed communication as to why this was. After speaking to XXXX XXXXk we found out our mortgage servicing was taken over by a Company called SPS ( Select Portfolio Servicing , Inc. ). After trying to speak with multiple extremely rude and unprofessional people at SPS, they notified us that their internal department had determined ( illegally ) that we were underpaying our mortgage ( even though we never had a problem at all in the last year with XXXXXXXX XXXX ) and they also added an escrow account to collect Property Taxes and Insurance, even though this was never agreed to or part of our mortgage agreement. We asked them were the backup for these increases was and asked for it to be sent to us by mail and email and they refused. They said all key documents are in an online portal and they refused to ever send us anything by mail. The referenced a document dated XX/XX/XXXX ( which was never sent to us ) informing us of the incorrect and illegal increase. We asked for them to correct their mistake and they told us they would need to take XXXX weeks to review it and unfortunately, that means that our XXXX payment will have to be at the higher {$6200.00} amount, rather than the previously agreed to {$4000.00} which we had been paying for the prior year to XXXXXXXX XXXX. They said if we wanted to pay less this would be considered a " short '' payment and it might get reported to the credit agencies. They refused to take responsibility for any of their mistakes and are trying to bully us to pay the much higher amount, which is extremely difficult for us to afford. We would like this awful mortgage servicing company to give us back the money they stole through the unauthorized auto-pay they took in XX/XX/XXXX and we demand that they send us all communication from here on out via mail and email. Their criminal behaviour should be addressed as well.
Consumer complaint received 2024-07-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (LA)

My issue is with my Chase Sapphire Signature Card 's Travel Protection which is handled through XXXX XXXXXXXX has refused to pay out for a trip that had to be cancelled due to a tropical storm and instead repeatedly asked for the same already provided documents. It has now been several weeks since they have last answered me and several months since I made my submission. 
The initial claim was filed XX/XX/2024 for a trip that was planned to occur on XX/XX/2024 in the XXXX. The intent was to take a bus from XXXX to the ferry terminal to take a ferry to our final destination at XXXX. Due to a tropical storm we were forced to return to XXXX. The claim was requesting expenses of {$280.00} USD for hotel rooms. Bus Tickets adding to {$35.00}. XXXX adding to {$34.00}. And my travel companions ' hotel room of {$95.00}.
Consumer complaint received 2024-07-23
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC. (AR)

This morning I received and email informing that I was denied a loan. I have not applied for a loan Cashnetusa.com. The last time they did was well over a year ago. I am not trying to take out loans. I am filing this complaint because I believe someone has gotten my information. Please inform these people to stop emailing me
Consumer complaint received 2024-08-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (FL)

Credit Corp Solutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX violated my rights 15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adept collector may not communicate with a consumer in connection with the collection of any debt. 15 usc 1692b ( 4 ) not communicate by post card ; 15 usc 1692b ( 2 ) no state that such consumer owes anydebt ; 15 usc 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or XXXX  that indicates the debt collector is in the business or that the communication relates to the collection of adebt ;
Consumer complaint received 2024-08-01
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: Kikoff Inc. (NH)

You are reporting Inaccurate information in consumer reports concerning me that you have compiled and published to third parties. The following trade-line item is because [ Reason ] : 15 US Code 1666b - Timing of payments and 15 U.S. Code 1681b ( 2 ). 

[ Account Name ] XXXX  [ Account Number ] XXXX The Inaccurate account that you are reporting concerning me is harming me personally, emotionally, and financially, and causing me damage. Should you fail to make the requested deletion, I request that you provide me with the name and address of the person ( s ) that you contacted to allegedly verify the information that I have rightfully disputed.