davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-18
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: Experian Information Solutions Inc. (NV)

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items were being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, 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 UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. 
Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listed XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX
Consumer complaint received 2024-08-01
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Upstart Holdings, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX upstart XXXX XXXX XXXX this is fraud. how dare you make an unsolicited offer of credit to me. I have placed stops with all credit bureaus. 

my trades are NOT settling. spot is fraud. you are bankrupt. 

pay me NOW! 

I have suffered over a XXXX dollars in losses so far. 

$ XXXX " hardship loan 'XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Sunday XX/XX/year> they first replace my phone SIM card hacked my email address, that time i immediate contract chase bank 3 times to freeze my account because i cant access my bank XXXX, they confirm it freeze and advice me visit nearest branch but next day Monday XX/XX/year> XXXX when i am inside the bank some on make a wire transfer my chase bank checking and saving both account money around {$100000.00}. first they transfer {$80000.00} then {$20000.00}. i am really surprise my A/C is freeze and their is a limitation in bank you cant make wire transfer more then {$25000.00} per day but they took {$100000.00} my hole life income in a day, I am inside the branch that time transactions was pending I request to cancel the wire transfer but they dont help me. Chase local employee already told me this is unauthorized wire transfer. I give a complain in fraud department and they give a claim no I have police complain, it's all ready 2 months gone they dont give me any update, Now I visit the branch every week 3 times XXXX hours I spent in the bank still they are investigating.
Consumer complaint received 2024-09-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

On XXXX I was charge for a service I never requested through PayPal I created a dispute but still sidder with the scammer. I have asked for receipts and proof that I authorized this and too date they have not been able to show me.
Consumer complaint received 2019-06-26
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. (NY)

I have sent disputed letters asking for the unverified late payments to be removed for the year of 2015, they only removed 2 late payments, there are still unverified late payments on my accounts, If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ) under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.
Consumer complaint received 2024-09-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (AR)

I have tried to get on the SAVE plan since early XXXX when first applying. I called later because my paperwork was denied and I was told that it should be fine and to submit my W-2 again. Now Im being told the second submittal from XX/XX/year> was never received and my application was denied from lack of signature and they can not help me in any way. I can apply for deferment but no guarantee it will be approved and will be past due for a payment I can not afford. Ive tried to submit the paperwork more than once and was never told about there needing to be an adjustment official signature and now Im being pushed aside like nothing. I was told there is nothing they can do for me although Ive done everything I can to make this work. To top this all off I was unemployed for the last two weeks for XXXX and just started my new job in XXXX. The rep tried to dismiss me as soon as I got on the call which caused me to blow up. Between the horrible service and poor communication I am left with a debt I can not repay with no real options for help.
Consumer complaint received 2024-08-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (OK)

Leaving my transactions pending and not properly handling my account. Just totally throwing our account off so they can charge me XXXX bucks everytime and multiple times.Keeping my account negative like it says my account been overdrawn since XX/XX/XXXX even though I had deposits made after XX/XX/XXXX. Hanging up on me when I confront them consistently. Offer me overdraft protection but at their discretion so even though I have this protection, they see where they can charge me so they say well it's up to us to allow that even though I have this protection.They try to XXXX you every chance they get...
Consumer complaint received 2024-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC (CA)

Wrongful Foreclosure, Trustee Sale of our home, on XX/XX/scrub>XXXX XXXX XXXX initiated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fay Servicing XXXX XXXX, serviced # XXXX. Apparently the loan was sold, transferred or paid in full, we the minority XXXX family have been left in the dark. New material evidence, by the California Attorney General XXXX, our home was not listed as a Residential Foreclosure Sale, by an Eligible Bidder, written notice of XX/XX/year>. We believe their been an violation of the Truth-In-Lending Act, CA, Civil Code XXXX as well as the CA, Civil Code XXXX ( i ). We the minority XXXX XXXX, are currently residing in our home, despite of the Fraudulently, Illegal, Conveyance. Per Qualified Written Request, I have reached out to Vice President of Fay Servicing : XXXX XXXX XXXX, in reference of our concerns of the mortgage loan and the Unlawful Foreclosure. We the minority XXXX family, have suffered damages and Irreparable Harm.
Consumer complaint received 2024-09-04
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (TN)

I am disputing a debt that was added to my credit report that I do not own. I have disputed it multiple times without resolution. I have requested debt validation and verification, but have not received anything showing that this debt is owed by me. The company sent me back an invoice with an address that wasn't mine. They sent an electronic form ( printed ) with no personal identifying information other than my phone number. The signature is also not mine and is a digital signature with only XXXX letters. I have sent multiple communications to the company, but the debt remains on my credit report without any proof that it belongs to me.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: Paypal Holdings, Inc (CT)

I received a PayPal debit card at my address with my name on the card. 
I did not request a debit card, I called PayPal to check on this. PayPal said that my SSN and address was used to open another PayPal account with same name and different email address and phone number. 
I confirmed my identity and asked PayPal that the new account is a fraud, I asked PayPal to send me receipt of acknowledgement that I have reported this and they are working on it. 
PayPal refused to provide me any acknowledgement that I reported something like this.
Consumer complaint received 2024-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (TX)

My investment property at XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX burned on XX/XX/year>. It was a total loss. The mortgage was held by Mr. Cooper. XXXX XXXX XXXX XXXX  settled the claim. I paid off the mortgage on XX/XX/year>. During the difficult process of paying off the loan, I inquired about the balance of my escrow account and was told it was {$4100.00}. I asked that it be returned to me. As of XX/XX/year>, the amount had not been refunded so on that date at XXXXXXXX XXXX central daylight time I called XXXX and spoke to XXXX. XXXX said that a check for the escrow balance was mailed to my address on XX/XX/XXXX. My response was that I had not gotten the check and to please re-issue another check. She said another check would be issued in 5 business days.

I have patiently waited for my refund and it STILL has not been returned. Return my rightful funds please. 

The loan number on the account is XXXX.
Consumer complaint received 2024-09-12
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC (MI)

I paid for them to fix my credit and Lexington was sued that company also said I would get refunded for the months they took over and I never received money back that Lexington took out after this other company took over. So I have messed around by both companies
Consumer complaint received 2024-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd (FL)

I was sent {$2100.00} to Wise to go to my bank account from XXXX ( a prop trading firm ). I completed the application on the XXXX of XX/XX/year>. XXXX processed this application on the XXXX of XX/XX/year>. Then I created a Wise account to receive this payment of {$2100.00} on the XXXX of XX/XX/year>. Wise then updated me on the payment on the XXXX of XX/XX/year> and told me the money would go into my account on the XXXX of XX/XX/year>. When the XXXX of XX/XX/year> came around, I did not receive my money. Then they sent me a receipt falsely showing that I received the money into my account on the XXXX of XX/XX/year>. Wise is showing that the sending company, XXXX sent the money, and Wise has not been helping me at all with the problem. Wise claims that they can not send the receipt to the recipient, but I already have the faulty receipt.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (MI)

Violation 15 U.S. Code 1681i - 1st violation- Reporting inaccurate information with malicious intent. You have been provide with identification for this field and have fails to update it on numerous occasions. You have prolonged the dispute process while not once running an accurate dispute or reviewing dispute information. Delete, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX  have all been disputed correctly at XXXX and removed from my file as the do not belong to me 2nd violation, willingly ignoring CFPB information as further negligence toward file.
Consumer complaint received 2024-07-12
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. (TX)

I appreciate your assistance in removing again some fraudulently obtained information from my credit file, but there is still something I provided along that has to be removed. Credit Bureaus are required by FCRA section 605 to remove any items that are listed on an ID THEFT REPORT. This report was included in a previous letter, which I am including again out of initiative. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXXXXXX XXXX : {$560.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$2300.00}
Consumer complaint received 2024-09-11
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Byrider Franchising, LLC (WI)

I returned the vehicle to JD by rider and they are still wanting the whole amount for the car after they have already sold the car they have not deducted anything from the price that they received from the car. I have attempted to pay a lesser amount, but they refused.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : 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
Consumer complaint received 2024-09-10
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX there were XXXX XXXX payments pending in my account. When I saw this and I had not approved the transactions, I immediately contacted Chase fraud division to report it. I asked that the payments not be sent. I was told by the fraud division to close the account, open a new one, and they would investigate. The temporarily place the funds back in my account. 
The next day the two payments, each for {$5000.00} was paid from the new account. I again called the fraud division, and they said they were investigating it. They then placed an email on my account page that the case was closed. 
I investigated the access and found that from XXXX M to XXXX AM on XX/XX/XXXX, there were multiple attempts to sign into my account. At XXXX AM, the XXXX debits were requested and made. Neither I nor any family member approved these transfers. 
Further investigation led to the IP address coming from XXXXXXXX XXXX  I know of none there and have never been there. The fraud division said it was the same IP address used in the past by me. This can not be true. I believe the bank was in error in making the payment and not investigating properly and returning my funds.
Consumer complaint received 2024-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-09-03
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION (MO)

I was not able to continue to make payments on my vehicle after XXXX of XXXX. I later contacted Capital One Auto Finance to settle, however, the amount they wanted to settle for was more than I could pay. Around XX/XX/XXXX, the vehicle was repossessed. I did not receive notice that the vehicle was going to be repossessed. Finally, in XX/XX/XXXX I received an email that I owed a deficiency balance. Missouri state law, specifically, RSMo 400.9-614 requires that the party send a notice of sale of collateral. I never received this notice and therefore I did not have the right to redeem. I don't know when the car was sold, the amount it was sold for, where it was sold, etc. My understanding is that due to Capital One 's failure to provide this notice, they can not collect a deficiency balance from me, however, they continue to try to collect.
Consumer complaint received 2024-09-06
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (MI)

I summited reports for a chase freedom unlimited card that was opened in my name. I provided a police report and an email conversation who I think opened the credit card and they said that it was not evidence even when it was. I am a XXXX individual and I can sometimes be taken advantage of
Consumer complaint received 2024-09-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Chime Financial Inc (TN)

I was contacted by a company called XXXX XXXX XXXX  they also went by XXXX XXXX. They told me I owed them money in XXXX for a payday loan turns out it was a scam and I paid them XXXX dollars. Not the real Place is calling and my bank wont refund the money.
Consumer complaint received 2024-09-03
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (PA)

good morning, ever since covid most of us have problems with job loss and payments, I feel behind payments with Chrysler capital and since XX/XX/XXXX this account have been charged off but they still they are reporting late payments on my credit report a total of XXXX with is being hurting my credit, on XX/XX/XXXX I received text and phone calls that they will come to repo the car, never did, I was still paying for full coverage insurance, in XX/XX/XXXX I call them to come and get the car because I couldn't continue paying for insurance on a car I couldn't even register again they never did, I parked the car Lon the street and the police took the car, I called them again on XX/XX/XXXX and an representative told me they didn't get the car because it was going to cost them. 
account XXXX
Consumer complaint received 2024-09-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (IL)

This company placed an erroneous collection on my credit file. I requested that the company provide me with purchase agreement between their company and the alleged original creditor authorizing them to collect on their behalf to which they have not done so as of todays date. 

The company provided me with that appeared to be an account statement which is NOT what I asked for. I asked for them to provide me with a purchase agreement, authorizing them to collect on the alleged original creditors behalf. 

I have never done business with this company and have never shared my personal identifying information with this company. 

Moreover, obtaining and using my personal identifying information without my express written permission is a form of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - a person commits identity theft when he or she knowingly : uses any personal identifying information or personal identification document of another for the purpose of gaining access to any record of the actions taken, communications made or received, or activities or transactions of that person, without the XXXX XXXX permission of that person Additionally, while reviewing my credit report, this collection account is not XXXX Compliant as the XXXX XXXX, Data Reporter Name, Credit Remarks, Data Reporter Telephone Number is inaccurate and inconsistent between XXXX, XXXX, and XXXX.
Consumer complaint received 2024-09-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (GA)

Zion holding is attempting to collect a debt for XXXX. The debt was opened XX/XX/year>. The company is XXXX. The company has never reached out to me nor sent any letters about this debt. Ive disputed this debt numerous times. If the company is going to add a debt to my credit report. The debt needs to be validated. The company has not done anything to address this debt. According to the FCRA Section 605B. It is illegal to report information on my credit without my permission please remove this item from my credit report.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Consumer reporting agencies continually furnish my income on my consumer reports. I wrote letters with evidence and still no deletions have been made. They continue to break the law and defamation of character. In violation of 15 USC 1681.