davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2016-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC (TX)

We have previously filed a complaint about this situation. Our mortgage loan is with Nationstar Mortage. Twice last year ( 2015 ) Nationstar has reported our mortgage loan as a line of credit and have lowered the credit limit. This is not valid as the loan is a conventional mortgage loan. We have tried resolving thing with Nationstar to no avail. They ignore our attempts at resolving this issue. It is against the law for them to report the loan as a line of credit and to lower the credit limit on the account. We feel this personal and malicious. It has lowered the credit score for both borrowers ( husband & wife ) by XXXX points.
Consumer complaint received 2022-12-09
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion violated my rights and did not follow the procedure in case of accuracy. 
I file a dispute XXXX/XXXX/2022 and the company continues to extend the dispute results date. No extension was granted because my dispute did not qualify for XXXX. 

Transunion is not following regulations pursuant to 15 1681i ( a ) ( 1 ) ( a )
Consumer complaint received 2023-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IN)

I have tried to contact this company, and agency over XXXX times on disputes with credit karma and as well as their firm, and I also threatened legal action. If it was not taken off my credit report which was reported incorrectly and I have gotten nothing back besides every time I dispute it, they put the information is disclosed as accurate, I also filed a complaint and report on identity theft.gov and I received nothing back and they just keep dragging my credit score down and its negatively impacting my life and ability to owner and possess belongings or Homes. The debt collector is LVNV FUNDING LLC, for XXXX $ apparently which I was a victim of identity theft and one of my friends stole my information and used it against me and I still have not found out who but I have been dealing with this for over 2 years now and its time its removed from my credit report and the derogatory marks removed or I will then go and sue this company.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I am writing to file a formal complaint against Capital One regarding the unjustified freeze on my account following a wire transfer. Despite providing all the requested supporting information, I have received no adequate communication or resolution from the bank. Below are the details of the incident : Account Information : Incident Timeline : Wire Transfer and Account Freeze : Date : XX/XX/year> Description : On XX/XX/year>, a friend of my family initiated a wire transfer of {$53000.00} from my Capital One account. Shortly after this transaction, my accounts ( checking and saving ) was frozen without prior notice or explanation from Capital One. 
Supporting Information Provided : Dates : XX/XX/year> Description : On XX/XX/year>, I provided all the requested documentation and information to Capital One to verify the legitimacy of the wire transfer. Despite this, my account remains frozen. 
Contact Attempts : Phone Calls : I called Capital One customer service on XXXX separate occasions to seek information and resolution regarding the account freeze. 
Branch Visits : I visited the Capital One branch at XXXX XXXX to discuss the issue in person. On each occasion, the bank representatives were unable to provide any concrete information or timeline for resolution. 
Impact on Financial Obligations : Inability to Access Funds : Credit Card Payment : I have been unable to pay my credit card, resulting in potential late fees and damage to my credit score. 
Other Obligations : The freeze has prevented me from paying my rent and my utility bills totaling. This has caused significant financial and emotional distress. 
Formal Complaint to Capital One : As of today, XX/XX/XXXX, my account remains frozen, and I am unable to close the account, transfer money, or perform any transactions. Capital One has not provided any substantive information or resolution regarding this issue. 

I appreciate your prompt attention to this matter. Please let me know if you require any further information or documentation. 

Sincerely, XXXX.
Consumer complaint received 2024-04-23
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

I am writing to follow up on the unresolved issues regarding the investigation of my accounts. Previously, JPMorgan Chase closed three of my accounts and initiated an investigation. After involving Consumer Finance, I thankfully received refunds for two of these accounts. 

However, the investigation into my third accounta savings account with the number XXXXremains unresolved. It has now been almost 120 days with no clear update, despite the initial investigation supposedly covering all three accounts. The sum in question is just under {$4000.00}. 

I believe there may be an oversight or a failure in the system updates, which is preventing the resolution of my case and the return of my funds. Given that the issues with my other two accounts have been satisfactorily resolved, I am hopeful that we can expedite a similar resolution for my savings account.

I would appreciate a prompt response to this matter, as the continued delay significantly impacts my financial well-being. I have been more than patient, 120 days and counting.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

XXXX XXXX XXXX AccountXXXX  Date of first delinquency shows XX/XX/XXXXXXXX  and date of major delinquency first reported shows XX/XX/XXXX. Date of last payment shows XX/XX/XXXX. 

I informed Equifax this information was inaccurate as the auto was voluntarily surrendered in XX/XX/XXXX. I did not make any payment in XXXX  as the auto was no longer in my possession. This item has been reported incorrectly in an effort to remain on my credit report.
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I was notified via text message by Chase that there was suspected fraud on my account and it was restricted. I proceeded into my local branch and after XXXX hours at my local branch and the personal banker and myself being transferred between XXXX different departments, a fraud XXXX said that chase was terminating their relationship with me and they intended to restrict over {$2000.00} of my money for XXXX business days. Hours later we agreed the {$330.00} for payments due to Chase would be held and the rest released to me that day. On XX/XX/XXXX I received an email that the account was closed and there were fees associated with the {$330.00} accruing. The money seemingly disappeared into an abyss of Chases incompetence. I watched very detailed notes entered into my account. Apparently those disappeared as well. I am now being assessed fees for something that I have XXXX control over, as I am unable to access the account- UNLESS I give Chase access to an outside bank account. However, the money to cover the amount owed was left in the account. This is so illegal and its incredibly predatory. I KNOW its happening to other people. There was always plenty of money in that account, it was never overdrafted, and never had a single issue with it.
Consumer complaint received 2024-02-25
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

hello, This XXXX XXXX. My bank account is closed. 
Chase bank send me the check I didnt get it. I have check the mailbox and USPS POSTAL they say the check will be send back the chase bank. I want to know the check. Can you help me send again
Consumer complaint received 2024-02-05
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: EQUIFAX, INC. (FL)

Complaint Letter to Delete Inaccurate Information Dear Sir or Madam : I respectfully request your prompt attention to the following inaccurate information on my credit report. For your convenience, the disputed item is listed on the enclosed page of my credit report. 

The following item is inaccurate and negatively affects my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents, or any instrument bearing my signature. Failing that, this item must be deleted. 

XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX It is my understanding that under law you have 30 days from the receipt of this letter to verify this item. It should be understood that failure to do so within 30 days constitutes a reason to immediately delete this item from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ).

Also, under 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.
Consumer complaint received 2024-05-30
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (NY)

I was in a 3 year lease with GM Financial and my last lease payment was XX/XX/year>. I've never been late, or missed a payment. Regularly checking my credit report, I noticed GM Financial flagged my account with a 30 day late payment, dropping my score XXXX points! I reached out to GM Financial and they made me send bank statements to verify that I paid. I never heard anything else from that point on and my score never went back up. With my lease being in the last month, the dealership advised me to fix a few scratches before handing it in. The auto repair shop was directly next door to the dealership and when the vehicle was fixed, I drove to the dealership to turn it in. Upon arriving to the dealership employees and customers were all packing up and walking out. The manager locked the doors and said they were locking everything up because of XXXX. ALL dealerships and businesses were shutdown. In phase 3, after keeping the car for an additional 3 months, I was finally able to turn it in. GM Financial was now trying to charge me late fees, amongst other fees. I tried to speak with management and was given the run around.
Consumer complaint received 2024-02-05
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (IL)

I purchased a plane ticket and received a single confirmation number XXXX XXXX. However, a company issued XXXX loans for the same amount, each with a different loan number. They sent only one confirmation email for one loan, but charged my bank account for both loans loan numbers. 

I called several times and filed multiple disputes, but they refused to help. I had to cancel my ticket with XXXX XXXX, who refunded one loan, but the duplicate loan remained active. Despite my efforts to resolve this, including disputing the charges, the company was uncooperative and claimed my ticket might have cost more than {$360.00}, which it did not. 

During my attempts to resolve the issue, I was often put on hold, hung up on, and transferred without resolution. I finally spoke to a supervisor, XXXX XXXX, who said I wouldnt be charged further while the dispute was ongoing, but my payment for the month had already been processed. 

This entire experience has been extremely frustrating.
Consumer complaint received 2024-02-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I dispute the accuracy of my credit report, specifically, the following accounts that do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inclusion of these accounts not only inaccurately represents my credit history but also raises concerns about non-compliance with the FCRA.
Consumer complaint received 2023-08-31
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (WA)

Chase offered a {$2000.00} bonus payment for maintaining a {$250000.00} balance in a new account for 40 days. We followed the directions and met with a chase representative, who led us through the process and said that we met the terms and conditions. We have maintained this balance since XXXX yet Chase is refusing to honor the bonus payment. 

The Chase representative, XXXX, is now saying that she made a mistake and the account we opened should have been in a different category. She is the one who advised us on the account we should open, gave us the code to use, and maintained that our account met the terms. If Chase is not honoring this payment now this is fraud.
Consumer complaint received 2024-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (MN)

This debt was sent to collection by XXXX  an auto insurance the balance was {$170.00}. 
i contacted the debt collection agency and i told that if i pay XXXX, i will be removed from my credit and i would not have to worry about it anymore. 

I paid the amount required but it is still being report of my credit while i do not owe them any money. 
They lied to me saying that it will be remove within 30 days but they have not respected their statement.
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: EQUIFAX, INC. (CA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 2023-07-21
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: Experian Information Solutions Inc. (TN)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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 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 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 2024-05-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX JPMCB CARD XXXX XXXX XXXX XXXX, DE XXXX XX/XX/year> Re : Account number : XXXX I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with your company name for many years. 
During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, 2 years ago, I was in a financial dilemma due to job loss and multiple health issues. As a result some of my payments to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I paid those payments 30 days late on three occasions over a nine-month period but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those XXXX late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 
This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and fax it to the credit bureaus to remove those entries. 
The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. 
Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Consumer complaint received 2024-05-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (MN)

AMSHER COLLECTION SERVICE Account # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXXXXXX XXXX Trying to communicate with me through my consumer report which needs to stop. 15USC 1692 CC Holds Creditors Liable ( c ) Ceasing communication. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Consumer complaint received 2024-02-05
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. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.