davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (KS)

On XX/XX/year>, I used my Chase XXXX  card to pay off a car loan. The payment was to XXXX XXXX for {$2800.00}. 

On XX/XX/year> Chase charged my account {$140.00} for a " Transaction Fee '' On XX/XX/year> Chase charged my account {$41.00} for " Cash Advance Interest '' On XX/XX/year> while reconciling my CC statement from XXXX I noticed these charges and contacted Chase bank who told me anytime you pay " ANY '' financial institution with your Chase card you will be charged a Transaction Charge as well as interest from the date the transaction occurs. This is or should be fraudulent. 

On XX/XX/year>, Chase agreed to remove the transaction fee but refused to remove the interest charge.
Consumer complaint received 2024-09-08
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. (NC)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-08-07
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

In XXXX  we signed up for solar panels and had to take a loan with Dividend to pay for them. We were told we would get a large tax credit of something like {$15000.00} that we could apply to the loan and our payments would be less than {$300.00} a month. Well, we didn't get anywhere near that much. We got very little back. So we've been paying almost {$500.00} a month all this time. We'll, at first everything seemed OK. We got an electric plan that paid us decently for the w energy we produced. So our electric bills were very, very small. Well now it seems those plans that actually pay you for your energy all went away or they offer only a XXXX or two for the energy we produce. Additionally we've had lots of problems with the equipment. We've had an inverter go out twice on us. The installer we originally purchased from has gone bankrupt. So our 20-year warranty is now worthless. When an inverter goes out it takes months and months and months to get a replacement and then we have to pay someone to install it. Meanwhile we aren't producing any energy. Our electric bills are routinely {$500.00} a month now. We can't afford that plus the almost {$500.00} for the solar panels which barely do anything for us. I feel like we were misled about the original terms and the tax credit. I feel like our contract has been breached because the warranty is worthless since the company went out of business. We don't have recourse against anyone for a system that's barely functioning. I want nothing more to do with this solar mess. It has just cost more and more and more money when I thought it was going to save us money. It was all lies.
Consumer complaint received 2023-04-22
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. (OK)

Please see attached correspondence mailed to Experian. Experian followed with an email ( also attached ) stating that it appeared the dispute didn't come from me. This is a ridiculous response and evidence that Experian is using automation to avoid actual investigations. I provided a driver license, social security card, and a bank statement as identity verification.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (GA)

To whom it may concern : The right to contest my credit report is something that every American has. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I am exercising this privilege. I understand the nature of these proceedings - it's not just about whether or how much money was owed ( although we will explore both ), but also what kind of debt load can have on your life if they're left unchecked! The report-ability of any derogatory and or delinquent act is often times questionable. I challenge this notion as I do not believe in reporting something unless there's factual documented proof to support it. You must report compliantly and accurately per federal and applicable reporting laws of my state. It is unlawful and unethical to retain any information which you know or should know does not comply with regulations.This letter to you serves as a wake-up call to you to ensure that all data with my credit report is factual and in compliance with XXXX XXXX format reporting standards. I request that you validate with physical ( in writing to me as a response ) verifiable proof of permissible purpose for any of the alleged delinquent/derogatory accounts allegations of inquiry ( ies ) .Thankfully, I'm giving you XXXX  days to complete your investigation into the validity of this claim. If it's current and compliant with regulations then we'll leave things as they are ; but if not - well... I demand that you remove them from reporting ( my credit report ) immediately.I request that you send me physical documents proving your action ( s ) and my updated personal credit report following any correction ( s ). The following items appear questionable in reporting! Please ensure that each item below is accurate, reporting compliantly, completed and timely being reported or DELETE immediately :
Consumer complaint received 2024-07-17
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: JPMORGAN CHASE & CO. (TX)

It is more than 3 weeks passed, I have informed 3 credit bureau ( by electronically, phone and postal ) regarding fraudulent charges and unauthorized transaction in my credit. I have filed it online with relevant documents. I have provided relevant document in support of my evidence. But it is unfortunate, being a guardian of the citizen and netizens of a 1st world civilized country how that has been taking so long and remain unresolved. Is it just because I am a non-native person and not an American citizen. Does not it talk about the equal opportunity and against all sorts of racism. 
I was out of a country for 10 years and after I have return to USA, I have found someone made unauthorized transaction with some credit card which I am completely unaware of. Is that the way they treat and welcome the immigrant with so much hate and discrimination? I am appalled and dishearten to witness that type of severity and hostility. However, I still have hope that some good people still exist on earth and justice will prevail. Imagine someone misused your card and make charges against you on your incognizance, will that be fair to you? 

So, I request credit Bureau to remove the flag of charge off against my credit report that is completely illicit, unauthorized, and happened without my knowledge, and permission. As a guardian of the citizen and their well wisher credit Bureau will understand the fact and situation of the matter and assist the victim to get rid of the false charges. 

I have also called the chase credit card/charge off department. They were extremely rude, misbehaving and non-cooperative in a distasteful manner. None of them helped me to resolve the matter. I have also informed the federal trade commission as well. 

Being helpless, victim of a fraudulent dispute, loner in a country of justice and democracy, I have to seek your help to kindly assist me to resolve my matter and give justice to a netizen/citizen being a guardian of the customer and country. 

Looking forward for your co-operation and justice Thanks Sincerely XXXX XXXX
Consumer complaint received 2024-02-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (GA)

I have a venmo account with email : XXXX that was suspended for no reason and I have all my documents uploaded it has {$720.00} in account and I want my money now. Account was frozen for no reason.
Consumer complaint received 2024-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Midwest Loan Services, Inc. (VA)

I own XXXX different condominiums throughout the country, all serviced by different servicers, yet Midwest Loan Services is the only one who refuses to do any basic due diligence to secure condominium master policies on their own. Instead of spending any basic resources on securing the condominium master policy on their own, they spend resources on sending letters threatening to secure their own master policy, and billing the borrower. I sent the master policy to Midwest Loan Services through their portal and am attaching it to this complaint as well. Their practice seems especially fishy because they think it's prudent to do no due diligence whatsoever on reaching out to the condominium association, and probably getting kickbacks or other benefits from whatever master insurance policies they seem to be rushing to put on the properties.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Despite so many requests by mail to TransUnion I still have discrepancies regarding my personal details that need immediate correction. 
The correct personal information listed on my credit report does not match where I currently reside, and I have been requesting that the following mirror my : Driver License and Passport as proof of identity. In XXXX I reported this issue to the FTC AND CFPB, again still no change so I would like to know why it is so hard? In accordance with the Fair Credit Reporting Act ( FCRA ), I request an immediate correction of this inaccuracy. Attached is the past reporting to the FTC
Consumer complaint received 2024-07-09
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: ARS National Services, Inc. (WA)

On XX/XX/XXXX, I entered into an agreement with ARS National Services Inc. to resolve an outstanding debt with XXXX. The payment arrangement letter is attached. I proceeded to make all the automated payments listed in the arrangement through XX/XX/XXXX including a {$100.00} payment made in XX/XX/XXXX. My bank statement pages are attached showing all payments made. In XX/XX/XXXX I had a negative balance on the day the automated payment was attempted. 1-2 days afterwards, I had a positive balance. My XX/XX/XXXX bank statement page is attached. I never received notification either verbally or in writing that this final payment was missed. It wasn't until I received a settlement offer letter from Client Services ( see attached ) in XX/XX/XXXX for the same XXXX account that I realized there was an issue with my ARS National arrangement. When I contacted ARS customer service, I was told that they do not notify people when a payment is missed. They simply cancel the arrangement and treat the arrangement as null and void. Any monies collected as part of the arrangement up until that point are kept by ARS and not sent to their client, XXXX, to satisfy the debt. I believe this to be an unfair business practice and as a result, my debt settlement should be satisfied with the final payment of {$400.00} made to XXXX XXXX which I am more than happy to make.
Consumer complaint received 2024-07-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: GUARANTEED RATE INC. (MA)

I am a XXXX resident with a daughter attending the XXXX XXXX XXXX XXXXXXXX XXXX XXXX to the XXXX XXXX XXXX  ( XXXX ). XXXX is in the midst of a housing crisis and the XXXX had recently closed and will be demolishing several dorms.I purchased a condominium at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 for {$420000.00}. I had appllied for been given a term sheet for a mortgage with Guranteed Rate for {$250000.00}. 

Guranteed Rate hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX in Mississippi to conduct an appraisal. The appraisal came back with a valuation of {$330000.00} based on a single sale in the condominium association. in the past year. I called XXXX XXXX and Guranteed Rate. I felt the appraisal was low by more than 33 %. 

XXXX XXXX called me back and stated to me that she would not reconisder her valuie and " that is not how it is done down here in MIssissippi ''. I requested Guarnateed Rate recondisder. Guaranteed Rate stated they asked XXXX XXXX and whe woud not change the value. I believe I was discriminated against becuase of my accent and being a XXXX. ( a XXXX XXXX XXXX XXXXXXXX ) Three identical Condominiums have closed in the XXXXXXXX XXXX XXXX since XX/XX/2024, all for more than {$400000.00}. More than 6 comparable condominiums were presented by the mortgage underwiter XXXX XXXX to XXXX XXXX all with a recent sales price more than {$450000.00} local to and similiar to the condominium, XXXX. XXXX refused to consider the comparable properties. 

Because of the low appraisal I was compelled to either decrease the amount of the mortgage or face higher fees and interest rate. Rather than conduct a review of the appraisal, Guaranteed Rate, was able to charge the same fee on a smaller mortgage.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I had a car loan with XXXX XXXX XXXX XXXX. I had an accident in car, my insurance company totaled out vehicle, and full paid off loan. I was notified from insurance that check was sent and received. I contacted the loan department, everything was verified. However, I was never told that it was a {$170.00} balance. Months later i checked my credit reports because I was ready to purchase a new vehicle and I see a charge-off account for a little {$170.00}, that is against the law, I should have been notified to make payment before this fraud was placed on my credit report. I do not owe this and would like it removed from my credit report. I had 100 % payment until this lie was told.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I had a car loan with XXXX XXXX XXXX XXXX. I had an accident in car, my insurance company totaled out vehicle, and full paid off loan. I was notified from insurance that check was sent and received. I contacted the loan department, everything was verified. However, I was never told that it was a {$170.00} balance. Months later i checked my credit reports because I was ready to purchase a new vehicle and I see a charge-off account for a little {$170.00}, that is against the law, I should have been notified to make payment before this fraud was placed on my credit report. I do not owe this and would like it removed from my credit report. I had 100 % payment until this lie was told.
Consumer complaint received 2023-08-03
Product: Credit reporting, credit repair services, 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. (TX)

I was advised by a XXXX XXXX rep to fill out this report because of unauthorized inquires in my report. Please remove all these unauthorized inquiries on my report. Thank you for your help. This is hurting my credit score and giving false information to future creditors. XXXX  XXXX XXXX Date of Inquiry : XX/XX/2023, XXXX XXXXXXXX Inquiry Date : XX/XX/2023, XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 2023
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I tried applying for the credit card and I was informed that the information on my application and the information on my consumer report did not match. After reviewing my report personally I realize that my name is incorrect. 
My only name is : XXXX XXXX XXXX I would like all other variations of my name, removed from my consumer report, because it is damaging my financial health
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My account withXXXX XXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 

XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MD)

While completing my taxes I discovered a charge on my Debit card of {$740.00} from XXXX XXXX, from Commonwealth Financial. There was no phone number. I XXXX  the company and found the phone number disconnected. 

I discovered a link to CFPB of this company which engaged in fraudulent debt collection services. I do not recognize this company name and never did business with them. I have contested this through my XXXX  XXXX
Consumer complaint received 2024-04-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MD)

This is my second submission & request!! 

On XX/XX/XXXX I was sent funds in the amount of {$300.00} for XXXX XXXX, however double the amount was sent in error from the sender 's account. I attempted to try to send the funds back but was required to accept them first. Due to error messages with the card on file I was prompted by the site to add new card information. I added a new card and still received errors. I was then prompted to add banking information, I received an email notification indicated my account was verified and added however I still did not receive the funds in my linked account. I was then prompted to submit social security information which I was not comfortable doing on this platform and was not disclosed as a requirement before accepting the funds from the sender. These funds are still being held by Venmo. After several attempts to reach customer service and being left in que with no response my account was locked with no access to transact. I submitted an email complaint to Venmo ( Request # XXXX ) and never received a response back. I contacted the XXXX to file a ( complaint # XXXX ) on XX/XX/2024, in hopes that I would be able to get assistance with them transferring to overpayment back to the sender and the balance of the funds to my account but have not received a response or a follow-up.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

To Whom It May Concern : This letter is a formal Complaint under FEDERAL FAIR CREDIT REPORTING ACT ( FCRA ), 15 USC Sec.

1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. Sec 1681s-2, that the Credit Reporting Agency could be reporting Unauthorized and Fraudulent Credit Inquiries by these Original Creditors on my credit report and is a violation of the Fair Credit Reporting Act Section 604 ( a ) ,604 ( b ), 604 ( c ), 609, and 623 ( a ) ( 6 ) ( 8 ) and Fair Credit Billing Act, and Title 15 U.S.C. section 1681b ( a ), 1681b ( b ), 1681b ( c ), All data on My Credit Report must be 100 % ACCURATE, 100 % VERIFIABLE, and 100 % TIMELY, or By Law can not be on My Credit Report. PERIOD, per Sec 623 ( b ) ( 1 ) ( E ).

I recently reviewed my credit report and found unauthorized inquiries.

I contacted the below creditors, and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal, I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Inquiries are not a matter of record when I never gave these companies access to My credit file!!

According to Section 604 of Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( F ) otherwise has a legitimate business need for the information i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting shall- ( i ) promptly delete. 

The following inquiries are unauthorized.