davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023, I filed against Chase Complaint # XXXX. Almost immediately, and multiple times since, I have been contacted by Chase by phone with a call that begins, " This is to inform you that you are on a recorded line. '' No permission is sought from me for this recorded phone call. On multiple occasions I have terminated the call and informed Chase I will not participate in coerced recorded phone calls. Yet today, XX/XX/2023, I received a call yet again from Chase. The call came from XXXX at XXXX XXXX Pacific Time. The caller identified herself as " XXXX. '' Once again the phone call started out with " This is to inform you that you are on a recorded line. '' While XXXX would concede, when pushed, with me pushing her because I wished to establish that I had informed Chase on multiple occasions that I would not participate in coerced recordings, that her records indicated Chase had contacted me before, she informed me that her records did not indicate either how many times Chase had contacted me or what had transpired in those phone calls. Interestingly, perhaps however, she was quick once the conversation went in this direction to state, " We will not contact you if that is what you wish? '' According to her of course, this entire phone conversation was captured by recording. I believe XXXX, and by extension Chase, lied to me about not knowing substantively about Chase 's previous phone calls to me.
Consumer complaint received 2024-04-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I recognize that under FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you kindly review the documents? I've observed that a significant number of the listed accounts appear to be incorrect, and this is troubling to me.
Consumer complaint received 2023-07-17
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

I co-signed for a loan for my fianc. I pay the loan monthly through autopay. For 18 months this loan was not on my credit. In XXXX they added it. Only for the balance to be incorrect. And all of my previous payment history not reported. They are reporting that I owe more than Ive paid. Payoff quote as of XX/XX/23 is {$46000.00}. Outstanding Principle balance is {$46000.00}. They are reporting that I owe {$48000.00}. I would like the correct amount reported and updated on my credit reports.
Consumer complaint received 2024-04-26
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Tesla, Inc. (FL)

I placed an order with Tesla under the assumption that I was approved or would get the lease because you have to pay for the order upfront and after Ive already paid and gave all my information it is very misleading because they are insinuating or implying that you will receive the car or the order and they are charging a {$250.00} nonrefundable order fee now I was denied the application and they are not going to return my XXXX so I think that is very misleading and Unscrupulous business practices there, misleading customers with the assumption that you were already approved and will receive the lease
Consumer complaint received 2023-09-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CHARLES SCHWAB CORPORATION, THE (PR)

Charles Schwab blocked my accounts for fraud alerts, but I've never had a fraud problem. The bank often label most of my transactions for fraud without a real reason. They asked me to send a notarized letter with my ID to confirm my identity ( again ). This was 7 days ago. I sent the notarized letter 6 days ago. I still don't have access to my funds and these are my only accounts. I am in a XXXX XXXX without access to my money. I ran out of medications and food. They are not giving me answers or solutions. My health and other aspects of my life are at risk for this situation. I call every day twice and they don't do anything. Please, help me. Thanks!
Consumer complaint received 2024-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After having my personal papers stolen, I now have countless inquiries on my credit report which were not initiated or authorized by me. I have sent letters out to the various credit bureaus and now find it apropos to make official complaints as I am being violated. Included in this report will be screenshots of the companies who have inquired about my credit status without my consent or knowledge with the major 3 bureaus. However the screenshots in THIS report will reflect inquiries on my TRANSUNION report. Also enclosed is my FTC report.
Consumer complaint received 2015-06-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

I am with Nationstar mortgage and with in the last year my mortgage payment has changed and XXXX. Every time I have called I have been put on hold for over an hour and I have been given a different excuses. I have yet to understand why my escrow has never been correct or why my rate has been XXXX. I am always on time with my mortgage and have always paid extra but now it is to the point I do n't know what my monthly payment is each month.
Consumer complaint received 2023-06-21
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 am sending this letter on my behalf. I checked my credit reports recently and as I studied law lately, I realized that your agency and this collection agency is in violation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership o
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

In my previous complaint I explained how I did not receive a notice that XXXX XXXX was going to furnish negative information on my credit reports to which they did NOT address a single concern. Here 's the complaint number XXXX. I requested that they send me the tracking number or a green return card receipt bearing my signature in order to prove that I received or even was sent a notice at least 5 days prior or 30 days after that they would furnish negative information. Instead of responding to my dispute they just claimed that they are allow to report .... That is NOT my dispute. I did NOT dispute whether they can report or not. I demand to be send with the evidence that they are complying with the Fair Credit Reporting Act section 623. If they can not then I demand that they either modify my report by removing all negative information ( 15 U.S. Code 1681s-2 ( b ) ( E ) ( i ) ) or remove the entire account ( 15 U.S. Code 1681 ( b ) ( E ) ( ii ) ). Please see attached. If this company does not comply with request by providing the requested documents OR updating the reporting to never late OR deleting the account from my report, I will seek legal action for willful noncomplaince.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

Did not consent to unauthorized inquiries the inquiry was not authorized. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I contacted Experian, XXXX, and XXXX to look into these accounts as they are fraudulent, and to no success have I been able to get any help with a investigation. I did receive documents from XXXX XXXX and the card was still for someone else business that is not affiliated with me at all, but they still opened the card. 

I've never even heard of XXXX XXXX, there is no way I would ever pay this amount for something and not know what it is. This is fraud. I have never made a payment to them, yet they say I did and none of these credit bureaus have provided documentation of their investigation. It just says Updated and only the date change. It also says that this account is open but no " imaginary '' payment has been made since 2021. The last red flag was that the monthly payment says {$0.00}, but the account is open. This is fraud and misuse of my credit report. 

I never signed up for anything with XXXX XXXX XXXX XXXX, policy states that I must be married and be at least middle class, but the date they had this open I was on food stamps. I couldn't afford to even qualify for something like this and when I tell them it's fraud, to send documentation. They hang up on me. I still can't afford this and I've never been married. Who is the joint person? This hasn't been disclosed either. 

None of these credit bureaus have done any due diligence in investigating these accounts properly. I would have submitted these with the last complaint, but they were still pending investigation. The last complaint was removed from my credit report and then magically these were completed with Experian. These are shady business practices. I have submitted my documentation and these accounts should be removed from my report. Please help with aiding in this process.
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

I have a joint checking account with my sister at Well Fargo, I am the primary account holder. My sister was scammed on XX/XX/XXXX and {$2800.00} was taken from our joint. I called the bank and asked why I was not informed that someone was transferring funds from my account and was told they only needed one person on the account to confirm. I was under the assumption that both parties would need to allow the transfer. Thank you.
Consumer complaint received 2023-07-13
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (PA)

I spoke with several different representatives regarding a gap refund from Santander Consumer Usa in XXXX of 2023. It has been a month now and I am still waiting on my refund. Every single time i call this company representative are telling me misinformation. Somehow my refund is a lot less than what they stated my refund would be initially. No one has ever called me back regarding the verdict of my gap refund. When i reached out on XX/XX/2023 the representative from Santander Consumer Usa told me to just keep waiting. I am extremely frustrated with this company!
Consumer complaint received 2023-09-01
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: EQUIFAX, INC. (PR)

In accordance with the Fair credit reporting act convergent account XXXX XXXX XXXX ACCOUNT NUMBER : XXXX has violated my rights. Ive sent many certified letters to the original creditor company mentioned above and the credit bureaus and they failed to provide me the copy or any such proof of their investigation results about my complaint. The XXXX and EQUIFAX Credit bureaus only sent me a letter stating that the account was verified with no attached documents or evidence from the original creditor reffering to this investigation. This XXXX XXXX XXXX is a closed account. It was paid in full and all the payments were on time. In stead of correcting it in my personal credit profile they keep reporting it with a bad remark as delinquent. I personally sent proof letter to the credit bureaus with all the information that they requested me to provide. But i personally believe that no one take the proper care for a good solution. Even do it is a closed account still affecting me the ability to moving foward with my life. I have been discriminated or im been ignore from my complaints. Because once i submit the complaint to the CFBP to verify the information they automatically delete the information to comply with the complaint. But as soon as you closed the investigation it automatically appears back to my credit report. Please take a deep look into my personal credit report to see what im stating here is the completly thruth.
Consumer complaint received 2024-04-30
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. (PA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PR)

In accordance with the Fair Credit Reporting act XXXX Acct # XXXX has violated my rights.

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
Consumer complaint received 2023-06-11
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: MRS BPO, LLC (MT)

In XX/XX/21 I was sent to collections by XXXX  which was for and account that was not mine They refused to do anything about it or give me any information other than the address for the account that I did not open and I had never lived at that address. 

Once in collections, I disputed the debt through each of the XXXX credit bureaus and the debt was removed from my credit report until recently. 

On my XXXX report the debt has shown up again. I have disputed it both times and they say that the account is mine. They even added the address of the XXXX  account to my credit report. 

If the debt wasn't proven to be mine during the first round of disputes, why would it stay on my report now and why is XXXX the only bureau it is able to get onto?
Consumer complaint received 2023-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Kindly correct the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PR)

I am writing in regards to a past account XXXX with XXXX XXXX for a XXXX XXXX XXXXXXXX. I am requesting to have the late charge payments from XXXX to XX/XX/XXXX that shows up in my credit report, erased and for credit bureaus to be notified of this change after no due diligence from XXXX XXXX to investigate the issue and correct it, in accordance to credit protection during XXXX. 

The reason for this request is because at the time I was experiencing some severely difficult financial hardships as well as mental health issues, as explained to XXXX XXXX at the time. I have evidence of letters sent to XXXX XXXX and responses that led to no resolution. 

I managed to pay it off in full and continued making payments on time without any late payments after that. I asked to not be condemned and have my credit affected negatively during a difficult time. Before investigating my rights with a lawyer, XXXX DID NOT tell me that I could pay off the late balance to avoid repossession. They threatened to repossess the vehicle and charge off my account. I let them know I knew my rights and they let me pay off the late balance and full, restored my account in which I made no late payments until the remainder of my time with the vehicle. 

I would be greatly appreciative if you could help me with XXXX, who has been evasive in helping to remove late payments from XXXX XXXX XXXX XXXX XXXX and report changes to credit bureaus. 

Please let me know if you have any questions. 

Best, XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (HI)

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
XXXX. 
XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX XXXX, Account Number : XXXX XXXX. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter
Consumer complaint received 2024-04-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID, Proof of Address with my most recent billandSSNCard.
Consumer complaint received 2023-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (GA)

Numerous requests to provide proof of debt has gone unanswered. This debt is a result of fraud and I have request CCS Collection to remove to no avail. The agency refuse to response to inquiry or assist with clearing up the issue.