davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my AVANT - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BROKER SOLUTIONS, INC. (IL)

On my credit report is shows that on XX/XX/year> a mortgage loan in the amount of {$290000.00} was opened through New American Funding and on XX/XX/year> it was reported. I did not purchase/close on this property therefore this mortgage should not appear on my credit report. The loan officer that I was going through reached out to the company and they said they would solve this issue since it was a mistake on their part, however it has not been resolved since it still appears on my credit report. As a result of this, I have not been able to purchase a home.
Consumer complaint received 2024-06-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year>, I received a document from Chase Disputes. On XX/XX/year>, I called Chase Disputes and I spoke with a representative who informed me that I had until XX/XX/year> to submit all documentation for my Chase Dispute. 

I have called many times since then and the date of XX/XX/XXXX has never been mentioned ever again. The date was mentioned to be XX/XX/XXXX and then later XX/XX/XXXX as the final day to submit decimation for my financial dispute. 

I am not happy with the inconsistencies that Chase Bank has provided me with on the phone in terms of the information that I need.
Consumer complaint received 2024-06-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CA)

I'm a victim of crypto defi wallet scam. A lady friend on XXXX XXXX XXXX introduced me this URL XXXX which is a fake flatform because First they asked me to pay {$34000.00} for the profit tax and 2nd They asked me to pay {$95000.00} for the identity verification before I can withdraw my money and after I've paid that amount they asked me again to pay {$70000.00} for the manual verification. 

On XX/XX/year> another incident happened, an online web site XXXX is offering for funds recovery but it's also a scam. Their phone number is XXXX XXXX XXXX
Consumer complaint received 2024-05-10
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. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. 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 2023-09-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (DC)

Capital XXXX During Covid the conpany decided to close my credit card accounts due to stated not being payed. I reached out to the company about the covid relief payment plan system and was denied access to speak to a representative. During this time minimal postal services individuals was no longer working due to them being cut from their jobs during CoVID https : XXXX As mentioned I tried to communicate with them and they told me go into the banks to verify my information using my ID and during that time I was not able to do so. 

https : //www.capitalone.com/updates/coronavirus/ https : XXXX But for myself they did not I still am being told that I am owed the debt which is understandable but there should have been some type of options avaliable to me as they were for other customers. I also reported this information to Experian for their review and still did not follow up with removing such pretentious items from my credit. 

The Equal Credit Opportunity Act [ ECOA ], 15 U.S.C. 1691 et seq. prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age, because an applicant receives income from a public assistance program, or because an applicant has in good faith exercised any right under the Consumer Credit Protection Act As stated by Experian in black and white print : Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 
Student Loan Information on Accounts : Closed accounts that are still reported as open Inaccurate payment reporting Incorrect status reported Loans listed as delinquent that shouldnt be Loans listed as in default that shouldnt be Individual loans displayed multiple times Loans listed under your name that you didnt take out
Consumer complaint received 2023-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (DE)

This company XXXX people over. The amount of negative reviews they received in XXXX  is astronomical. Thats a shame. They did want to respond to my last complaint so listed it as a duplicate. They keep changing how much is owed from {$11000.00} to {$12000.00} and vice versa. XXXX this morning dropped my score an extra XXXX point went it should have dropped no more after it dropped the XXXX points. I dont like the fact that credit acceptance has so much power over my score. I dont like how none of the bureaus are cracking down on them. They have 2 positive reviews on XXXX these people XXXX over thousands. Im highly thinking about starting class action lawsuits against them. One last thing this company has my name attached to XXXX XXXXXXXX car. I never signed any contract. And it seems they are harassing me. This account is fraudulent and I need my name removed from this contract
Consumer complaint received 2024-06-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year> I received a call from XXXX from Chase Disputes. XXXX informed me that she is a XXXX and the highest form of escalation at Chase. She was incredibly rude to me and my wife and she hung up on me. XXXX refused to answer questions about why my dispute was denied and she refused to answer questions about the process. In the end, she hung up the phone, even though I had to wait XXXX hours for her to give me a call back from Chase. XXXX should be ahsamed of herself for the poor customer service that she has deilvered and for failing to do her job. By hanging up on me, she effectively made it so that I needed to request a callback from a different XXXX and wait an additional XXXX hours for a call back. 

In addition to hanging up on me, XXXX provided me with erroneous information.
Consumer complaint received 2024-06-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (OK)

On XX/XX/year>, I placed an order over the phone at XXXX in XXXX, Oklahoma. I ordered a buffalo chicken sandwich. When I picked up the sandwich shortly before closing, I did not inspect the sandwich until I got home. When I got home and opened my sandwich about 10 minutes after pickup, I noticed there was no buffalo sauce and that the chicken was gray and rotten. I called back to the store but they were closed. Therefore, I called back the next day and asked to speak to a manager and he refused to refund or remake the order because I didnt tell them about the issue on the night I received the order. However, I did try to inform them about the issue the night of, but by the time I got home and called the store, they were closed. I am not paying {$11.00} for a sandwich that is not edible due to it being rotten and incorrect.
Consumer complaint received 2024-06-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CA)

XX/XX/year> Spoke with XXXX from Chase Disputes. 

XXXX gave me erroneous information that the last day to file the dispute was XX/XX/XXXX which is false. When I called in on XX/XX/year> and spoke with a representative then, I that the last day to submit information was XX/XX/XXXX and I filed the information with chase on XX/XX/XXXX. 

Please investigate this phone call and XXXX and please inform me what the last day to submit information was for this case. 

Thank you.
Consumer complaint received 2024-06-26
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (NV)

i purchase furnitue from XXXX XXXX in XXXX  XXXX mo account number XXXX and they used wells fargo for finacing which was {$9500.00} upon delivery of furntiure seveal items where broken and not in new condition ive reached out to XXXX XXXX explaining the broken furniture and they admitted at fault and said who ever they sent was a new guy and they apoligize for the damage furniture .i filed a dispute with wells fargo explaining the furniture received was broken and XXXX XXXX admitting a fault to the furniture being broken upon delivery XXXX XXXX resolution is to reach out to warranty company since i moved within there warranty which the warranty company said they do not cover items thats broken upon delivery.wells fargo dispute dpt XXXX explains he wouldnt pay for broken furniture but insist theres nothing i can do to fix the situations.This has been a hastle since ive recieved the furniture XX/XX/year> ive filled 5 disputes no resolution but to continue to pay for broken furniture which im very dissatisfied with and not going to continue to do.
Consumer complaint received 2024-06-30
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

I had a change in insurance for property XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX loan number XXXX. The XXXX company did not renew the insurance due to high-risk areas and I was only given a month to find another carrier. I found a new insurance underwriter and the evidence of insurance was provided to PannyMac. 

The insurance company has added {$160.00} to my escrow account even though I have already paid for the annual insurance fee in advance and proof of payments has been shared with PennyMac. 

I have written multiple emails and I am not getting any plausible response. I have also called their customer service and they transferred me to the insurance dept and made me wait for a long time and have not been helpful. 

As a result of the misdeed and negligence caused by the mortgage company PennyMac, I am filing this formal complaint for a timely resolution.
Consumer complaint received 2024-06-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC (NY)

I bought a house in 2004 for investment purposes only and sold it to the tenants in 2005. In 2023 I was contacted by a collection agency regarding a XXXX XXXX bill for charges from 2016-2018. I told the collection agency. I never opened a XXXX XXXX account so I am not liable. I never heard back from the collection agency. Now XXXX XXXX is suing me in civil court. If an account was opened in my name then it is XXXX XXXX. I filed an XXXX XXXX report with the police and now I want to file a complaint regarding XXXX XXXX.
Consumer complaint received 2024-06-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jana Ferrell & Associates LLC (TX)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (SC)

I requested an investigation into my credit report because I have been a victim of identity theft. The account listed on my consumer report is NATLCRSYS acct # XXXX. I have provided this company with my official FTC identity theft report and yet they continue to furnish this fraudulent account on my consumer report. According to 15 USC 1692G they are required to provide sufficient evidence supporting their claim against me. The documentation I received does not bear this company name on it and it is a computerized document that could have been created by the person who committed to the identity theft. I have never signed any contracts with NATIONAL CREDIT SYSTEMS INC and they did not have my authorization to use my non public information. 15 U.S. Code 1692e - False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section.
Consumer complaint received 2024-06-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (GA)

I applied for a Discover card. Discover completed a credit check, granted a card and sent the card. After a short period of having the card they contacted me. An unprofessional person request a copy of my ID and to verify the authenticity of this call I should contact the number on the back of the card. Why would they need this info after granting the card. Unprofessional, a supervisor was not available to talk to, I was told they would contact me in XXXX to XXXX hours. I request this card to be canceled immediately as this sounds like a fraud.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (FL)

On or about XX/XX/XXXX I deposited XXXX to my saving count which has. Balance of XXXX the check was written by XXXX XXXX, XXXX  from his trust account. I got a letter on approximately XX/XX/XXXX that there was a hold on these funds due to the bank having information that lawyer XXXX XXXX was writing bad checks and the check would not be paid and that I could have funds until the XXXX. This is my view nothing more XXXX harassment due to the fact that I have a brokerage account with said bank worth XXXX and I have never heard of a well known XXXX XXXX lawyer writing bad checks? This goes along with me asking for a credit card and them denying me stating that I dont have enough assets when I just sold my house and deposited XXXX XXXX XXXX in said bank. The one and only reason I done rake my business else is that I have a friendship with my advisor.
Consumer complaint received 2024-06-30
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: CITIBANK, N.A. (AL)

Per - The Privacy Act of 1974-the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 & 15 usc 1681 subsection ( B ) - Permissible purposes of consumer reports- ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( the Company has not had My Written consent to report any impact on my consumer report file ) They Do " NOT '' have my Written Permission to report. I am Now Opting Out From any and all Authorization, That ( I ) the consumer, May have given you, Written, unwritten, verbal, nun-verbal per 15usc 6802. And it is Effective Immediately, and Effectively.
Consumer complaint received 2024-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (TX)

This is the third time attempting to deposit or withdraw funds from my account with Wells Fargo. In each situation there seems to be a hold or a limit to what i can withdraw or deposit. I have a clear track history showing the deposit coming from my employer biweekly for the exact dollar amount so ther shouldn't be any concern about the tracking of the funds. I needed to help my mom pay her mortgage and put a limit on what I could withdraw for the day. In this particular situation, you could clearly see not only my employee direct deposit which was available to use for ATM purchases etc but I had also received a double payment from my employer a quarterly bonus that put my balance at three times its normal amount. My account isn't set up for bill pay so I wasn't asking for more or all the funds to withdraw.

The most recent issue is with a personal check that I received from an attorney office that I recently have done business with. I was receiving a refund of {$1600.00}. I deposit the check with the account being slightly overdrawn but was in the two day grace period. I deposited the check and was informed via email hold dates on when the funds would be available. I checked my account as part of the check would be available today XX/XX/year>. The remaining amount XX/XX/year>. After calling customer service as the funds aren't available and further overdrawn now more excuses and the funds wouldn't be available till XX/XX/XXXX. I have had nothing but a horrible experience as a customer with Wells Fargo. Constantly be overcharged or holding funds back so they bank can justify why they charged me fees. I feel like im Constantly having to jump through hoops just to have fair access.
Consumer complaint received 2024-06-26
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: TRANSWORLD SYSTEMS INC (GA)

The company provided the same general response that they initially provided. I again had requested validation for where my security deposit went that was outlined within the signed lease. The amount of my security deposit should have fully covered the amount sent to collections. I am requesting a full itemized balance sheet from the inception of the leases to show where those funds went. If not, I am requesting immediate deletion from my credit report. The company requested an additional XXXX  days on the previous request and did not complete what was asked and requesting that this be finished within the next XXXX  days. This in relation to XXXX
Consumer complaint received 2024-06-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year> I called in to Chase Disputes and Spoke with XXXX. XXXX said to me that the reason that the dispute was closed was because there wasnt a description of the services, which is false, its right at the beginning. XXXX also provided me other erroenous infromation as to why my dispute was declined.