davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

I was incarcerated from XX/XX/year> until XX/XX/year> on XXXX XXXX I wrote to Wells Fargo requesting a freeze on checking account XXXX until I come in person. Then as a follow up to the letter, on XX/XX/XXXX I had my buddy ( XXXX XXXX ) who was in XXXX XXXX do a three way with his mother to Wells Fargo to make sure that my account was frozen as I requested in my letter to Wells Fargo dated XX/XX/year>. Subsequently Wells Fargo for whatever reason did not freez my account because my balance should of been {$3700.00} direct deposited from department of treasury instead it was negative XXXX XXXX dollars I was surprised to find this out and upset. At this point I asked them on a recorded line to freeze account XXXX including debit card including online and including checks until I come into the bank with my drivers license / ID in person to un freeze my account. XX/XX/XXXX I was XXXX XXXX XXXX to the VA XXXX XXXX XXXX when I arrived first chance I had I checked and my balance should of been {$7100.00} in stead it was only {$5.00} Wells Fargo failed to do what they said they would do during my phone call with them.
Consumer complaint received 2024-08-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (TX)

I received a check for {$1500.00} from Wells Fargo for an internal error on a modification of my loan I had with them. They claimed to have made this error but would not tell me exactly when this occurred or specifically what was done incorrectly but that only in was in regard to the term of the loan, the interest rate, or the principle balance. They sent me a XXXX letter saying if I was wanting to go to mediation that they would pay for it and REQUIRED me to answer how much money I was seeking. They also stated that my first phone call was not documented in their system. When I asked if this check was in response to the CFPB actions against them they said that it was not, and had occurred sometime between XXXX of XXXX and XXXX of XXXX. 

In summary, I do not know what this check represented or how it really affected me. I also feel if they are paying for mediation, I will not be represented fairly.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Since I have continued issues with Transunion with correcting information on my credit report. I have had to get legal console on my behalf to force Transinion to correct items I disputed, when they refused to comply. 

Transunion have put my profile into a special status since they were served with legal letters to fix the credit disputes I requested. This special " status '' does not allow me to get my credit report online and further delays me getting any credit reports from Transunion, since the customer service line to phone in is terrible and the wait times are over 42 minutes, I have tried different browsers and they have stated its my Browser issue, when it is not. This special " status '' is to punish consumers whom have served legal letters to Transunion when they refuse to fix credit disputes,
Consumer complaint received 2024-08-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kinum, Inc., Indianapolis, IN Branch (IN)

I have been repeatedly harassed by Kinum for years for alleged XXXX repair charges from my children 's school. They call repeatedly, multiple times per day. When I block their number they call me from a different number. I have blocked multiple numbers for years and they just keep calling on other ones. The last time I was harassed by them last week, I told them I would be filing a complaint about the repeated call harassment and the agent threatened my credit. This alleged debt is for a for a child that of mine that is now XXXX XXXX XXXX. They are now trying to say I owe money for my XXXX XXXX XXXX son 's XXXX repair that has just graduated. The school has insurance on the XXXX and the school never made an attempt to collect funds from me. They can and do withhold graduation if there is any outstanding debt and that did not happen in either circumstance. I do not owe this debt and the harassment needs to stop!
Consumer complaint received 2024-07-03
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Liberty Debt Relief LLC (AL)

I was enrolled in Liberty Debt Relief and was able to refinance our house to pay off some credit cards. I requested a payoff amount and was assured that the amount I was given was the final amount needed, that if it wasnt enough to pay everything off, the company would pay that amount and I would still not owe anything else. Several months have passed and now Liberty Debt Relief has told me I still owe them {$800.00}. I explained to them that I was told there would be no more funds needed. They refuse to listen and tell me nobody said this or that I misunderstood. I am now out another {$800.00}. I specifically asked so that I would be able to keep some money aside for this type of issue, but was repeatedly assured that I would not have to pay anything else.
Consumer complaint received 2023-09-29
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00}.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I had a series of checking and savings accounts at First Republic Bank ( FRB ), as well as investment accounts ; separately, I had a checking account at Chase. When FRB was acquired by Chase, all my accounts transferred over on XX/XX/XXXX and I was told all terms and conditions would stay the same until XX/XX/XXXX, and that I would need to choose new Chase products and conform to those terms and conditions. Since my investment manager decided not to stay at Chase, I closed my investment accounts, but kept all my banking accounts. 

Before XX/XX/XXXX, I went into a Chase branch to reconcile all my accounts. I closed XXXX accounts that were no longer needed and converted the remainder into XXXX XXXX accounts that required a minimum balance of {$75000.00}. I kept my end of the bargain, maintaining a balance of over $ XXXX. On XX/XX/XXXX - the exact same date that FRB terms expired - Chase sent me letters informing me that " We periodically review existing accounts to ensure our products and services are appropriate for our clients ' goals and objectives. Sometimes, we determine that a client 's interests are no longer best-served through a relationship with J.P. Morgan XXXX XXXX XXXX XXXX ). The deposit account above falls into this category and we must close it. '' They sent me this letter for every single account I have at the bank EXCEPT my main checking account. 

I called the bank, assuming it was a mistake and was told that it was not. I don't understand why they can close an account when THEY don't think it meets my needs but I am satisfied just fine and have met all the terms and conditions of the account type I hold. They will not give me any reason why they are closing my accounts, nor will they allow me to keep them open. They won't even give me more time to transfer all my banking relationships ( these aren't just my accounts, but also joint accounts with my children ) - the letter was dated XX/XX/XXXX and I only have 30 days, even though I didn't receive the letters until XX/XX/XXXX. Since I am on vacation the end of the month, I essentially have 15 days to find a new bank and get everything set up. 

I think this action is in retaliation for my closing my investment accounts. I want Chase to be stopped from unilaterally closing my accounts for no reason. Further, I have been told that my Chase Sapphire Reserve credit card may also be subject to some review, which I've had for many years and pay in full every month.
Consumer complaint received 2023-07-20
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: EQUIFAX, 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.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

Upon review of my consumer report with Experian, I noticed multiple inquires I myself did not authorize. Please block and remove the following unauthorized information because they violate the FCRA 15 USC 1681b ( a ) ( 2 ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> there are unauthorized addresses being reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Inaccurate name : " XXXX XXXX ''
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (LA)

I am attempting to apply for the Louisiana SCRA. The Louisiana statute RS 29:312 states that no military members stationed within Louisiana can be charged more than 6 % interest.

AMEX has stated that my account is not eligible for Federal SCRA statutes and that they do not have any means to apply for a Louisiana Specific law regarding the SCRA.
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. (CA)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries
Consumer complaint received 2024-08-26
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Onity Group Inc. (CA)

The house belonged to my mother. She passed away on XX/XX/scrub> 2024. I called to inform the mortgage company of my mother 's passing and I was informed that I needed to provide formal documentation, ie a death certificate, letters of administration or affidavit of heirship to demonstrate that I have the legal authority to act on behalf of my mother. 

As a result of that conversation, I visited the county recorders office to get a legal description of the property for the requested documentation. Upon the completion of my research, I discovered the mortgage company PHH Mortgage Services, XXXX XXXX XXXX, XXXX XXXX XXXX Florida XXXX, has recently filed an " assignment '' dated XXXX  that appears to have increased the loan balance by XXXX and made it seem as though my mother was aware and had given permission as she was specifically listed in the filing. 

At this point given the timing of the filing and the fact that I had just notified them of my mother 's passing approximately XXXX  days before their " assignment '' and the increase in the loan amount seemed illegal, so I called my attorney and I was instructed to file this complaint.
Consumer complaint received 2023-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is my several 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
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Experian XXXX XXXX XXXX XXXX, TX XXXX Re : Dispute of Inaccurate Credit Information - Account Number XXXX Dear Experian Dispute Department, I am writing to formally dispute inaccurate information that is currently being reported on my Experian credit report. The details of the account in question are as follows : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off. {$850.00} written off. {$850.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$850.00} Balance Updated : XX/XX/XXXX Credit Limit : {$600.00} Highest Balance : {$850.00} On Record Until : XX/XX/XXXX According to XXXX XXXX Code XXXX, which governs transactions other than under an open end credit plan, creditors are required to provide accurate information regarding the terms of credit extended to consumers. I believe the reporting on this account contains inaccuracies that need to be corrected. 

Inaccuracies Noted : Status of the Account : The account status indicates it was charged off with {$850.00} written off and {$850.00} past due as of XX/XX/XXXX. However, the status was last updated in XX/XX/XXXX, which is inconsistent with the charge-off date and the balance update date. 
Balance Information : The balance is reported as {$850.00} past due as of XX/XX/XXXX, which contradicts the status update of XX/XX/XXXX. 
Reporting Date Discrepancies : There is conflicting information regarding the date the balance was updated and the charge-off status, making it unclear and inaccurate. 
Given these inconsistencies, I am requesting an investigation into this account. Please verify the accuracy of this information with XXXX XXXX XXXXXXXX and update my credit report accordingly. 

Balance : The reported balance of {$850.00} on the XXXX XXXX XXXXXXXX account exceeds the allowed credit limit of {$600.00}, which is inaccurate. This discrepancy significantly impacts my credit utilization ratio, a critical factor in calculating credit scores. An overstated balance not only misrepresents my financial responsibility but also unfairly lowers my XXXX XXXX, further hindering my ability to obtain favorable credit terms. Accurate reporting is essential to reflect my true creditworthiness, and I request that this error be corrected to ensure the proper reflection of my credit utilization. 

Enclosed, you will find copies of my credit report highlighting the erroneous information and any relevant documentation to support my dispute. 

I respectfully request that you complete this investigation and provide me with the results as soon as possible. If the information is indeed inaccurate, please delete this account. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-11-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Equifax scoring algorithm appears to be incorrect. My credit worthiness improved by lowering my dept and raising my available credit however Equifax lowered my score by XXXX points. This does not reflect my credit worthiness and is affecting my ability to get approved for credit.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MA)

So my chime accounts what scammed over the weekend all of a sudden today I went to use it and it was declined when I called chime they said they closed my account. Which now my money is on hold and they wont release or reopen the account.
Consumer complaint received 2024-07-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc. (AR)

On XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX : Defenders Original Account : XXXX # XXXX They settled with me for XXXX and the original creditor came back and charged me again and put it back on my credit report. This is totally illegal and a violation of my rights. 
XXXX XXXX XXXX are crooks and shouldn't be in business.
Consumer complaint received 2024-07-31
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. (NC)

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  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX and 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 XXXX 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 2023-10-31
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. (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. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights XXXX 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 2024-07-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Selene Holdings LLC (NY)

Mortgage was transferred from XXXX to Selene Finance XXXX XXXX time of transfer i was on a forebearance plan with XXXX XXXX Upon transfer to SELENE- they had NO record of forebearance with XXXX Selene did send me welcome letter stating that NO credit reporting within first 60 days from XXXX. A Full regular payment was made XX/XX/year> and the house was sold XXXX where the mortgage balance was paid in full. I was with SELENE for a Total of XXXX XXXX XXXX XXXX XXXX YET they reported that I had 120 days late payment. 
I requested mortgage assistance from XXXX due to having XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX