davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

IVE DISPUTED THIS ITEM NUMROUS OF TIME ON MY CREDIT REPORT. 
XXXX XXXX XXXX IN aCCOUNT NUMBER XXXX. IVE ASK THEM TO VALIDATE THE DEBT, IT IS NOW DAY XXXX, AND STILL HAVENT HEARD ANYTHING FOR THEM. SO IM ASKING THAT THIS ITEM BE REMOVED.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I sent a dispute to XXXX XXXX on XX/XX/24. Experian never wrote back because of this I need my account removed because Experian is violation the Fair Credit Reporting Act for not responding or processing my dispute.
Consumer complaint received 2024-04-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Dear Sir/Madam, I am writing to express my dissatisfaction and frustration regarding the recent closure of my business checking account with Chase Bank XXXX My business, XXXX XXXX XXXX XXXX, has been a valued customer of Chase since XX/XX/XXXX, and I am deeply concerned about the abrupt closure of our account. 

XXXX XXXX XXXX, I received a notification stating that my business account was being closed due to reasons unspecified. This action has had severe repercussions for my business operations, including disruption in cash flow management, inability to process transactions, and uncertainty regarding the status of pending payments and payroll. 

As a legitimate business entity, XXXX XXXX XXXX XXXX has always maintained full compliance with all regulatory requirements and has never engaged in any unlawful or suspicious activities. Therefore, the closure of our account without prior warning or explanation is not only unjust but also detrimental to our business reputation and financial stability. 

I respectfully request that Chase Bank provides me with a detailed explanation for the closure of my account and reconsider its decision. Additionally, I urge you to promptly release any funds held in the closed account and facilitate the smooth transition to a new banking institution. 

Furthermore, I expect Chase Bank to review its internal procedures to ensure that such arbitrary actions are not repeated in the future. Transparency and clear communication are essential in maintaining trust and fostering positive relationships with your customers. 

I appreciate your prompt attention to this matter and anticipate a swift resolution. Please contact me at XXXX XXXX XXXX or XXXX to discuss this issue further. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX XXXXE XXXX XXXX
Consumer complaint received 2024-01-31
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: EQUIFAX, INC. (GA)

We have had our XXXX XXXX co drop us for just filing XXXX claims in 3 years for home property. We were told that we were dropped due to the claims with XXXX XXXX history showing. this insurance ends in XXXX XXXX both claims were weather related with no control from our end.We never file home owner claims, it has been years. 
We are still not in receipt of the report ordered 2 weeks ago. 
XXXX and XXXX both askes us to call. 
I called their XXXX number and still no report. 

Please contact them and equifax they say to get this report for XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Consumer complaint received 2024-01-31
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (CO)

Was in a dispute with apartment about move out amount, then they moved it to collections during dispute and they said they couldnt do anything and to talk to collections. Then I disputed with collection agency within 1 month and mailed letter with all the backup of pictures and emails from apartment I had on XX/XX/XXXX express 1 day with requested signature. They kept saying they didnt have it and I showed with USPS was delivered but decline to sign. I sent another package with backup in the mail on XX/XX/XXXX since she kept saying she never received. We have called twice in XXXX with voicemails to call back with no luck. I then called in XXXX to try to get ahold of someone other than who has our account to get this resolved and no one was helpful and it was getting frustrating that they weren't helping. They called us XX/XX/XXXX now saying they received our dispute letter but declined it and never notified and were finding out 5 months later. They said decline cause they reached out to Apt and they said the pictures they sent me of the move out backup and why we are getting charged is of another unit even though it includes out door with our apt number on it. We requested to talk to a supervisor multiple times and she said call back when we are willing to work out the debt. She also lied and said she called us twice in XXXX but she used the dates that we called and said she called which was a lie.
Consumer complaint received 2023-12-28
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (OH)

I bought 2 XXXX XXXX Amex Gift Cards for my girlfriend for XXXX and she is unable to use them virtually everywhere. I also tried using them online and in person at numerous locations after she gave them back to me and they were declined everytime no matter where I tried to use them. Amex customer service via phone and online confirms the that they are activated and have a balance of XXXX XXXX on each card, but yet I am unable to get them to work or be accepted anywhere we have tried to use them. Customer service service online gives me the run around and it is near impossible to speak to an agent and when you do get someone they say it should work and they do this to protect my funds.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2023 ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7600.00} ; DEPT OF ED XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXXXX/XX/2023.
Consumer complaint received 2023-06-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Gurstel Law Firm, P.C. (CA)

This is my DEMAND LETTER to Gurstel Law Firm P.C. and the attorneys at the Law Firm who have violated Fair Debt Collection Practices Act. Please see attachment for detail of list of attorneys and proof showing which federal violations they committed.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I sent letters to Experian and XXXX last XX/XX/2024 with the tracking number XXXX and XXXX regarding the inaccurate information on my report. There are accounts that are reporting negative but I was never late to any of these accounts. XXXX XXXX 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 They are also reporting a collection account that was never mine. I never agreed or sign to any agreement with XXXX XXXX - XXXX. 

I did ask for the method of verification but I never received any response from any of the credit bureau. Under penalty of perjury, I swear this account is false and misleading. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation ; it was reported without valid evidence. Theres a part of the law that requires them to at least update the status of the account and label it as being in dispute. They failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Its clear to me no proper investigation actually took place which is negligence on their part my livelihood is at stake and this inaccuracy is causing me great stress.
Consumer complaint received 2024-01-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (NJ)

I am reaching out as I was told by PNC Bank customer care my late fee will be waived due to an error with my card being locked and me paying it right away. When I called customer care they told me they cant waive it. I was lied too and they are manipulating me.
Consumer complaint received 2023-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-09-19
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. (LA)

I am a victim of identity theft. I have inaccurate information on my credit report that does not belong to me. I sent my letters and the FTC report to the credit bureau, and they do not want to remove the accounts that do not belong to me XXXX report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (TX)

Loan care stated they received mortgage payment XXXX we stated the money was never taken and they in fact noted on the account was paid only to find out they never took the payment til XX/XX/XXXX even though on the system it was paid and noted on the account
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX, I mistakenly transferred $ XXXX from my checking account to my credit card instead of my savings account. Upon realizing the error, I contacted Wells Fargo customer service to request a reversal or refund. The representative informed me that the only option was to send a check within 30 days. 

On XX/XX/XXXX, I called XXXX to check the status. They told me they had no way of checking the status and advised me to call back if I hadn't received the check by the end of the 30 days. 

On XX/XX/XXXX, I called the same number again and was informed that the check had been sent on XX/XX/XXXX and to allow a few more days for delivery. 

By XX/XX/XXXX, I still hadn't received the check. When I called again, I was told the request was still awaiting approval, contrary to what I had been previously told. A representative then generated a case number XXXX and provided an XXXX phone number, XXXX. 

On XX/XX/XXXX, I called the XXXX number. The representative stated they didn't have a status update and would need until XX/XX/XXXX to investigate further. I requested to speak to a XXXX, but none were available. The representative committed to having a XXXX call me with a status update no later than XX/XX/XXXX.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

As of XX/XX/XXXX I have learned that my identity has been stolen and used fraudulently. I have included several documents for evidence of proper reporting of the matter. I have mailed my complaints as well as attempted direct complaints with Equifax, XXXX, XXXX and XXXX XXXX, although XXXX did not provide an online option for my needs. There have been multiple instances of false personal information, addresses, hard and soft inquiries, phone numbers & email addresses. I have spent a great deal of time since my knowledge of the matter beginning in XXXX of XXXX, trying to clear all of the errors up. I filed disputes on XXXX of XXXX which remedied several items but not all and thus leading me to spend even more time and money to research remedies and to provide all of the additional documents ( included ). I have also found multiple instance of privacy violations which are addressed in the documents as well. I have since also froze all of those mentioned. As of this time, my home has incurred over {$50000.00} worth of loss and damages since XX/XX/XXXX.
Consumer complaint received 2024-06-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (CA)

Year XXXX we applied for a home modification. We completed all the necessary paper work but was denied. We had to sell the house in order to avoid foreclosure. We sold th house avoid this situation. We ended up renting a house for XXXX years. I received a letter from Wells Fargo ( XX/XX/year> ) stating we were actually approved for the loan, but the loan officer told us we wasn't approved at the time. So we took action to sale our home in order to avoid foreclosure.
Consumer complaint received 2024-04-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo stole my personal identifying information to sign me up for a product called Affinion without my authorization and charged me for it without my knowledge. They just notified me in XX/XX/XXXX for their action that occurred in XXXX and XXXX of the first instance and sent me a check for {$14.00} and change. I called because they issued the check in my maiden name. When I inquired about the check, they revealed that it happened more than the one instance they referred to and sent me two more checks for {$65.00} and some change and {$68.00} and some change.
Consumer complaint received 2024-02-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (OH)

XXXX XXXX XXXX has failed to validate an " alleged '' debt in the amount of {$120.00}. According to the FDCPA, the validation information must include : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. ( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ). Official interpretation of 34 ( c ) ( 1 ) Debt collector communication disclosure. Show ( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( i ). Show ( ii ) The consumers name and mailing address. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( ii ). Show ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iii ). Show ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iv ). Show ( v ) The name of the creditor to whom the debt currently is owed. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( v ). Show ( vi ) The itemization date. ( vii ) The amount of the debt on the itemization date. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( vii ). Show ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( viii ). Show ( ix ) The current amount of the debt.
Consumer complaint received 2024-01-03
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST CREDIT FINANCE (CA)

In accordance with the fair credit Reporting act FIRST CREDIT FINANCE Account XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-09
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. (OH)

i noticed unauthorized inquiries on my credit reports that i would like removed according to the fair credit reporting act these unverified and unathorized items must be removed 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I contacted Captial One Customer service today and they refused to credit my past due fee of {$25.00}. I also talked to a supervisor, XXXX, who refused to credit it back also. They said " the system wont allow me to ''. So I asked to get me to Executive Offices and someone that can reverse it and they refused. 

These exorbitant fees that you charge are ridiculous, especially on a secured card where some of the money is mine and not yours! Issues happen and will happen to your consumers. Helping them keep their money on their card without charging these fees should be a priority. You dont have to charge past due fees either - its a choice. Ive been on time except recently and would appreciate my money return to me and the {$25.00} credited
Consumer complaint received 2024-04-09
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. (GA)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.