davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (CA)

I RECEIVED A OFFER FROM UNITED AIRLINES TO GET A CREDIT CARD FROM CHASE BANK JP MORGAN, MY ACCOUNT WAS BLOCKED AND MY CARD WAS CANCELLED! MY PAYMENTS WERE CURRENT AND NEVER LATE! THEY LOOKED ALL THE INFORMATION OF MY ACCOUNT SO I HAD NO ACCESS WHAT SO EVER TO MY ACCOUNT DATA! I CALL THE BANK SEVERAL TIMES AND THEY KEEP ME SWITCHING FOR DEPARTMENT TO DEPARTMENT AND NO ONE UNLOCKED MY ACCOUNT! THEY ARE VERY RUDE TO A POINT THAT I FELT FINANCIALLY ABUSED BY THIS BANK!!! I AM XXXX XXXX XXXX AND NEVER GONE THROUGH SOMETHING LIKE THAT! THE FINANCIAL INSTITUTION IS CHASE BANK JP MORGAN.
Consumer complaint received 2023-09-15
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. (KS)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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
Consumer complaint received 2024-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: AMERIS BANCORP (TN)

My initial closing was on XX/XX/XXXX and the original loan amount was {$670.00} XXXX Between that time and before loan was sold to XXXX XXXX, I made the following transactions to Ameris : We began servicing your loan on XX/XX/XXXX, as due for the XX/XX/XXXX payment. During our servicing, we received and applied the following payments : *Date : * *Amount : * *Description : XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In spite of this, the loan was sold to XXXX, the revoked many of my principal payments to create a {$20000.00} suspense account and my principal upon sale to Ameris was supposed to be {$620000.00} In spite of this, upon sale several weeks ago. XXXX made my principal amount {$670.00} XXXX I spite of me repeatedly contacting both Ameris Bank and XXXX multiple times over the past few weeks, this issue remains unresolved. I recently spoke to XXXX yesterday, and they said Ameris still has not sent over any of my info regarding my principal payments.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CREDIT ACCEPTANCE CORPORATION (AL)

I have 2 auto loan accounts reporting that do not belong to me. I never opened either of these accounts. I have an idea who opened the account ( maybe some relatives that used my information ). I do a lot of traveling with my job and I am never home that much so I am guessing that someone that was living with me opened these accounts. I guarantee that these finance company do not have my actual signature on file because I never open these accounts.
Consumer complaint received 2024-06-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I had the following two charges that were made WHILE I WAS WORKING AND DID NOT MAKE THE CHARGES. Wells Fargo fraud protection should have stopped the transactions after the first transaction, but did not, and then refused to refund my money even though I have ZERO LIABILITY FOR DEBIT CARD FRAUD!! Anyone could look at these charges and see that they're fraudulent : 1. PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX CARD XXXX XX/XX/XXXX {$500.00} Begin region Merchant Name XXXX Merchant Address XXXX, XXXX, XXXX Transaction Method Card Info Stored by Merchant Category Rent 2. PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX CARD XXXX XX/XX/XXXX {$200.00} Begin region Merchant Name XXXX Merchant Address XXXX, XXXX, XXXX Transaction Method Card # Entered by Customer/Merchant Category Rent The " company '' is a company with which the transaction originated in Texas, per the transactions, and the phone number attached to the transactions is a phone number based out of XXXX, UT. When you call the number, it's dead air, there's no ringing or anything. The charges were made for " Rent, '' per Wells Fargo, for somewhere either called " XXXX XXXX '' or " XXXX XXXX '' ( which one would surmise is located in Florida ). I live in California, and do not nor have I ever used my bank account or debit card to pay my rent, and Wells Fargo knows this. If you XXXX the phone number, you can see that there are quite a few people who have had similar problems with their bank accounts being drained via their debit cards for similar charges, at the following site : XXXX XXXX XXXX Anyone with half a brain could see that this is very obviously fraud, and Wells Fargo said that they had to " investigate my claim for 10 business days before a " Provisional Credit '' would be issued ; '' if someone has to wait 10 BUSINESS DAYS, IT IS NOT " PROVISIONAL '' AFTER THAT LENGTH OF TIME!! 

They also said, per their website that THEY PUBLISHED, that I should be able to view current information on my claim from my account on their website, and there is nothing on my account page on their website regarding my claim, so I have to call and speak to a representative, and 9 times out of 10, they just pass the buck and try to pay you lip service to get you off the phone. 

Due to the obviously limited intelligence of Wells Fargo and its employees, and the fact that they are not honoring my " Zero Liability for Debit Card Fraud, '' I can not make my car payment, and now I will be hit with penalties due to their incompetence. I will most definitely be closing my account, and I will be taking my business to a bank that is going to honor their contracts with their customers.
Consumer complaint received 2023-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (NY)

Due to banking issues, I paid my creditor XXXX in 1 month. ( depleting my account ). I asked the creditor for a refund, they refused, said speak to financial institution. Spoke to financial institution, they said speak to creditor.
Consumer complaint received 2023-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

My mailbox, much like a desolate wasteland, remains barren of any clarifying documents or details that might shed light on the purported resolution of this matter. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. Despite the passage of more than 30 days, a time frame that surpasses the limits imposed by the Fair Credit Reporting Act ( FCRA ), I am disheartened to note the absence of verified information regarding the disputed fraudulent account. It appears that the bureau 's investigative prowess has yet to unearth the essential details needed to substantiate the accuracy of the reported information. I find myself caught in a paradoxical situation where the bureau asserts the accuracy of the information it continues to report, yet the very essence of accuracy eludes the confines of verification. It is akin to claiming to have found the missing puzzle piece while steadfastly refusing to place it in its rightful position. 
XXXX XXXX XXXX- PLEASE DELETE!!! XXXXXXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 

In light of the aforementioned circumstances, I must reiterate my unwavering insistence that the fraudulent account be promptly removed from my credit report. The continued reporting of this account without valid verification not only contravenes the principles of fair and accurate reporting but also perpetuates the stain on my creditworthiness.
Consumer complaint received 2023-12-28
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. (VA)

I am reaching out to address my concerns regarding the treatment of my private information by XXXX, XXXX XXXX XXXX, XXXX, Experian, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, both identified as consumer reporting agencies under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ). Per 15 USC 6801, financial institutions, including those providing information to credit agencies, are obligated to consistently respect the privacy of their customers and safeguard the confidentiality of nonpublic personal information. I believe that ( Furnisher of information to credit agencies ), classified as a financial institution, falls under this obligation. However, I have not provided written consent for the disclosure of my information to XXXX and Experian, and I wish to make it clear that any prior consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked effective immediately and indefinitely. 
As a consumer, I am entitled to ensure that my personal information is handled with fairness, impartiality, and a commitment to privacy, as mandated by the mentioned section. 
Referring to 15 USC 1681 section 604a ( 2 ), it is specified that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not given written consent for the disclosure of my information to these consumer reporting agencies. I have also been violated by XXXX XXXX XXXX per my report which shows all banking history which is a violation in my banking terms agreement they had made with me. This is a violation of my privacy via the Privacy Act of 1974. 
Additionally, in accordance with 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to non affiliated third parties unless the consumer is informed of their right to exercise the nondisclosure option. I have not been informed of this right by ( Furnisher of information to credit agencies ).

Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without authorization. The reporting of adverse information without my permission is a violation of this provision. 
According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, a person is not allowed to furnish inaccurate information to a consumer reporting agency. Equifax and Experian must ensure the accuracy of the information they receive, and I have reason to believe that inaccuracies exist.

Lastly, in accordance with 12 CFR 1016.7, I am opting out of your reporting services at this time. 
I expect a thorough investigation into these matters and a resolution that ensures compliance with the relevant statutes.
Consumer complaint received 2023-10-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

In XXXX of XXXX I purchased a " XXXX XXXX XXXX '' from XXXX XXXX with my Bank of America CC. The pass was to be used XXXX XXXX XXXX. Since the start date, the pass has not worked. There are never any flights available or if you are able to book a flight, the fees are so excessive ; its cheaper to book with another airline. I've tried to call, email, message XXXX  and there is no one who can or will assist. I also tried to go in person to the XXXX airport, and there is no one at the counter to assist. After exhausting all of my resources ; I contacted BOA submitted a claim which they placed a credit on my account and now XX/XX/XXXX they have added the charge back without any research. I know they have not tried to research or contact XXXX because there is no way to contact XXXX to validate the charge or dispute. Their response was " XXXX stated this is non refundable so we added the charge back ''. I have called bank of america over XXXX to only be placed on hold, transferred around, or simply hung up on, I should not be charged for a product or service which holds no value or can not be used. As a bank and credit provider, they are responsible for researching and following up on claims which they have not. I have an XXXX credit score and this is the only charge on my BOA account. This is the only item I have disputed, and they are not willing to follow up or research my claim. The XXXX  website shows over XXXX complaints for the same charge/issue I am disputing.
Consumer complaint received 2023-12-28
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. (VA)

I am writing to express my concern regarding the handling of my private information by XXXX, XXXX XXXX XXXX, XXXX, and Experian all of which identified as consumer reporting agencies under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ). I have ordered reports and spoken with representatives to handle these multiple infractions before submitting this complaint. As a consumer, I am entitled to ensure that my personal information is treated with fairness, impartiality, and respect for my right to privacy, as outlined in the aforementioned section. 
According to 15 USC 6801, financial institutions, including furnishers of information to credit agencies, have a continuous obligation to respect the privacy of their customers and safeguard the confidentiality of nonpublic personal information. I believe that ( Furnisher of information to credit agencies ), classified as a financial institution, falls under this obligation. However, I have not provided written consent for the disclosure of my information to XXXX and Experian, and I want to make it clear that any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
Referring to 15 USC 1681 section 604a ( 2 ), it is stipulated that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the consumer to whom it relates. I have not given my written consent for the disclosure of my information to these consumer reporting agencies. 
Additionally, under 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to non-affiliated third parties unless the consumer is informed of their right to exercise the nondisclosure option. I have not been informed of this right by ( Furnisher of information to credit agencies ). 
Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without authorization. The reporting of adverse information without my permission is a violation of this provision. 
According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, a person is not allowed to furnish inaccurate information to a consumer reporting agency. XXXX and Experian must ensure the accuracy of the information they receive, and I have reason to believe that inaccuracies exist. 
Lastly, in accordance with 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time. 
I expect a prompt investigation into these matters and a resolution that ensures compliance with the relevant statutes.
Consumer complaint received 2015-09-05
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

I was denied the chance to continue an application with the XXXX program, by Doral Bank XXXX XXXX XXXX, which has dissapeared and was bought by XXXX other XXXX banks, because I have a HOME OFFICE in the lower floor of my house. I do not know it a XXXX lender can really deny me this service. I really would like to refinance my mortage, so I can lower my mortage payments, just as XXXX other XXXX citizens have done. Please respond to my question, as I am very unknowledgeable of these complicated finantial issues and no one else has bothered to answer my question, here in XXXX XXXX. 
Thank you very much. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.
Consumer complaint received 2024-07-24
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the fair credit Reporting act XXXX 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 a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 purpose. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presum that no proof of the alleget debt, nor therefore any such debt, in fact therefore exists
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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.

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 informationisinaccurate.
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently reviewed my credit report and notice an account that was not reporting accurately. I had two late payments on an account that I was in fact paid on time. The consumers reporting agencies need to report all information with complete accuracy. This account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( ). I'm now requesting you investigate this account and update these payments to paid on time immediately. 

THANK YOU FOR YOUR UNDERSTANDING AND PROMPT ACTION.
Consumer complaint received 2024-05-03
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. (TX)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2023-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

Hello, my name is XXXX XXXX. To whoever reads this message I pray that all is well and many blessing may come toward you. I am writing this complaint to the CFPB after a failed dispute with the CRA. Please note that this complaint is from myself and there are no third parties involved. After review of my personal credit report, I have noticed that there are several inquiries listed that were not approved or initiated by me. The inquiries involved seems to be from auto dealerships that appeared within a 45-day period from XX/XX/2022, through XX/XX/2022. Interestingly enough these dealerships appear to be very far away from my home. The closest being more than 100 miles away and as far as 400 miles away. These inquiries were not made or approved by me and there are no accounts or services issued or provided to me regarding these businesses. The inquiries listed below are fraudulent and need to be removed from my report immediately. The only response I have gotten from the CRA is that these inquiries have been verified. 

XXXX XXXX XX/XX/2022 XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2022