davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (NJ)

I am posting this proof of judges ' corruption ( XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) and criminal activity on the public record for people to see how deep is the fraud on New Jersey State. I know no one is going to help my family since it is easy for the courts/bank to steal my family 's home instead of provide justice and do what's right. 

XX/XX/year> - The bank confirmed that they are the servicer for the account which is assigned to XXXX XXXX. The bank has no standing to foreclose. 

XX/XX/year> - Appellate Court Judges XXXX XXXX XXXX and XXXX XXXX XXXX XXXX denied my appeal without any explanation, bases for the denial, and without examination or finding of legal error. Appellate Court did not exercise its discretion and did not perform its duty.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXXXXXX Balance : {$100.00}, XXXX XXXXXXXX XXXX Balance : {$57.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$450.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2100.00}, XXXX XXXX Balance : {$120.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}, XXXX XXXX Balance : {$180.00}, XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-12-19
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. (WI)

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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-03-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc (TX)

I have a credit line that is {$750.00} and taken out in XX/XX/XXXX. I pay {$100.00} a month and my balance today as of XX/XX/XXXX is {$850.00}. If there needs to be a poster boy for predatory lending then Credit Fresh would be it!

You should truly examine how this is allowed to happen!!
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (NY)

Subject : Formal Complaint Against JPMorgan Chase XXXX XXXX Account Closure and Lack of Communication and withholding my FUNDS I am writing to lodge a formal complaint against JPMorgan Chase due to the handling of my business account and the severe lack of communication and transparency from their end. On XX/XX/XXXX, I encountered an inability to access my business account. A few days subsequent to this issue, I was informed that my account was under restriction pending an investigation, with no additional details provided. Despite assurances of receiving a formal communication via mail, I have yet to receive any correspondence from JPMorgan Chase regarding this matter. 

By XX/XX/XXXX, without any prior notification or explanation, I discovered that my account had been closed. Repeated attempts to understand the reason behind this action through multiple customer service representatives have been futile, with each conversation ending in " We have no further information ; your account is being handled by our back office, '' and no direct line of communication available to this department. 

Throughout nearly 50 days of attempting to resolve this issue, including numerous phone calls each lasting about an hour, I have been met with a consistent lack of information. Only once was I told that the closure was related to an investigation into funds received XXXX months prior. This lack of communication has placed my business in jeopardy ; I am currently behind on rent and payments, with no access to my funds totaling {$72000.00}. The inability of JPMorgan Chase to provide any timeline or clarity has resulted in missed business opportunities and a significant strain on my financial commitments to suppliers and other obligations. 

For the sake of transparency, it's important to note that my funds originated from a legitimate business transaction. Between XXXX and XX/XX/2023, I invested {$78000.00} in XXXX XXXX through my Chase account, and an additional {$15000.00} through other means. XXXX months later, I received a return of {$93000.00} from XXXX XXXX, the founder of XXXX XXXX. The source of my funds is clear and verifiable, and I would have welcomed any discussion with JPMorgan Chase to clarify this matter further. 

The ongoing situation with JPMorgan Chase is causing irreparable harm to my business, and I fear it may not survive another month under these conditions. I urgently request your intervention in this matter to facilitate a resolution and to hold JPMorgan Chase accountable for their actions, which have significantly impacted my business operations and financial health. 

I appreciate your attention to this urgent matter and look forward to your support in resolving this issue.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Collection Service of Nevada (GA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company failed to provide adequate notice, as required by law, which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the Cost of Credit, and the only evidence of the indebtedness provided was just a computer-generated agreement.

According to 15 USC 1802 ( K ), the term " adequate notice '' means a printed notice to me that sets forth the pertinent facts clearly and conspicuously, ensuring that a person could reasonably be expected to have noticed it and understood its meaning. Such notice could have been given to me by printing the notice on each periodic statement of account issued to me, or by any other means reasonably assuring the receipt thereof by the account holder.

Since adequate notice was not provided as per the above-mentioned section, I was unable to understand its meaning, constituting a violation under 15 USC 1602 ( k ).

Furthermore, pursuant to 15 USC 1601 ( a ), a consumer must be aware of the cost of the transaction. Since I was not made aware of the transaction, I made an uninformed decision which resulted in multiple billing errors and unfair credit card practices.

As per 15 USC 1602 ( p ), I have not benefited from this transaction, which is again a violation. The term " unauthorized use '' as defined by 15 USC 1602 ( p ), refers to a use of an account by a person other than the account holder who does not have actual, implied, or apparent authority for such use and from which the consumer receives no benefit.

I hereby request the following : DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT USING 15 USC 1692G ( 4 ) XXXX XXXXXXXX COLLECTION SERVICE/NEVADA XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO UPDATE THE LATE PAYMENTS FOR XXXX, XXXX  XXXX  TO PAID ON TIME If you accept my request, I will not escalate this matter to Federal Court. However, if you do not accept the above requests, legal action shall be taken against your Company for compensatory damages. 
Thank you for your attention to this matter. 

Sincerely, : XXXX XXXX XXXX. 

All Rights Reserved Without Prejudice UCC 1-308
Consumer complaint received 2024-07-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (MI)

Through Mohela, my payment has gone from {$73.00} per month to {$880.00} per month. I earn less now than I did when I first made the {$73.00} arrangement. I reported this and my loan was put in forbearance, but then they sent me a bill showing I can only pay {$73.00} for 12 months, after which the payment skyrockets. This is supposed to be income based repayment. When I call, their system says that no one can take my call and it hangs up on me. When I email, I get only automated replies and I hear nothing from anyone until I get a statement demanding payment.
Consumer complaint received 2024-03-03
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: WELLS FARGO & COMPANY (CA)

Payment went 30 days passed due in XX/XX/2023. I was not called nor notified in any way shape or form of the delinquency. In fact, I was out on leave from my XXXX  XXXX  and not only did I have XXXX XXXX done, but my workplace docked my pay illegally. After speaking with my XXXX, I was told my employer was in breach of contract. Because of the XXXX  and deduction of my pay, I was unaware that a payment was missed. Once I found out about the missing payment, I did my best to rectify the situation. I have been a customer with Wells Fargo for many years and I have never had any issues or problems. There is a team that is dedicated in reaching out to consumers when payments are late, however, I did not receive any notifications via mail, call, nor text. Wells Fargo verified that there is a team that reaches out to people when payments are late, however, they stated it is not mandatory. As a long time customer, I would have hoped that they would have reached out to me to rectify the situation prior to then reporting the situation. Had they of reached out to me, I could have found a way to rectify the situation even in my current state after the XXXX.
Consumer complaint received 2023-06-14
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. (SC)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX Account Number : XXXX XXXX XXXX XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-04-28
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: EQUIFAX, INC. (NY)

I NOTICE SOME UNAUTHORIZED INQUIRES ON MY CREDIT CONSUMER REPORT THAT I DID NOT AUTHORIZED AND WOULD LIKE REMOVED. ACCORDING TO FCRA THESE UNVERIFIED UNAUTHORIZED ITEMS MUST BE REMOVED. THIS IS IDENTITY THEFT I HAVE NO ACCOUNT WITH THESE CREDITORS. PLEASE REMOVE IMMEDIATLY.
Consumer complaint received 2024-07-18
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: WELLS FARGO & COMPANY (GA)

Wells Fargo began reporting itself as a creditor on my consumer report from a transaction on XX/XX/XXXX with me and XXXX XXXX XXXX XXXX XXXX XXXX. Customer disputed the information several times, with the last time being XX/XX/XXXX with the CRAs. There are several inaccuracies on the report including inaccurate listing of a charge off ( however Wells Fargo refused to give a 1099 for the discharge of the debt ), it also lists paid in full ( a complete contradiction ). The dates of the alleged delinquencies are not accurately being reported despite Wells Fargo confirming accuracy on XX/XX/XXXX, however this information is still reporting incomplete and inaccurate information. Wells Fargo has failed to maintain fair and accurate procedures in reporting information to CRAs. This failure has led increase credit cost, defamation of character, and denials of consumer credit.
Consumer complaint received 2024-02-25
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. (FL)

Since XX/XX/XXXX this online portal was locked due to identity concerns. Information was provided. Remained locked up until today. 

Ref # XXXX XXXX XX/XX/XXXX Equifax- no change but would escalate to Tech support to remove and check I. 24 hours. 

XX/XX/XXXX XXXX cut off never called back XXXX - informed tech support and nothing was done so he escalated again for ticket that was escalated XX/XX/XXXX. 
Need 7-10 days. 

XX/XX/XXXX After repeated calls. This is the same message received from before with no change.
Consumer complaint received 2024-02-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (FL)

My old phone was stolen. All my information attached with my new phone. Stole my identity applying credit card and sending money using my paypal account. 
Using XXXX XXXXXXXX  and buying stuff from store using my phone. 
attached police report .thank you.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Spring Oaks Capital, LLC (NV)

CONTINUAL PHONE CALLS FROM A COMPANY CALLED, " SPRING OAKS CAPITAL '' TRYING TO COLLECT A DEBT THAT IS NOT ASSOCIATED WITH ME. THEY HAVE BEEN CALLING ME FOR MONTHS AND NOW HAVE RESORTED TO TEXTING ME ABOUT AN ALLEGED DEBT FORM XXXX XXXX/XXXX  XXXX  . I CALLED THEM TODAY AND TOLD THEM I HAVE NEVER HAD AN XXXX/XXXX XXXX XXXXXXXX . MY CREDIT IS MONITORED AND NO NEW ACCOUNTS OR OLD ACCOUNTS EXIST UNDER THOSE NAMES AND I DO NOT OWE ANY DEBT TO THEM. THEY REFUSED TO GIVE ME ANY INFORMATION CONCERNING THE ALLEGED DEBT, NOR VERIFY MY SOCIAL SECURITY NUMBER AND DID NOT STATE THAT THEY WOULD STOP HARRASSING ME. THEY WANTED INFORMATION FROM ME BUT I REFUSED, AS I DO NOT KNOW THEM OR TRUST THEM.
Consumer complaint received 2024-07-18
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: GREENSKY OPERATIONS, LLC (MA)

I'm trying to buy a house and I've realized that I have damages on my credit report. According to the 15 U.S.C 1681 law, there shouldn't be any damages on my report. It's a defamation to me character
Consumer complaint received 2024-07-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

I opened a new checking account directly through CitiBank via a promotional offering for {$300.00} ( when criteria are met ). After creating an account and completing the required two enhanced direct deposits ( totaling over {$1500.00} as required ), I confirmed on 3 separate occasions with CitiBank representatives ( early XXXX, XX/XX/XXXX, and XX/XX/XXXX ) that I have met the promotional requirements and the funds would be directly deposited into my account on XX/XX/XXXX. Additionally, I spoke with a CitiBank representative on the phone who also confirmed I've met the promotional requirements and the date of deposit. 

After not receiving the funds on XX/XX/XXXX, I filed a dispute directly with CitiBank. After not receiving information on a resolution, I called and spoke with another CitiBank representative on XX/XX/XXXX who notified me that while I've met the promotional requirements, the dispute was rejected. The filed a new dispute and I was transferred to a manager.

This CitiBank manager shared that CitiBank 's promotional team had no record of any promotional offerings during the time I created my banking account. They requested I FAX any promotional invite to the promotional team for review, stating this was in the terms and services. After reviewing the terms again, this is not included and is therefore an necessary and prohibitive step to take. 

CitiBank is currently late on on fulfilling their contractual obligation after confirming on 5 separate occasions I have met all requirements for their promotional offering.