davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-12
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. (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 2024-08-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY (IL)

Complaint against Servicer Wells Fargo for illegal use of unregulated artificial intelligence and false and deceptive statement to the Government Agency. 

On XX/XX/XXXX Wells Fargo sent AI-generated response from XXXX XXXX XXXX who lacks any contact information and made following false statements- property XXXX XXXX XXXX XXXX , XXXX IL XXXX was purportedly most recently referred to foreclosure on XX/XX/XXXX which is a LIE. Here was never any foreclosures on XX/XX/XXXX. This foreclosure was filed on different date, different year by XXXX XXXX XXXX ( " XXXX '' ) XXXX XXXX who failed to disclose who hired them. Wells Fargo was not present or disclosed in this foreclosure in any capacity. 

Please send me all documents related to foreclosure filed on XX/XX/XXXX. 

Please send me copies of any and all financial statements evidencing ownership of the account receivable which was supposedly due from me and which was allegedly satisfied after the sale of my property. 

Can you please clarify the information upon which you rely as to business records for the foundation of the claim you are presenting and identify the intended party for the distribution of funds after the subject property was liquidated ( sold to a third party bona fide purchaser for value ) on Sheriffs Sale on XX/XX/XXXX and sale to XXXX XXXX on XX/XX/XXXX? 

Please identify the person, company, or business organization ( s ) that performed functions relating to the receipt, collection, processing, accounting, or disbursement of funds due to a creditor received from me and the person, company, or business organization ( s ) that received any money from the forced sale of the property in XXXX. 

I also see that there are references to the promissory note but no references to the unpaid receivable account on the ledger of any putative creditor. Such an account is neither asserted or implied. Can you please clarify whether you represent the party who owns that unpaid receivable account due from me? This is also necessary to assess the putative servicers authority and the attorneys authority to proceed.
Consumer complaint received 2023-09-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/2023, two fraud accounts at Chase were opened under my name ( Checking and Credit Card ). I went to Chase branch location and they quickly closed the accounts. 


Not sure how my info go out there.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ProCollect, Inc. (GA)

This debt collector has not provided me proper debt validation for this aledged debt. Please delete this from my credit report.

Also I have them no permission to submit anything to my credit report and this goes against my rights as stated in FCRA Section 605B.

Also the law clearly states, '' If a consumer notifies a debt collector that the consumer retuses to pay a debt the debt collectar must cease all communication '' ( 15 usc 1692c ( c ) ). I did not claim this debt cause it's not mine and also refused to pay and disputed this debit. Reporting to my credit is a form of communication.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-01-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX conducted a credit inquiry on me without my knowledge or authorization on XX/XX/2022. I have filed an Identity Theft report on with Federal Trade Commission and I will attach a copy of the report as such. Thank you for your assistance.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I was a victim of identity theft back in 2014 where my social security number was compromised and resulted in someone falsifying my tax reporting. I have been battling multiple accounts and items that I have had no knowledge of or relationship to speak to the debt accumulated. This is hurdling me in many areas of my life, and I have tried multiply times to dispute these claims, but no resolution has been made that will allow me to move forward with my life from this point forward.
Consumer complaint received 2023-05-10
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CA)

I have a problem with card benefits from XXXX preferred credit card. I paid service fee every year but when I have a problem with lost luggage and delay luggage, I don't see anything benefits as credit card described. I also opened case and also complaint with team, but they inorged me, they didn't want to resolve my problem. They only reply my email that they understand. What happened? I don't want to hear that. I want to resolve my problem Here is my case from XXXX to now Thanks for reading my email
Consumer complaint received 2024-07-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (CA)

For about 4 months now, I've been asking Coinbase to unfreeze my account or to close my account and send my money back to my bank account and they keep telling me to wait for an email from XXXX, I've been provided all requested information but my account stayed frozen. Finally on XXXX XXXX, customer service fixed it where I could send my crypto currency to another account, so I sent it to my cold wallet {$10.00} worth of XXXX to make sure it was going to my account, after that I tried to send {$2000.00} Worth of XXXX and it was failed and my account was frozen to where I can not log in and can not see my funds. I can't process to verify i.d that it's me to unlock my account, I can't sign in and I can't chat with customer service and their XXXX number customer service is not available, it says not available and it hang up. So there's no support to get this matter resolve, I've emailed over and over with no response. I don't know what to do, I feel like Coinbase is scamming me out of my money. Before I was locked out but I could see my crypto currency but only to watch going down in price and I couldn't set a stop loss or transfer to XXXX. OR withdraw my funds, I started {$10000.00} and the last time I was able to see my account I was down to {$4500.00} now the account has been frozen, I can't sign in and see my funds there's no customer help, I've tried every way possible. I have a lot more screen shots of conversations with Coinbase customer service also emails. Please help me with this matter thank you..
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

My Only name My Only address is what's included on this complaint and my attached ID and proof of address.

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file.
Consumer complaint received 2024-01-18
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. (TX)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX  is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2024-05-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (OR)

XXXX XXXX XXXX XXXX XXXX ( XXXX minutes ago ) to Executive.office I am absolutely FURIOUS! 

I opened a Chase checking account a week ago and had my Direct Deposit switched over from my employer. My paycheck came in today and I started paying bills on online banking. All of a sudden my account is flagged and I get this message : XXXX What XXXX XXXXXXXX is going on with my account? I have no debit card, no checks, and now I can't access my funds. I am on a limited income and I need to buy my family groceries and even more urgent, my gas light is on and I need to get gas to get back and forth to work. Now my account is frozen for suspicious activity? 

I called and spent over an hour arguing with some XXXX who refused to give me a supervisor. I finally convinced him to get me a supervisor after he tells me " they will tell you the same thing I have told you ''. The supervisor XXXX XXXX called XXXX XX/XX/year> ) took half an hour and said she can't do anything. No supervisors can fix it and a back office that does not have a phone makes these decisions. It will be 24-48 hours for them to review my account. I asked for what and she said she doesn't know. 

What kind of XXXX show are you running over there? I am absolutely livid. My hard-earned money is being held XXXX for what? Nobody knows. I have no access to any funds at all to take care of my family. This is CRIMINAL!!! 

I want somebody to contact me NOW. This MUST be resolved.
Consumer complaint received 2024-04-24
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. (PA)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-27
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. (PR)

During the last tthree months I have disputing the following account on my credit report which does not meet standards for how an aacount is reported on a credit report.Please remove this account from XXXX XXXX, Equifax and XXXX for inaccurate XXXX XXXXXXXX This account was closed on XX/XX/year> however it is showing delinquent activity after the closed date.Your procedure has allowed this since XX/XX/year> and this has been highly damaging to me.I want this account deleted.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 2024-07-30
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC. (KY)

On XX/XX/2024, we lost our home to a tornado. XXXX XXXX  used to have our mobile home loan but sold it to select portfolio servicing. Because they are our mortgage people ky lawbmade us send our whole check of XXXX to the company. We overnighted the check to the payroll dept. Along with the paper the company had sent us with payoff amount. This was XX/XX/XXXX they received the check. We are on a fixed income and did not have the XXXX that was owed for payoff so we had to send the whole check. They cashed the check on XX/XX/XXXX according to our Adj. Office. They have kept the money, not paid off the loan and are still taking house payments out of our checking account. We have since received a new payoff amount of XXXX which is good until XXXX XXXX. They claim to have sent us the check back on XX/XX/XXXX but still no check but I can receive other papers from them like the payoff amount and our monthly statement. Every time I call, they tell me they will check into it and it will take several days. I have turned this into the XXXX. They replied but still did not resolve the situation. Still no check. Please look online at all the complaints on this company. They are taking advantage of a lot of people. Please help us to find a way to get our money back and them paid off. We are on a fixed income and have no money for another home. We should be getting back XXXX instead they have it all and our house payments fo a home no loner here.
Consumer complaint received 2024-01-18
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. (CA)

I've observed multiple deviations from mandatory reporting standards, raising concerns about the accuracy and completeness of the data in my report. I dispute your allegations and challenge you to substantiate your right to report this incomplete negative information on my credit report. 

Under 15 U.S.C 1681e, consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Additionally, 12 CFR Part 1022 ( Regulation V ) requires furnishers to provide information that is both accurate and has integrity, conducting reasonable investigations of consumer disputes.

Deviation from Metro 2 compliance standards, as outlined in the CRRG, jeopardizes the integrity of the data and can affect the accuracy of federally regulated reports. Therefore, I am exercising my rights to challenge these inaccurate and non-compliant items. Ignoring my demand would indicate a disregard for my consumer rights.

It is unfair for you to report information that lacks confirmation of its ethical nature and compliance with certified reporting standards. I challenge these claims and request proof of proper reporting standards.

Your actions are violating my rights, and I have outlined concerns about your reporting in this document. If not addressed in compliance with FCRA/Metro 2 standards, I will escalate these issues to the CFPB, FTC, and my Attorney General.
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

US Department of ED confirmed that my account went into Collections on XX/XX/year> which would seem to suggest that the first day of Delenquency had passed.

Us Department of ED Account numbers # XXXX & # XXXX is close to or past the time legally protected by the FCRA to be furnished.
Consumer complaint received 2023-07-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation (SC)

One Main loan company is giving me a run around and I have paid off but they keep adding fees. I had loss of income during Covid in 2020 and they have done nothing but add on more and more fees and bashed my credit. Yes there were months I couldn't pay the full amount of the monthly payments but there are many many months I paid extra or double payments. I have kept a spreadsheet and all my monthly or weekly payments for 3 years. i don't owe them anything else but they will not send me my title.
Consumer complaint received 2024-07-30
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: WELLS FARGO & COMPANY (SC)

On XXXX separate occasions, I contacted Wells Fargo in regards to fraudulent charges on my credit card account. They issued a new card on both occasions however a previous charge was still being charged to my account without my consent. Upon going over my account the second time my account was flagged for fraudulent activity, Wells Fargo sent me a form asking me to list additional charges I did not recognize. The total charges I observed were in the amount of XXXX dollars which they denied and also an additional XXXX dollars from XXXX charges that I previously reported to them but was never credited.
Consumer complaint received 2023-06-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC (IN)

I hhave absolutely no knowledge of this debt. This makes absolutely no sense to even have this debt incurred because I had health insurance at the time and gave that information to the medical office. But there was absolutely no communication between their company and myself. They just put this debt on my credit report without any notice.
Consumer complaint received 2024-07-29
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rent Recovery Solutions (TX)

moved into apartment homes in 2017 on a 6-month lease. Moved out mid XXXX after surviving a terrible hurricane Harvey, with lease ending in XXXX this was best to serve better conditions with a newborn baby, office was notified and keys were turned in. office states we left the apartment a mess which is the reason we choose to move the apartment was old and roach infested with very old outdated appliances, to try to charge us for the condition of the apartment when we moved in is unfair. before all this transpired this was not communicated with me nor my husband such large amount {$1900.00} was due, we did not learn of this until it hit our credit and even then when asking for proof and records of damage they could not provide this info to us. Once they sold the debt to a collecting agency this agency called and harassed me three to 6 times a day weekends included, when asking could i have more info or an amount they transferred me to an agent who was rude and very distasteful to the human kind. she is truly the reason I no longer will call and try to settle this debt just to have it removed off of my credit. The new debt collection company reps are mean and not understanding at all.