davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-26
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. (MA)

Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 accordance with the Fair Credit Reporting act. The list of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15U.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 advance item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (TN)

This is not my loan. They somehow got my email address and sent me the collect letter. I will provide the basic information. 

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX ( XXXX ) XXXX XXXX - XXXXXXXX XXXX, Mon-Fri XXXX  To : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Reference : XXXX They sent it to Security Credit and say I owe them the {$680.00} from a loan I got from XXXX XXXX XXXX. Which I didn't. I also have the original loan document that Security Credit sent me. All the information is for the person above, but they sent it to my email. The attachments were sent to me by Security Credit Systems.
Consumer complaint received 2024-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (DC)

On XXXX XXXX I was scammed by a fake XXXX and XXXX user selling concert tickets ( XXXX XXXXXXXX ). I sent the account {$1300.00} dollars via XXXX and instantly realized it was a scam. I filed a claim through XXXX and Chase that same morning ( within the same hour ). When I was on the phone with Chase, again within the same hour on XX/XX/XXXX, I asked that since the charge was still pending if the purchase could be cancelled and I was advised it could not since it was through my checking account. The operator assured me that I should see funds redistributed into my account within a week and was not concerned with the legitimacy of my claim ( phone call was recorded and should be taken into account when reviewing my claim ). The funds were no longer pending and taken out of my account on XX/XX/XXXX. I received the funds redeposited into my account on XX/XX/XXXX with a notice from XXXX that my account had been unfrozen. Today, XX/XX/XXXX, I noticed there was another reversal on the claim and they removed {$1300.00} from my account. I was not given a notification from XXXX but rather had to do the research myself and see via tracking an already closed claim ID that XXXX stated my claim was denied for the following reason : Based on our review, we found this transaction is consistent with your payment history. 
As a very consistent XXXX user, the largest payment I had sent in XXXX was {$500.00} to my mom. In fact, over 90 % of my transactions in XXXX were to the same 3 people with majority not exceeding {$75.00}. My profile is very consistent and this information is easy to pull and verify. Based on my use of this app and the fake XXXX account XXXX XXXXXXXX XXXX I simply dont understand how this would be consistent with my payment history and not seen very clearly as a spam account. Additionally, XXXX shows that the payment is not authorized ( see in attachment ) yet in a letter from Chase, they stated that the payment was authorized. This makes XXXX sense. It seems that there was no consistent investigative work to truly understand the situation. Financially, this will ruin me for the next few months. As mentioned, the XXXX account that I sent the money to is clearly fake and yet the profile is still active on XXXX and others have fallen victim to this scammer ( XXXX could simply remove their account and they have not ). 
The lack of visibility, communication, and effort to dismantle this hacker is extremely disappointing both by Chase and XXXX. I have been a Chase customer since XXXX and a XXXX user since XXXX and will not be continuing my services with them after this claim. I have never disputed a charge or filed a claim in the past. Is there absolutely no protection for long standing Chase customers or XXXX users? Does XXXX not vet out and ensure the profiles using their platform are legit and not scammers? I have seen countless pages of people experiencing the same issues that dont get resolved until they go through CFPB.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NY)

Chase Banking. I read up on overdraft fees and Chase is the worst. I never should've opened an account with them. They charged me {$34.00} for an overdraft of {$7.00}. Plus two more of the same for charges of less than {$20.00}. This is just today. Every week they charge {$110.00} worth of overdraft fees even when they know I have money being credited later that day or week. This is absurd and completely shady and crooked of them. I don't have a lot of money and they have taken most of all of what I have or earn. Please stop them. And people like me deserve our money back. These fees are absurd. Again, please stop Chase Banking from robbing people like me.
Consumer complaint received 2024-05-23
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. (IL)

I'm experiencing distress, dissatisfaction, and stress concerning the updates in my credit report. Some of my accounts have late payment remarks, despite my consistent track record of making timely payments. I did not miss any payments, and I urgently require your assistance to address this issue.
Consumer complaint received 2024-07-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (GA)

XXXX XXXX I owe about 13 % on my house. I purchase it for {$180000.00} in XXXX and now I owe a little over {$24000.00}. In the state of Georgia, Lender are supposed to drop mortgage insurance once you reach 20 % of your original loan. I called the Wells Fargo last week to drop my mortgage insurance and was told by Wells Fargo they had to put in a request. I receive a letter today, XX/XX/XXXX, where Wells Fargo refuse to drop my mortgage insurance even I will pay my house off in XXXX of XXXX. Wells Fargo is always trying to get more money out of it customer. This is my second house that I purchase through another bank and Wells Fargo brought my loan. I have tried to stay away from them due to unfair practices. The loan I have stated that I can drop my mortgage insurance.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

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 XXXXXXXX All these account were paid and these companies have been cashing the check and then redeeming the coupon which is called double-dipping!!!!!
Consumer complaint received 2024-05-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OH)

I was approved through XXXX in XX/XX/2024 for lower monthly payments. The IDR plan approved $ XXXX payments. Ive been charged by Mohela $ XXXX for XXXX and XXXX says the same. I do not receive communication back from Mohela when emailing.
Consumer complaint received 2024-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Home Loan Center, Inc. (TN)

Many years ago, prior to XXXX, I used a company formerly named XXXX XXXX, to consolidate all of my debts into one amount. In XXXX, I had multiple issues with the company, therefore, I decided to cut ties and pay the company in full with a final payment being {$15000.00}. After the final payment, XXXX XXXX, locked access from my online account, which didnt concern me, until I received the first call from a debt collector, who alleged that I owed {$15000.00} from a debt purchased from XXXX. I contacted my bank, which provided records of the final payment. After several disputes with the collector, blemishes to my credit report, the first collector seized communication. After consulting an attorney, XXXX finally acknowledged my account was paid in full. Fast forward to XXXX, I was contacted by a second debt collector. I was harassed, threatened and had more blemishes placed on my credit report with ghost missed payments on the XXXX account. I sent the second debt collector the email from XXXX, along with a bank statement showing that I had paid the amount and threatened legal action. Fast forward again to XX/XX/XXXX- XXXX, I now have the third debt collector, Consumer on me, who is harassing, flagging my credit history with missed payments and a newly added collection account. XXXX XXXX has now appeared on my credit under there new name XXXX XXXX and placed more ghost missed payments on my account. Each time I try to dispute old negative marks on my credit, I miraculously get more missed payments and the debt is sold again to a new collection agency. Please help.
Consumer complaint received 2024-01-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc. (TX)

Account number XXXX I bought a ( XXXX XXXX XXXX XXXX ) from a dealership ( XXXX XXXX ) financed a vehicle with Consumer portfolio service in XX/XX/XXXX. I paid {$6000.00} as a down payment. 

The amount of vehicle financed was {$34000.00}. 

My monthly payment was {$760.00} In XXXX, XXXX ( after 20 months of payments ), I realized that my payoff balance is {$31000.00}, So I called for clarity. 

I believe I have a consumer right to know the detail and what has been going on with my payment. 

I called and was told that my financing was an interest load and it charges {$14.00} daily and most of my payment ( about 75 % ) is going towards the interest and not the principle. I thought That was ridiculous because no one ever explain this ridiculous terms to me and I would not have done it. 

I was told I had paid XXXX toward interest and {$3500.00} towards principle. 

I don't think this is fair at all. As a consumer, XXXX has strategically put me into a more severe and dangerous situation because I may never be able to pay off this car. Currently the value of the car according to XXXX XXXX is {$11000.00} at XXXX miles.
Consumer complaint received 2023-04-14
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. (KY)

I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. 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.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC (GA)

There are several accounts that were fraudulently opened in my name after an identity theft incident. I cooperated with the banks in question as well as the authorities in resolution to this problem. Now I'm having trouble opening any bank accounts and am being discriminated against in obtaining funding for my business because of it. ive tried to go through every possible proper channel to remedy this situation, to no avail. and now not only was i the victim of identity theft which has destroyed my credit I am the one that it looks like done this actual act, when i did not. 
According to US Code 1681i there was NO PERMISSABLE PURPOSE and i would kindly like it stricken from my credit file.
Consumer complaint received 2024-01-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (VA)

Since XXXX XXXX, Chase Bank has neglected legal requirements to make my sister and me account holders on our deceased mother 's XXXX business checking accounts. Each of the XXXX business accounts currently has XXXX account holders : the name of the business and the name of my deceased mother. My sister and I are legally entitled to be account holders on XXXX legal grounds. First, my sister and I are now the only co-owners and only co-managers of the businesses. Second, my sister and I are the only XXXX heirs of my mother 's estate. Third, I am the personal representative ( a.k.a. " executor '' ) of my mother 's estate and have the legal power to manage the estate 's affairs to carry out the intent of my mother 's will. I have submitted all the legal documents that XXXX claims that it requires. However, XXXX has not made us account holders and has not offered a reason. This puts hardship on my and my sister 's abilities to run the businesses.
Consumer complaint received 2024-06-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CIBC BANCORP USA INC. (CT)

It is about the CIBC US Agility Savings Cash Bonus Promotion. 

According to the terms listed by CIBC US " In order to qualify for an account bonus, you must increase the current balance in your CIBC Bank USA ( CIBC ) Agility Savings account by depositing funds of {$25000.00} or more of New Money ( defined below ) from an external bank between XXXXXXXX XXXX ET on XX/XX/XXXX and XXXX XXXX. ET on XX/XX/XXXX ( the Funding Period ). The New Money must remain in your account until XXXX XXXX on XX/XX/XXXX ''. 

On XX/XX/XXXX, the " current balance '' in my account is {$1400.00}. 
On XX/XX/XXXX, I deposited new money {$50000.00} to my account from an external bank, which increased my balance to {$51000.00}. 
The New Money remained in the account through XX/XX/XXXX. 

As described, I have met the terms of the promotion and should deserve a {$500.00} bonus. However, I called the CIBC US bank and was told that I did not meet the requirements because they calculated my " current balance '' with the statement balance of XX/XX/XXXX, in which I have more than {$51000.00}. They argued that I moved the money out first and re-deposited it back to the account. 

CIBC US does not define " current balance '' in the terms properly so it is not an excuse for them to refuse to pay out the deposit bonus to customers. Besides, the money I moved before the deposit is a " wire transfer '' to a lawyer, which is used to pay the downpayment of my house, which can be confirmed by the lawyer and the account activity. There is no way that " I moved the money out first and redeposited it back to the account ''. 

CIBC US should fulfill the terms and pay out the cash bonus to the customer.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (TX)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed in document.
Consumer complaint received 2024-01-30
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (MI)

On or about XX/XX/year> I contacted the Target Credit Card Company about my account that suddenly showed a drop of XXXX points on my XXXX XXXX account and the account was suddenly reduced in available credit by over {$1200.00}. I immediately contacted the Target Company and told them that the account was setup ( AS ALL MY CREDIT CARDS ARE ) into a " auto payment so that I never miss a payment due. I was told that this was not the case and there was nothing they could do it was totally my fault and they never sent any notification of a payment due, late payment, missed payment via email, hard copy US Postal Nothing to indicate an issue. I had had a Target account for a number of years and was totally dismayed over their actions and the immediate damage to my credit. Now I find that this damage is the SOLE FACTOR in damaging my credit to the point I am unable to get a home equity loan when I need it the most. I've lost my father due to XXXX and at the same time had to repair my home due to water damage and subsequently black mold. Hence I have had to use many credit cards to their limits and now due to ONE COMPANIES credit card damage I can not get my loan and Target says they can not or will not do anything to remove and restore my credit rating. NEVER MISSED ANY PAYMENT ON ANY CREDIT CARD. You can see " E PAYMENTS '' on the account prior them showing missed payments XXXX XXXX. You can check my full credit report history and find NO MISSED/DELIQUENT payments on any other accounts.
Consumer complaint received 2024-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to express my extreme dissatisfaction and to lodge a formal complaint against XXXX, XXXX, and TRANSUNION regarding multiple unauthorized hard inquiries on my credit file. I have not given consent, nor have I authorized any individual or entity to access my credit report. The entities responsible for these unauthorized pulls must be held accountable, and I expect a full explanation as to how my personal information was accessed without my explicit permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion 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 2024-06-17
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. (TX)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM Equifax