davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

Chase customer service refused to abide by previous phone conversation when an error was made into account I was charged {$23.00} unnecessarily and they refused to credit me with that amount despite their previous advice so I closed the account with a XXXX  paid off balance awful customer service that put me nerves on end. My credit is excellent so theres no reason to lie like this avaricious and despondent people.
Consumer complaint received 2023-11-19
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FREEDOM FINANCIAL NETWORK (PA)

Freedom Debt Relief consumer. 

Program started in XXXX. 

My request and report began in XX/XX/XXXX As I am nearing to the end of my program, my debt numbers were not right. One of my accounts that I added to my enrolled debt with the company this account is now in collections. I asked why? They did not know. They said an account with a XXXX balance was associated with this bank. This was not my debt. The debt I was talking about that was in collections was XXXX or XXXX XXXX dollars. Increasing now due to interest. AND in collections. 

They were confused and could not give me a definitive answer. I was speaking with customer service. I was told to verify the account in collections call back a week later for it to be resolved. They told ME to call collections. They told ME to contact the bank. I hung up in disbelief. 

Why? I have paid them a service & I have to fix THEIR mistakes. I still dont have an answer and I called a week later. Customer service still confused. Said they would report to manager. I have still heard nothing. 

I am trusting Freedom Debt Relief with my debt and they messed up to the point I feel like of no return. I am considering an attorney. I have no idea how much in fees I have paid to this company based on an account that is NOT mine. I do not trust their word. This is not my debt that is enrolled to my account and I have no account associated with it. All customer service could respond with was, This is weird. 

So, I told them I am not paying them until this issue gets resolved. I keep getting notifications how a funds delay could hurt my chances at settlement. I am not at fault here. 

Today is XX/XX/XXXX.
Consumer complaint received 2023-11-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (OR)

I've messaged Mohela on 3 different occasions requesting a confirmation response. I'm hoping to direct my extra payments to my principal. I've been trying to do this since student loan payments began in XXXX since then I've been waiting for them to respond with no luck, all the while I'm being punished by my interest that continues to accrue. 

I messaged them in the beginning of XXXX, end of XXXX, and again this week. 

I attempted to call them by phone earlier this week and waited for over 2 hours without anyone picking up.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that. XXXX. INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove this inaccurate information from my credit report. ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX. MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX, GA XXXX REMOVE ANYTHING ELSE THAT ISNT THAT.PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX XXXX XXXX XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION XXXX XXXX XXXX XXXX [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Consumer complaint received 2024-05-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (FL)

I had no chance to dispute this collection, I feel like this debt has been parked on my credit report without given me a chance to dispute, according to ( 12 CFR 1006.34 ) I feel like the collection agency is violating my consumer rights by using false. Is leading misrepresentation and deceptive means. I have no knowledge of any company by the name of CCS collections, I have no contract with them so why did they park a debt of {$1000.00} on my credit report?

They have no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of ( 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( 7 ) ( A ).

How can they park this collection on my report without following any of the legal guidelines..? If you can not prove where you legally parked this collection on my report Please remove this from my report.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

It has be XXXX  days since I have sent a notice to experian regarding the removal of the following account XXXX XXXX XXXX  Account Number : XXXX and I have yet to hear back from them. In my dispute letter I had mentioned that I was opting out of the reporting pursuant to 15 USC 6802 and 16 CFR 313.7 - Form of opt out notice to consumers. There has been no response and the information is still on my consumer report which tells me that they are willfully not complying with the Fair Credit Reporting Act. This is a huge violation of my privacy and I demand justice.
Consumer complaint received 2023-11-15
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. (MS)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX CAPITAL XXXX XX/XX/XXXX Account # : XXXX accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflects these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$940.00} XX/XX/2018 15 U.S.C , 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My Accounts with the following Bank have been technically compromised. My name, Social security number and birthdate have been altered/erased from the banks XXXX records.Bank of America {$7.00} XXXX, XXXX {$3.00} XXXX I'm a victim of Identity Theft/Fraud for the past 3 years. 

All of my identifying information & legal documents were stolen from me and my house. 

All of my asset 's are technically blocked/erased/hacked by Cyber Criminals. 

These individuals originate out of XXXX and XXXX Florida. They are a group of people that have had a XXXX XXXX with me since I was a child. 

They know things about me going back to my childhood. They know where I worked, names of friends & family, vacation destinations, home addresses, etc. I don't know them personally & I don't have any dealings business or otherwise in XXXX or XXXX Florida. 

My long standing bank accounts & brokerage accounts are currently not on each XXXX systems under my name, Social Security number & birthdate. 

For example Bank of America has {$7.00} XXXX, XXXX has {$2.00} XXXX XXXX  XXXX XXXX XXXX was approximately {$500000.00}. XXXX XXXX XXXX XXXX XXXX value approx {$500000.00}. 

I have a list of names of people involved. They have threatened me, harassed me, terrorized me for the past 15 months in XXXX XXXX Texas. It has continued here in Florida. 

While I was in Texas I filed XXXX police reports for Identity Theft/fraud, bank theft/fraud, credit card theft/fraud and death threats. A report for ID theft was filed as Fraud. 

I believe the terminology used is " Erased '' Identity/takeover, Identity Theft/Fraud I've filed several complaints with the FTC, XXXX FBI online systems, most recently : FTC XX/XX/23 ref # XXXX FTC XX/XX/23 ref # XXXX FBI XX/XX/23 copy on my phone A complete investigation needs to be conducted by the Cyber Crimes unit of the FBI effective immediately.
Consumer complaint received 2024-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

I am writing this letter in order to request your help and understanding. Back in XXXX  when the negative items was listed ], I lost my job and made a couple of late payments, even though I hated paying late. I do feel bad about it even now. However, I did get current on the account ( listed above ) as soon as my financial standing improved. I have in fact made timely payments since then. I've been working hard to make financially responsible decisions and get better control of my money. 

I am now buying a home but having difficulty in receiving an affordable mortgage rate due to the negative listing on my credit report. Thereby, I would request you to kindly remove this negative item as a gesture of goodwill. Your kind gesture would be sincerely appreciated.
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : DISCOVERBANK account number XXXX XXXX
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: KEYCORP (OH)

My ex-wife is a joint holder of this checking account. This account was not set-up with overdraft protection. It has always been my understanding that a checking account without overdraft protection, could not become more than a few cents overdrawn. On XX/XX/XXXX, after the account had already been overdrawn, KeyBank allowed the other account holder to make a withdrawal of {$4700.00}, which left the account some {$3500.00} overdrawn. This was a checking account not a credit account, and the cash withdrawl transaction should have been declined. I called and spoke to an agent who said they would file my complaint. I did not hear anything back. A week later I filled out the KeyBank online complaint form, and still have not heard anything. The withdrawal putting the account in negative needs to be reversed.
Consumer complaint received 2017-07-17
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: CAPITAL ONE FINANCIAL CORPORATION (KY)

Unauthorized inquires are on my report from Capital One Bank, NA for the dates of  XX/XX/XXXX  and  XX/XX/XXXX . I have reported this to Capital One directly numerous times by phone and mail. I have also disputed the items with all  XXXX  credit bureaus. These items were not authorized by me and should NOT be reported.
Consumer complaint received 2024-05-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (VA)

The dealer willingly and knowingly didnt give me the actual contract so I didnt have all the information needed to make the deal, dealer also willingly and knowingly sold me a car with dry rotting wheels that literally i almost XXXX  because 2 of tires popped while XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  when they said its drives great I drove it myself but didnt mention at all any problems with the car when there was a whole list, they violated our contract 1000 ways to Sunday, heres a list 1. **Misrepresentation** : they Providing false information about a vehicle 's condition, history, or features.

2. **Predatory Lending** : they Offered a loan with unfair or deceptive terms, such as excessive interest rate close to 30 % and hidden fees.

3. **Discrimination** : Treated me differently based on my age and race and the fact I came alone and try to manipulate me 4. **Failure to Disclose** : they kept my contact from me, lied about the condition of the car and said repairs 5. **Lemon Law Violations** : Selling vehicles with significant defects that aren't disclosed or adequately addressed. 
6. **Unfair Trade Practices** : Engaging in deceptive practices during negotiations or sales. They known all oral agreements didnt apply to the deal but was making a ton of them 7. **Violation of Consumer Protection Laws** : Breaching state or federal consumer protection statutes.

8. **Falsifying Documents** : Providing false or misleading information on contracts or paperwork.

9. **Forgery or Fraud** : Falsifying signatures, documents, or financial information to secure a sale or loan approval.

10. **Illegal Fees** : Charging fees that are not allowed by law or that are not properly disclosed to the customer.

11. **Violation of Truth in Lending Act ( TILA ) ** : Failing to provide accurate and complete information about loan terms, including interest rates, repayment schedules, and total loan costs.

12. **Harassment or Coercion** : continually XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  13. **Failure to Deliver Title or Registration** : Delaying or failing to provide the necessary paperwork to complete the sale or transfer of ownership. Account been paid off and theyre willing and knowingly keeping my tags and title and lie to me and send my 20 different numbers to call and half of them be fake numbers And now XXXXXXXX XXXX XXXX address XXXX XXXX XXXX XXXX Virginia XXXX have apparently brought it back from Westlake and they arent cooperating and tryna get me into another contract because they have no rights to try to collect anything
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX is a company that is here to " help '' build credit however they are falsely reporting late payments on the following account # XXXX. Pursuant to 15 U.S. Code 1681s-2 this company has reason to believe that they are reporting inaccurately because the truth in lending act states that a creditor may NOT treat any payments as late. 15 U.S. Code 1666b. Additionally, to verify that those " late payments '' are true, I am requesting that this company sends me all accounting records pertaining to this account. If they can not provide it, I demand that this company updates my consumer report to reflect PAANL status which is " Paid As Agreed Never Late ''
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AZ)

on XX/XX/2023 I sent a dispute to experian regarding some collection accounts that i had questions about. I dont believe such accounts belong to me and they have yet to respond to my request.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (NJ)

I have issues regarding overdraft fees that went unresolved and it has greatly impacted me. I have in past tried to close this account out and I have to not use the card at all with no pending transactions. Overdraft fees have impacting I to the thousands with this company and this country allows banks to do this. I spoke with a corporate rep regarding over draft fees one last time and spoke with a customer service rep about how to close my account and the company still has this stance that I can not use my bank account in order to close it. Which is tough because I have direct deposits and bills on a regular basis coming out. Transactions don't come out sometimes 2-3 days. 

This bank has never cared about me as a customer at it shows.
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (LA)

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 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 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

XXXX  account was taken during my identity theft and funds transfered to creates new account I proved fraud and identity theft with my identity theft restoration XXXX and was assured i was covered but they just closed the account and put a negative mark in my credit report
Consumer complaint received 2023-11-15
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. (CA)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2023-06-06
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. (GA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$3900.00}
Consumer complaint received 2023-04-21
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. (LA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$10000.00}
Consumer complaint received 2023-06-06
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: LEXISNEXIS (NC)

I sent in disputes for information that they are reporting and verifying as accurate to the credit bureaus that is in fact not. With the submission of my disputes I included a copy of my drivers license, social security card, passport and a current utility bill. Their response was that they are unable to authenticate my identity. This is clearly a stall tactic and is highly illegal. I am attaching the letter and documents I sent to XXXX XXXX pertaining to my dispute as well as their response. You will find that they have everything they need to authenticate me and direct information relating to my disputes.