davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (NY)

Chase deleted, without notice, my phone number from a internal sub-system customers do not have access to preventing me from logging into my account as there is no phone number to send the code to. 

Instead I am told to call a number that asks for information I do not have. Specifically a debit card number ( the credit card I have with them does not work ) or account number ( which does not exist for my account ) and hangs up if this information can not be provided.

After multiple calls to various departments one was finally able to give me a code but not resolve the issue. Forcing me to have to spend hours on the phone anytime I wish to interact with my account in any way.

As NY is a one party recording state I have recordings of all the calls that can be provided upon request. It is a large volume of data and as such not included in the initial report as I fear it will overwhelm the upload limit.
Consumer complaint received 2023-09-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (SC)

I recently purchased a tesla and did a third-party loan through XXXX. The funds were sent by check from XXXX to Wells Fargo without all appropriate XXXX account information. XXXX uses Wells Fargo as their bank. The check was cashed by Wells Fargo and deposited into the general Wells Fargo auto loans account and not the correct XXXX loans account. XXXX has not received payment and all efforts to work with Wells Fargo and XXXX to correct the issue have failed. Efforts to have XXXX help retrieve funds have been unsuccessful stating that since the check was cashed by Wells Fargo there is nothing XXXX can do. Wells Fargo will not return the funds to XXXX.
Consumer complaint received 2024-04-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BARCLAYS BANK DELAWARE (TX)

Between when I was XXXX to XXXX years old my mom opened over 20 credit cards in my name without my consent, spent the money and pretended to me, all while racking up thousands of dollars of debt. When I found out what she had done, we had a verbal agreement in which she stated she would be paying off all the credit cards. Despite her statement, on Tuesday, XX/XX/XXXX I was served with court papers stating Barclays is suing me for over {$3000.00} worth of credit card debt. I have contacted the XXXX XXXX court and Barclays both of which have started an investigation into the fraudulent card. I have also contacted the credit bureaus and mark that card as fraudulent as well. I have attempted to file a police report. However, this incident occurred in XXXX, NY and I've lived in XXXX, TX for almost 3 years now. I contacted the XXXX police and they told me to contact the XXXX police due to the incident occurring there. When I called the XXXX police, they stated I needed to contact the XXXX police since that is my current residence. I would told my a lawyer to file a complaint here.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I'm asking for a Complete Investigation of the Address Location & Name of the Inquiry because this address is inaccurate & incomplete and the business is CLOSED. I Dispute these inquiries. 

XX/XX/2023 an Inquiry was made. The Inquiry shows as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This is a FRAUDULENT address & this location is CLOSED. The Thief has reported this address incomplete as this is not the full name of the address location. The thief also reports a phone number that's not a telephone that belongs to the address reported. 

I am an Identity Theft Victim. Equifax received both Police Identity Theft Report and a FTC Identity Theft Report in XXXX to alert my personal information was being used against me & to block the scammer from gaining access to my credit file. These names were included in both reports. 

XX/XX/2023 an Inquiry was put on my Equifax credit file. The Inquiry shows as follows : XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX Phone : XXXX ( No Contact ) I do not acknowledge this Inquiry and it doesn't belong to me. This is also a Fraudulent Inquiry. I have never applied for credit with XXXX XXXX at any time. This is Fraud. 
Both Inquiries are connected in my credit file as " ONE '' Inquiry. Both Inquiries are connected & each other & both are reporting using different forms of missing information which is inaccurate. Both reportings are false because each inquiry contains FALSE & INACCURATE info so BOTH Inquiries should be removed. These are not mistakes or coincidences. This is fraud done with intent to harm my credit. I had Credit Monitoring in place.
Consumer complaint received 2023-09-26
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Onity Group Inc. (FL)

This loan is under my parent 's name. In XX/XX/2022 we sent a notarized family transfer form as requested by PHH Mortgage to have my parents removed from the loan and list me as the only primary borrower. All documents requested were sent with the form and they stated they needed the lien to be changed to name only for me XXXX XXXX to assume the loan. The same mortgage company PHH now placed forced placed insurance because the insurance policy is under my name only and not my parents which they required to be removed from the deed in order to process the assumption. PHH has continuously delayed the assumption process and now i have my own insurance policy and they also have an insurance policy which is illegal to have 2 policies for the same collateral.
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

Citizens Bank sent me a {$600.00} offer. 
I met the conditions of directly depositing {$500.00} into checking account. Initially I deposited {$50.00} in each account. 
I was checking my balance online and the app had locked me out within a few days. I called customer service and they told me to go to the branch. I went to the branch and they told me that both accounts had been closed with no explanation. I have around an XXXX credit score. 
It seems like they wanted my information and they made sure I did not get my {$600.00} offer. it appears very unethical, please assist. 

I finally received a letter from their fraud operations group, saying that my accounts were closed and no explanation.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I trust this letter finds you well. I am writing to express my sustained dissatisfaction and frustration regarding the unresolved issue of fraudulent items persisting on my account despite multiple attempts on my part to address and rectify the situation.

I have diligently pursued the correction of these entries through numerous attempts, as outlined below : Initiated contact with your customer service department to report and request the removal of fraudulent items from my account.

Submitted a formal written complaint, providing detailed documentation and evidence supporting the fraudulent nature of the items in question.

Engaged in follow-up communication with your fraud department, providing any additional information requested and cooperating fully in the investigation process.

Escalated the matter to a supervisor or manager within your organization, seeking urgent intervention and resolution. 

Despite these concerted efforts, the fraudulent items persist, causing significant distress and financial uncertainty. This situation not only jeopardizes my trust in your company but also raises concerns about the effectiveness of your fraud prevention and resolution procedures. 

I implore you to conduct a thorough and expedited investigation into this matter and take immediate action to remove the fraudulent items from my account. Additionally, I request clear communication regarding the steps your company is taking to prevent similar incidents in the future.

If this matter is not resolved satisfactorily within the exact timeframe from the date of this letter, I may be compelled to explore alternative avenues, including reporting the issue to relevant regulatory authorities and seeking legal counsel. 

I am asking for your assistance to remove this fraudulent item in my credit file : XXXXXXXX XXXX
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

list of inquiries that were not made by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-26
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. (PA)

These collections and inquiries are not mine and are reporting incorrectly. I demand that these accounts below be removed immediately from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GOLDEN 1 CREDIT UNION, THE (CA)

I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below THE GOLDEN 1 CREDIT UN XXXXXXXX
Consumer complaint received 2024-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (TX)

I have been paying back my student loans of XXXX since XXXX after graduating college. I have not missed a payment, even with temporary XXXX down during covid XXXX. My loans went down from the XXXX at the time to XXXX, now as of XX/XX/XXXX I have {$620.00} in accrued interest, bringing me back up to almost XXXX. The interest rate is XXXX which is lower than most places, but Im never going to be able to pay off my student loans if Im accruing hundreds a month in interest, despite never missing a payment, and sometimes paying more than owed when I can.

I applied for a repayment plan to assist me in paying off my loans and I have been given three different price quotes and told to reapply twice. I dont understand how my debt is growing so fast and why I cant get an accurate repayment plan payment.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am XXXX XXXX XXXX, resided at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX with Social Security Number XXXX and born onXX/XX/XXXX who received your responses and Im the one who submitted a complaint last XX/XX/XXXX. The listed items were fraudulently and I never signed any contracts with the listed items in my credit file. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The supporting documents are attached in this complaints. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 : //www.ftc.gov 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 XXXX 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 2024-01-04
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)

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. 
has violated my rights. Or a list of inquiries : 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 2024-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MA)

Ive submitted paperwork certification for PLSF and the payment counts, employment dates and ineligible payments seem to be incorrect. I am still employed by same company completed the form less than a year ago and dont understand why my account is not updated correctly. I have not been successful with getting in contact via phone with Mohela and submitted email requesting information. Please let me know how to proceed so that my information and payments, counts reflect correct.
Consumer complaint received 2023-09-18
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: AMERICAN EXPRESS COMPANY (TX)

There are multiple fraudulent inquiries on both my credit report and my XXXX XXXX XXXX consumer report XXXX XXXX XXXX dates are as listed : " XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 

My XXXX  credit report shows fraudulent inquiries on the dates of
Consumer complaint received 2023-11-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

I WAS VIOLATED! As a natural person who is federally protected. I am notifying you that you have help damage my name and my reputation. Your corporation has offensive activities towards me as a consumer, such unauthorized use that did not serve me any benefit. I have been violated as such, the truth and lending act 15 USC 1692C ILLEGAL TO COMMUNICATE, 15 USC 1692 ABUSIVE PRACTICES OF DEBT COLLECTIONS you violated my privacy and only I deem what is private to me AND you COMMUNICATIONS TACTICS ARE ILLEGAL! 15 USC 1692 G VALIDATION OF DEBTS you do not have permission to say I owe anything because as natural person and according to the TILA I validate debts because I am original consumer. This does NOT allow debt collectors to obtain a copy of " original contracts '' as I DO NOT have contracts with XXXX XXXX XXXX, you do not have granted that permission. As per congress, you violated me, your corporation is criminally liable pursuant 15 USC 1611 because your corporation willingly knew that you were complying to a transaction that is fraud. Pursuant to 15 U.S.C 1681 ( a ) ( 4 ) - your company assumed this role. You were not GIVEN express permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information. You also assumed this role, and assumed this information was valid. Which is a violation of my consumer right. It is a violation as per 18 U.S. Code 241 for two parties to come together and conspire against MY rights as consumer. READ 15 USC 1692D & E ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. the law is created to protect me the CONSUMER! You are illegally communicating with me for debt not owed.
Consumer complaint received 2023-03-22
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. (NY)

My name is XXXX XXXX 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX