davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
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. (KY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-12
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: Experian Information Solutions Inc. (TX)

I have no knowledge of these hard inquiries. The hard inquiry is result of what I believe to be identity theft and must be removed no later than 4 business days as per 15 USC 1681C-2.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

This complaint is in regard to inaccurate and not applicable information listed on my credit report. With respect to 15 USC 1681, I, being a consumer, am entitled to an accurate and complete consumer report. According to my consumer report generated on XX/XX/2023 there is some inaccurate and not applicable personal information listed. This letter serves as an initial attempt to have my personal information amended to what is correct and truth standing. PLEASE SEE ATTACHMENTS.
Consumer complaint received 2023-12-12
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. (TN)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-30
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SOFI TECHNOLOGIES, INC. (WI)

I received an email offer on XX/XX/year> from XXXX for a {$490.00} signing bonus if I used the email link to apply for ( and obtain ) a minimum {$5000.00} personal loan. I used the email link, applied for a loan for {$5000.00} which was disbursed to me on XX/XX/year>. The terms stated that I needed to apply for a Checking and Savings or have a Money account - I have a XXXX Money by SoFi account so I was unable to apply for the checking account. I contacted their chat help through the SoFi app on XX/XX/XXXX to verify that my Money account was eligible for the offer and the customer service representative stated that the XXXX Money account should be eligible but that they didn't see the promotion on my profile. Per their request I sent them a screenshot of the email offer and they responded that they submitted a case for me to get the offer applied properly. I received an email reply from XXXX XXXX ( SoFi Support ) regarding the case # XXXX stating " The funds will be paid out no later than XX/XX/year> '' and asked me to contact SoFi at XXXX to submit a new ticket if I did not receive the funds by then. I never received the funds, and called SoFi on XX/XX/year> at the phone number provided to follow-up. I spoke with XXXX, who replied that he saw the note that I should have received the {$490.00} bonus by XX/XX/XXXX and he could see that the funds were not in my account so he opened a new ticket ( # XXXX ). XXXX said that I could expect a reply from SoFi in 24-48 hours. On XX/XX/year> I called SoFi again since I still had no reply and no bonus. The customer service representative I spoke with said that he could see that the ticket had been approved and that I could expect to hear back from them by the end of the week. It is XX/XX/year> and I still have not received my bonus or a response from SoFi. 
I have fulfilled all of the terms for the agreement, which has been verified by multiple SoFi service representatives, and I would like SoFi to immediately post the {$490.00} bonus to my money account as promised. I can provide a copy of the original email offer as well as screenshots from the original online chat and the email reply that stated I would get the bonus by XX/XX/XXXX.
Consumer complaint received 2023-12-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

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.

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 ye
ars.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Title : Request for Letter of Indemnification to Assist with CFPB Case RE : Closed CFPB Complaint with JP Morgan Chase Bank XXXX XXXX XXXX Dear Chase Executive Resolution Support Team, I hope this message finds you well. I am writing to seek your assistance in a matter that has recently been escalated to the Consumer Financial Protection Bureau ( CFPB ). As you are aware, my business account with Chase, which is now closed, was involved in a complex situation relating to a wire transfer to XXXX XXXX 

Background : As part of the resolution process for the CFPB complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been advised to request Chase Bank to provide a " letter of indemnification. '' This letter is intended to be forwarded to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to facilitate the resolution of this ongoing issue. 

Request : I kindly request that Chase Bank drafts and provides a " letter of indemnification '' concerning the wire transfer issue from my Chase business account. This document is crucial in clarifying the circumstances and assisting in the resolution with XXXX XXXX 

Supporting Documentation : For your reference and to aid in drafting the letter, I am re-attaching all relevant source PDFs that outline the details of the situation. Additionally, the account notes on my now-closed Chase business bank account should provide further context and information required to accurately reflect the scenario in the letter of indemnification. 

Urgency and Importance : Given the ongoing nature of this case and its impact on my business operations, I would greatly appreciate a prompt response to this request. The issuance of the letter of indemnification is a critical step in resolving the complaint and mitigating the financial and operational challenges that have arisen as a result. 

Thank you for your attention to this matter and for your continued support in resolving this issue. I look forward to your prompt and positive response. 

Sincerely, XXXX XXXX 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 2022-10-26
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. (NC)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$790.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX  Balance : {$160.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$970.00} ; XXXX XXXX XXXX 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 2015-10-02
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (IL)

I submitted a request for mortgage modification from my Nationstar Mortgage and I am into the 3rd and final month of trail modification awaiting new loan. I found yesterday from my home insurance company ( XXXX ), after I notice they have not been paid by Nationstar and we called to see why. I have left several messages for my ever changing " Dedicated Loan Specialist, '' who is now, XXXX XXXX ( XXXX ) but, have yet to speak with her. Her assistant call me and I attempted to call back at number provided, but of course no one answered. Get to the point, my insurance company was told by a Nationstar representative that they were going to forclose on my home and they do n't intend to paid escrow insurance payments to them. They never intended to give me a modification! They are valuing my house at {$320000.00} and I had an independent real estate company pull comps and they determined that our home at max is worth {$100000.00} on today 's market and that they suggested it be listed at {$94000.00}. I sent all info since they said assumed the value at about {$160000.00} initially. Well if that is the case then why are you basing the modification loan at {$320000.00}? Also, I had asked who is my lender and they would not give me a straight answer. I am still trying to find out who actually brought the foreclosure or if even they had the right. It was not XXXX XXXX the trustee and it was n't Nationstar the servicer. The court just walk over the issue and allowed this to happen without have them produce valid proof. We did not sign anything in bright blue ink! Loan documents or at least ours, was done in black! I do n't believe that there assignment docs are in order either and I have been unable to get copy. That was part of my formal request to them to know who the real lender and holder of my mortgage was.
Consumer complaint received 2023-12-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

Your inaction on this matter has caused severe damage to my financial standing and has left me deeply dissatisfied with your services. I have previously sent multiple disputes regarding the fraudulent account listed on my credit report, but it appears that your organization has chosen to disregard the clear evidence I have provided, ignoring the gravity of the situation. This fraudulent account is having a detrimental impact on my creditworthiness, and your lack of action is nothing short of appalling. 
The fraudulent account details are as follows : XXXX XXXX XXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I have taken all necessary steps to report this account as a result of identity theft, obtaining an identity theft report. I have provided you with this information on numerous occasions, yet you have failed to acknowledge it. This should raise serious concerns about the accuracy of this entry on my credit report. This fraudulent account has exceeded the statute of limitations for reporting debts, and its continued presence on my credit report is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2018-04-15
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY (NC)

My vehicle is a XXXX  XXXX XXXX, yes I got behind but continued to make payments, I would deliver payments to one of the Wells fargo banks in person, made payments above the installment agreement. Wells Fargo kept hitting me with fees and extra interest as well as late payment charges. I have paid over 50,000 dollars to this bank on this trunk, remaining money owed is less than 4,000, the truck would have been paid for if not for Wells Fargo 's attempt to " take '' my asset. Yes, I am in financial trouble but I had been paying for the truck. Wells Fargo uses the credit/personal information bureaus to determine easy targets to take people 's assets I believe. This past summer I made extra payments every single month and then Wells Fargo auto finance began to send me " bank '' checks back to my address as if I would cash them, they transferred my account to another account and I only have a telephone number, they will offer me NO written correspondence as to how I can safely proceed with finishing this loan out. Eventually I had them to agree to put almost 2,000 dollars back against my loan that they had tried to send me payment checks back for. These are payments I made at the bank that they accepted and cashed my check payments. I would just as soon they give me my title as the payoff should be XXXX at this point! I will burn the asset before I give it to them! Wells Fargo is facing a XXXX dollar fine at this point with the FTC, it should be XXXX XXXX dollars and they should be stripped of the ability to steal from consumers ever again. I was one of the people when I had plenty of money they opened new accounts for without my permission and when the so called " opening balance '' fell below what they had opened these fake accounts at they started charging me added fees for my balance being below 65,000 dollars? I don't have much any longer, I'm about to go bust bankrupt wise but I need help and I want these people that orchestrate these criminal acts prosecuted to the fullest ability of the law! I want my title to my asset and this mess closed. I am not alone in this mess, hundreds of thousands of Americans have been taken for a ride with Wells Fargo. When I bought the truck, my credit score was XXXX on the XXXX scale, after I got the truck Wells Fargo would do credit checks to lower my score every single month until I caught on to what they were doing to intentionally lower my credit score and of which I filed one of these reports and they were forced to stop because they knew if they could lower my score I could not get a better finance rate as they well know when someone with a high score is paying 8 % interest at the time that many will come knocking to refinance your rate. It's not just me, they do or did this to everyone! XXXX XXXX XXXX, he owns and controls this bank.
Consumer complaint received 2023-12-12
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. (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to 1,000 dollars per violation and clearly they violated my rights.

Under the the Family Education Privacy Act of 1974 States you are not allowed to report my income to any 3rd party or companies. This account should be removed immediately or I will be seeking damages under the law. 

the law also states that this item is over the credit statue of 7 years and it should not be reporting on my credit report.
Consumer complaint received 2023-12-12
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. 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 2023-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TN)

For XXXX XXXX  now, have been trying to get annual credit report from Experian. Error message says : " A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX  Request form .... '' There is no further information. What's going on?
Consumer complaint received 2023-12-12
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. (NJ)

The above account does not belong to me I am a victim of identity thief Under 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these terns IMMEDIATELYI These accounts should not be furnished on my consumer report as they are in VIOLATIONI1! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agerxy may furnish a consumer report under the following circurstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer, NO CONSENT IS IDENTITY THEFT, As a copy in demanding the deletion of the accounts listed IMMEDIATELYI XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-12
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. (WI)

Im resubmitting 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 that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 2024-06-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/year> I cancelled my XXXX service and received an e-mail confirmation verifying the service termination. I subsequently learned that XXXX in complete contradiction to my account termination continued to charge my credit card. Once I learned about the fraudulent charges I reached out to to seek reimbursement. The customer service representative at XXXX stated they will only do a partial credit and that I must contact my bank to seek further reimbursement. The XXXX representative provided a bank case number which they claimed is the only reference number that a bank will honor when credits are being requested. Two days later once my bank 's ( Chase ) dispute department opened I called to seek credit for all the fraudulent charges. At that time, after speaking with a manager, eventually I was told that regardless of whether my account was terminated and all these charges were illegitimate they will only provide a partial credit. Additionally, they conveyed that the " reference number '' provided had no purpose and despite claims from the XXXX customer service representative it had no use. Chase has provided me with letters regarding the disputed charges, but claims that during their investigation some of them were found to be valid and that my evidence of account termination is immaterial because of their investigative findings.