davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-25
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accountsin from my 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
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following hard inquiries have been disputed several times and they are still on my XXXX equifax and XXXX credit report. I have no knowledge of these inquiries or any knowledge of the companies associated with these accounts. I been disputing these since XX/XX/XXXX and I want these 6 hars inquiries removed immediately because this is in violation of the FCRA
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Uplift, Inc (CA)

I opened a personal loan account for XXXX XXXX purchase in XX/XX/2023. UpLift company is the lender. My payments were accurate and always on time. From XX/XX/2023 company blocked my online access, hindering me to pay off my balance. I called them for maikng phone payment, was denied assistance. They escalated my account to collection in retaliation due to my complaint-demands to fix my account online portal system glitches and/or accept my payment over the phone. I was denied communications, never got callbacks or replies to my emails. This lender committed serious banking laws violations, banking discrimination and predatory lending. Attached is a proof of what problems I faced and continue to face up to date. My credit score was crushed fraudulently. I need your help to enforce the laws and intervent in this problem. The Uplift company has lengthy history of violations and bad reviews by similarly victimized customers. Review the XXXX Website and online platform, to better understand teh magnitude of their violations. This Lender must be investigated and audited.
Consumer complaint received 2023-06-06
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: DriveTime (GA)

In 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 rights to my privacy.

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IA)

You closed my previous complaint without anything being done. As they made me promises they did nothing to help me with. They did not help me get this problem resolved. Plus what they done they should wipe away all these big fees they are charging me on top of not taking anything off of the remaining balance they are adding the amount owed on top of my balance as loan balance before forbearance was the same as now with now owning XXXX in interest and late fees and payments and XXXX still owed on my loan sothey did not do anything to help me get this resolved
Consumer complaint received 2023-12-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (NY)

Since XXXX of this year, Chase has deducted {$34.00} from my checking account thirty three ( 33 ) times ( including 5 times this week ). That's {$1100.00} despite the fact I'm opted out of overdraft. They're supposed to decline all transactions if I don't have sufficient funds in the account, but they pick and choose which ones to decline. A lot of these charges are for transactions {$50.00} or less! I thought we had a law that curbs these exorbitant fees by these banks?
Consumer complaint received 2023-12-15
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

Our XXXX XXXX XXXX XXXX has been the repeated victim of ACH fraud and Citibank both didn't take commercially reasonable steps to keep our money safe and is not refunding us. We reported all of the fraudulent transactions within 2 weeks of the fraud taking place- often within days. We have made many internal appeals to Citibank- none have been in our favor. We have also asked repeatedly why no security measures were taken to protect us from this fraud but have not been given satisfactory answers XX/XX/XXXX : Fraudulent ACH XXXX debit for {$300.00} - initially received a refund on XX/XX/XXXX but that refund was reversed on XX/XX/XXXX XX/XX/XXXX : Fraudulent ACH XXXX Debit for {$1300.00} - reported to Citibank and we never received a refund. 
XX/XX/XXXX : Fraudulent ACH Credit card Pay to XXXX for XXXX : initially received a refund but that was reversed XX/XX/XXXX : Fraudulent ACH credit card pay to XXXX for XXXX : initially received a refund but that was reversed XX/XX/XXXX : Fraudulent ACH transaction to ACH XXXX XXXX for {$800.00} dollars : initial refund that has not yet been reversed
Consumer complaint received 2023-06-05
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2023 I went to cash a check at Bank of America in XXXX XXXX nj. During the process I was told the check was post dated which is something neither me nor my lawyer who gave me the check noticed which is cool. But the issue comes with the way I was treated by the manager at the time who wouldnt give me her name. She literally said to me and I quote I just dont see why a realty group would give YOU a check ( emphasis mine ) my question is why would she even ask that question? Does it matter why someone would write me a check? Also being that I will be able to cash the check on Thursday the XXXX XXXX  XX/XX/2023 will I receive further what I took as discriminatory treatment.
Consumer complaint received 2020-07-29
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. (CO)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$15000.00}, {$0.00}, {$0.00}, {$1900.00}, {$5200.00}, {$5200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, XXXX XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

XXXX. XXXX XXXX BANK with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 



-- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account.
Consumer complaint received 2018-10-24
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: EQUIFAX, INC. (GA)

This my second request via CFPB, your company has fair in providing full validation of this public records in the way the FCRA require, you has no provide me proof of how you validate these public records, who did you spoke with, position held by this person, how long was this conversation. I a third party was use to validate this public records this is a clear violation of FCRA and this request will constitute proof of my request to your company to enforce my consumer '' s right. An identity theft report had been filed with the FTC and a police report had been filed : XXXX County Police Department # XXXX. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. if you continue listing these items illegally this complaint will serve a proof in a court of law. I'm reporting this as an effort to clear my name.
Consumer complaint received 2018-10-24
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NH)

They will not help me lower my payments or let me do. A foreberance while Im out of work. I do not have the money to do so. Since this Monday they have called 17 times in 2 1/2 days. All day none stop from collections. XXXX ( XXXX ) XXXX And XXXX ( XXXX ) XXXX are the numbers that call all day and night looking for money. This is just my number, theyve been harassing my mother on her work and cell phone as well all day long looking for money as she is a co-signer. I have proof with the phone log records and voicemails. They are harassing me at this point now and not nice when I let the know my situation. Not sure what else to do at this point with the harassing calls.
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I received a letter in the mail on XX/XX/2023 stating my credit card had be closed. Due to previous circumstances which I never had anything fraudulent on this credit card nor disputed anything. I didnt receive anything stating my account was being closed until yesterday as the letter was stated XX/XX/XXXX.
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST PORTFOLIO SERVICING INC (CA)

When trying to close my credit card account, I was put on hold for a significant period of time while the operator tried to find " supervisor '' who was apparently the only one that could close my account. I was on hold for over an hour with the operator coming on every few minutes to make sure I was still there.
Consumer complaint received 2023-06-02
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: JPMORGAN CHASE & CO. (NY)

I hope this letter finds you well. I am writing to bring to your attention a concerning matter regarding my credit report. Upon reviewing my credit report, I have noticed an unauthorized hard inquiry that was recently pulled by JPMCB on XXXX XXXX 

I want to clarify that I have no knowledge of any transaction or business association with JPMCB, and therefore, I do not recognize the validity of this hard inquiry. As a result, this unauthorized inquiry is significantly impacting my credit score, which has been diligently maintained.
Consumer complaint received 2023-06-01
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: JPMORGAN CHASE & CO. (NY)

I am writing to request the removal of an inquiry from my credit report that was initiated by Chase Business. According to the advertisement I responded to, the application process was meant to be conducted under my business 's Employer Identification Number ( EIN ), and not linked to my personal credit. 

Details of the inquiry are as follows : Creditor : Chase Business Date of Inquiry : XX/XX/2023 I believe there has been a misunderstanding or error in this matter. As stated in the advertisement, my intention was to apply for credit solely under my business 's XXXX number, which should not impact my personal credit profile. However, it appears that an inquiry was made against my personal credit instead.
Consumer complaint received 2023-05-30
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: JPMORGAN CHASE & CO. (CA)

I write in response to a fraudulent Chase account that was opened using my name and social security number. I discovered this account on or about XX/XX/2023 when I went to lease a new vehicle. The dealership ran my credit report and informed me that a Chase card was adversely impacting my credit. I immediately called Chase to file a fraudulent application / account report. I was informed that I would receive correspondence confirming that the account was closed, canceled and removed from my credit report. I did not receive any such correspondence. When I called to follow up on the status of this matter, I was informed that my claim was denied and that I would be responsible for this account because a valid payment had been made on the account. I have never applied for nor had any Chase account. I do not know who made a payment on this account or that if the payment was valid or not. I am hereby demanding that Chase comply with its obligations under the FCRA and to remove this account from my credit report immediately otherwise I will no choice but to proceed with legal action. Thank you
Consumer complaint received 2023-04-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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. 

Account name : XXXX Account number : XXXX Account name : US Department of EDU, Account number : XXXX Account name : US Department of EDU, Account number : XXXX Account name : XXXX XXXX XXXX, Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX  XXXX Account number : XXXX Account name : XXXX, Account number XXXX XXXX Account name : XXXX XXXX XXXX, Account number : XXXX Account name : DEPTEDXXXX, Account number : XXXX Account name : DEPTEDXXXX, Account number : XXXX Account name : XXXX, Account number : XXXX, has violated my rights. 15 USC 1681 SECTION 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. 15 USC 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 2023-05-30
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: WELLS FARGO & COMPANY (DC)

I am a victim of identity theft and fraud there have been accounts opened in my name that I have not been aware of I checked my credit report yesterday and I have seen several accounts that I never applied for or opened.
Consumer complaint received 2023-12-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc (FL)

XXXX XXXX XXXX is trying to illegally collect a debt that I do not owe. Please see attached. I only used their gym for 2 months of a 12 month contract, but I paid the entire 12 months. In person, in writing, by phone and in email I have repeatedly told XXXX that I will no longer do any business with them. They continue to harass me, and are trying to coerce me into going back to their gym by abusing the collection process. 

Today I asked an employee of XXXX XXXX XXXX to have an attorney review this, as no attorney has been used to review this yet. She refused to do so. 

There are XXXX  attorney generals office consumer complaints against XXXX XXXX XXXX XXXX XXXX, and even a XXXX  settlement against the company. They are still doing these illegal business practices!
Consumer complaint received 2023-05-29
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: Maximus Federal Services, Inc. (GA)

I just received a letter from your company stating that I owe an outstanding balance. This letter is not a refusal to pay, however, I would like to let your company know that I am disputing your claim. Under the FDCPA, I am allowed to request verification from collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC, so I am asking that your company supply me with a copy of the following : 1.Proof that you either own or were assigned the debt from the creditor 2.Proof that you have the right to collect this debt in my state 3.Proof that your company carries a bond 4.Proof on how your company assessed the outstanding debt 5.Payment history from the original creditor 6.Name and address from the original creditor 7.Copy of the original contract bearing my signature Thank you for your time and cooperation
Consumer complaint received 2023-12-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

multiple times account was supposed to be working with direct auto payment from our account but it does not. Then we get calls from an outside us call center. Reps are rude and hard to understand. Even when they call they actually sound like scam.and when you try to fix the issue they still treat you harshly. And after auditing the account I noted we have about 4 late fees that were attached. These late fees were also not explained and seem to come up under the original payment form. They add late fees without telling you.even though its their fault. Im seeking these late fee be refunded to us. And professional an courtesy when contacted.
Consumer complaint received 2023-05-28
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: Credit Karma (MD)

I'm not really sure my phone seems like it has been since XXXX on my credit line it's as if someone stole my identity and is putting fraudulent loans and or line of credit in my name I have no debt so I'm confused how in XX/XX/ my credit score dropped XXXX points and I don't understand why it's difficult for me to get information on why this is happening.