davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-05
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. (CA)

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX Balance : {$8300.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$160.00} ; XXXX XXXX XXXX Balance : {$280.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I spoke with a XXXX XXXX who claimed to be the owner of a property that I was interested in. After going to the property and touring it I was interested in applying for it so he gave the information needed to apply and informed me that once I pay the deposit he would take the house off the market. On XX/XX/XXXX I Zelled {$1700.00} to his account as he requested and signed a lease stating that I was now a tenant at his property. Later that evening I received an email from the rental site he used stating that the property he advertised was listed as fraud. I immediately contacted Wells Fargo to let them know I was a victim of a rental scam and they started a claim which was concluded on XX/XX/XXXX that because I chose to send the money it is accurate and that the claim was closed. After speaking with XXXX XXXX XXXX XXXX XXXX XXXX XXXX department to make sure that I add my case ID to my claim. I even filed a case with the FBI due to this matter.
Consumer complaint received 2023-10-05
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: TD BANK US HOLDING COMPANY (CA)

My credit report is showing late payments to TARGET/TD XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or TARGET/TD 's customer service representative.
Consumer complaint received 2023-10-05
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: MUTUAL OF OMAHA MORTGAGE, LLC (NV)

I XXXX of XXXX  i wanted to do a cashout refinancing and i applied online.I was contacted by XXXX XXXX and we started the process. As the days went on i had to do everything over my phone while i was at work. I felt very hurried .My interest rate jumped from XXXX to XXXXafter everything was done i found out they charged my XXXX in closing costs .My orginal mortage was XXXX $ the one debt was XXXX and the lean from fha during covid was XXXX for the total of XXXX. My new loan is now XXXX. M WHEN I CALLED XXXX XXXX XX/XX/XXXX XXXX AND ASKED WHEN I WAS GETTING THE XXXX $ i was told i was only getting XXXX and they did not pay off my car as they said they where.I talked over everything with my Realtor and he advised me to file a complaint .But we called and talked to XXXX XXXX first on XX/XX/XXXX  .He was rude and short to me and my Realtor. We then tried calling XXXX XXXX and we got no reponse,
Consumer complaint received 2023-10-05
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. (TX)

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 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 2023-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

I sent a letter back in XXXX... XX/XX/XXXX ... and I DID NOT receive a re-investigation as requested. That is a violation of my rights! 

Please have this company RE-INVESTIGATE my accounts because I have reason to believe that they are reporting inaccurately. 

Thank you!
Consumer complaint received 2024-04-06
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)

This account XXXX XXXX is not mine is supposed to be deleted off my credit report from numerous disputes. It keeps appearing up and now its popped up and said the first day of the delinquency was XX/XX/2024. This is theory for the information reported on my credit report.
Consumer complaint received 2023-11-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

Today is payday, which is the XXXX and XXXX of every month. I have direct deposit. I picked up my pay check that shows direct deposit but the bank doesn't have it. They don't know what happened. I got hung up on by the representatives 3 times.
Consumer complaint received 2022-12-08
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. (NY)

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, 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 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 2023-11-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I found several unrecognized payments from my saving account on Chase bank. I immediately call my bank when I found out this problem because I think thats a fraud, I called the bank customer service last XXXX  ( XX/XX/2023 ). They said will send me a result by email in XXXX days. But I called them again today ( XX/XX/2023 ). Then they said can not guarantee that how long I need to wait. I called them 3 times but still no any updates, just let me wait.
Consumer complaint received 2023-05-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (TX)

Company ignored my request for debt validation, reported a wrong debt on my credit report, they fail to identify themselves when they contacted me through this site, they did not provide me with any updated information and They did not provide a detailed information at all that could help me identify the debt in question. This actions violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act. 
The only medical service I had that year was a workers comp case, which makes this collection illegal and to report it to credit bureaus its against the law.
Consumer complaint received 2023-10-05
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (NY)

I hope this email finds you well. I am writing to file a formal complaint regarding a promotion offered by JPMorgan Chase Bank , N.A . I have exhausted all avenues of resolution with the bank, and I believe that my complaint warrants your intervention. 

On XX/XX/XXXX, I received an email from Chase with the subject line " Chase {$900.00} Offer, '' which advertised a promotion for the Chase Total Checking and Chase Savings accounts. The offer clearly stated that to be eligible, I need to : 1. Open a new Chase Total Checking account and set up direct deposit.

2. Open a new Chase Savings account, deposit a total of {$15000.00} or more in new money within 30 days of coupon enrollment, and maintain a {$15000.00} balance for 90 days from coupon enrollment. 
I meticulously followed all the requirements outlined in the offer. I initiated a direct deposit of {$500.00} twice a month, deposited {$15000.00} on the same day I opened both the Chase Total Checking and Chase Savings accounts, and have maintained the specified balance since then. 

However, despite meeting all the eligibility criteria, I have not received the promised {$900.00} reward. I reached out to Chase customer service. During the call, the agent informed me that I was not eligible for the offer because I was not a new customer. Contrary to this, the offer email explicitly stated, " Both offers are not available to those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years. '' My last Chase account closure was in XXXX, which is more than 8 years ago, well outside the stipulated 3-year timeframe. 

The agent assured me that he would escalate this issue to the relevant team and that I would receive a response within 5 days. However, it has been more than 2 weeks, and I have not received any communication from Chase regarding this matter. It appears that Chase is not willing to honor their advertised promotion, which is both misleading and unfair. 

I kindly request your assistance in addressing this matter with JPMorgan Chase Bank , N.A . I believe that their refusal to honor the promotion as advertised is a violation of consumer rights and is causing undue financial hardship. I trust that the CFPB can help resolve this issue and ensure that consumers are treated fairly and transparently by financial institutions. 

I have attached a copy of the original offer email, as well as an email of both accounts open to support my complaint. Please let me know if there is any additional information required from my end to assist in the investigation of this matter. 

Thank you for your prompt attention to this issue, and I look forward to a resolution that upholds consumer rights and holds Chase accountable for their actions.
Consumer complaint received 2023-10-05
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: The Receivable Management Services LLC (FL)

On XX/XX/XXXX I noticed an collection on my consumer account with inaccurate info from a 3rd party debt collector. I sent them a letter on XX/XX/XXXX to the mailing address they have listed on consumer reporting agencies for dispute. I sent the letter certified mail and the mail got forwarded back to me because they changed address without updating their info elsewhere not giving me no chance to dispute these inaccuracies or investigate and validate the debt for me under 15 usc 1692G. I sent the letter certified mail with USPS tracking number XXXX
Consumer complaint received 2023-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX account for {$1300.00} now sold to XXXX XXXX XXXX This account was opened fraudulently. I have already disputed and had this account removed previously for identity theft. It has been sold to another company and placed back on my report. It needs to be remove
Consumer complaint received 2023-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (KY)

Complaint against Fifth Third Bank. I have been trying for months to remove my PMI as my loan to value ratio is around 55-60 % and the company has ignored me for months. 

I finally got through to them and they tried saying my property is at 83 % LTV and are making me pay for an appraisal. 

Just to be done with it I accepted and sent the documentation and they have yet to get back to me again. They are blatantly stealing from me when my property is worth between XXXX and my amount owed is XXXX. This is occurring by answering me very late and by not having removed my PMI yet.
Consumer complaint received 2023-10-05
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. (CA)

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, and XX/XX/XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Consumer complaint received 2023-10-05
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. (PA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$4500.00} XXXX BANK XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX Inquired on XX/XX/ RESIDENT VERIFY Inquired on XX/XX/2023 XXXX XXXXXXXX Inquired on XXXX XXXX XXXX
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

I kept receiving emaila from XXXX XXXX XXXX  that if I made my account current I could continue to use the account. Though I had fallen behind I wanted to get current with my accounts that were behind. On my CRA reports the account kept ahowing as open. 

On XXXX I paid the account in full. Immediately after paying the account in full XXXX reported the account as a charge off.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I have writing several dispute letters disputing the reporting of late payments on my XXXX XXXX XXXX account, as reflected on my credit report. I believe that Experian, as a consumer reporting agency, has violated the provisions outlined in the Fair Credit Reporting Act ( FCRA ) Section 1681a ( 2 ) ( A ) ( i ), particularly regarding the reporting of information during the COVID-19 pandemic.

As a result of the unprecedented circumstances created by the COVID-19 pandemic, I, like millions of other individuals, have faced significant financial challenges. These challenges have included job losses, reduced income, and unexpected expenses, making it difficult to fulfill all of my financial obligations in a timely manner.

In accordance with the FCRA Section 1681a ( 2 ) ( A ) ( i ), it is imperative that consumer reporting agencies, such as Experian, report accurate and up-to-date information. Given the unique circumstances brought about by the COVID-19 pandemic, it is essential that these reporting agencies consider and properly reflect the impact this global crisis has had on individuals ' ability to meet their financial obligations. Additionally, Prior to the pandemic, I maintained a good payment history with XXXX XXXX XXXX. However, as a direct result of the pandemic 's adverse impact on my financial situation, I experienced difficulty in meeting the original payment terms. In response to this situation, I proactively contacted XXXX XXXX XXXX and provided evidence of my financial hardship, including documentation of reduced income and increased medical expenses incurred during the pandemic. 

Recognizing the exceptional circumstances, XXXX XXXX XXXX granted me a temporary payment arrangement, allowing me to catch up on my missed payments gradually. Regrettably, these accurate and agreed-upon details have not been properly reflected on my credit report maintained by Experian. 


Experian is also reporting my credit acceptance account as open with a balence this is incorrect. My credit acceptance account has been PAID, CLOSED with a {$0.00} balence. Please view attachment below.
Consumer complaint received 2023-01-30
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Climb Credit Inc. (MA)

Good morning, I signed up for a CLIMB credit loan in XX/XX/XXXX, the terms of the loan stated that it was I/O for 6 months and I was granted a grace period of 1 month after funding of the loan. The terms submitted to me stated that the loan would fund and payments would start on XX/XX/XXXX. The loan funded in XX/XX/XXXX, I had 1 I/O payment and now they are switing to the whole amount in violation of the agreement.
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX XXXX XXXX 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 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 An 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 2023-10-05
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. (TX)

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 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 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 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.