davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-27
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (VA)

Chase bank allowed someone to open an account in my name. I tried numerous times to rectify this matter to no avail. Every time I am connected to the fraud department they connect me across seas to people where there is a distinct language barrier that are asking me enough information to steal my entire identity. After numerous times advising them I live in XXXX  XXXX and there is not even a chase bank here I have to reach out to you guys for assistance. This ping came to my credit report where I have since put a lock on my social security number to prevent any further activity. The reason chase bank is allowed to be frauded so easily is because of how difficult they make it for the one being frauded to stop the fraudulent activity before it is escalated. Their fraud department is located across seas and not domestic. We are forced to stop fraud under our name by given out all of our information. Information that is not required to open an account to their bank. Such as social mothers maiden name addresses etc. I need this account closed because it is not mines and I need this inquiry removed from my credit report immediately.
Consumer complaint received 2016-08-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Worldwide Recovery LLC (OK)

I 've been getting calls from a blocked/private number. A woman by the name of XXXX leaves a message saying that I need to be at home or at work ( with a witness or supervisor present ) on a certain day to sign for something ; but she never states what it is. She alluded to the fact that it was a military document I needed to sign for ( I 'm joining the military soon ). Yet on the day she said she would arrive, no one came. I 've gotten two more calls this week from her stating that I needed to present myself to sign or it would be seen as a 'failure to comply '. I 've called the number she 's given me and left a message ; someone from Worldwide Recoveries called me back and left me the same number that XXXX did. This call was also from a blocked number. I do not know who these people are or what they want, but this is bordering on harassment and stalking. If this is a collection call, then they need to state who they are and who they are collecting for.
Consumer complaint received 2023-05-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

1.I was scammed from XX/XX/XXXX ( XXXX ) to XX/XX/XXXX ( XXXX ). 
On XX/XX/XXXX, at XXXX, I wanted to sell my washer and dryer, so i posted a list on XXXX XXXX to sell them for {$500.00} ( Both ). And then, around XXXX, a women contact me on XXXX XXXXXXXX, and said that she wants them and her stepson would pick it up tomorrow, so she want pay me before he comes and she don't have cash. so, i agree to use zell. After that, scam began. Firstly, she said she needs my email address to verify my account. so i tell her. Then, she said she has sent XXXX to my zelle account and showed screenshot to me. and then, i got a email from " zell support ( fake ) '' says " {$500.00} is above my limit '', so she and i need transfer another {$200.00} at the same time to release the funds. in this period, she pretended she has got a same email and tricked me to send {$200.00}. after I sent it to the account that email provide, another email sent to me and she said she got the same email, which said due to technical issue she and i have to send another {$200.00} to get whole refund ( XXXX XXXX XXXX XXXXXXXX ). and then same trick happened again. 
At last, i was induced to transfer {$1700.00} ( XXXX ) to 4 different account ( fake agent account ) until i recognize this scam. 
2.after that, around XXXX on XX/XX/XXXX, i connected customer service of my bank-Wellsfargo because i use zell function inside wellsfargo App. And then, one agnet heard what happened to me and submit my claim to bank 's system. 
3.after that, they began investigation, they didn't ask me any files or record during their investigation in the following 10 days. 
4.XXXX  XXXX, i got mail from wellsfargo, it says my investigation has been completed and closed. My money can only be return if other bank ( scammer 's account bank ) return the money to wellsfargo, otherwise my money gone and no way to got it back because it's authorized by me means it's on me. But, i think i was tricked or induced. 
5.then, i found a video on XXXX : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, it says there is law called " regulation E '' - if someone induced me to transfer the money even if i agreed to it, my bank should reimburse me. so, i contact to bank 's customer service, and they said regulation E only valid when bank didn't finish investigation. but for my case, it has been completed. 
So, i am confused about if Regulation E can be used in my case. i need a clearly explaination why Regulation E can be used in cases in video but not in my case.
Consumer complaint received 2023-02-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (SC)

Some auto loan borrowers prepaid for XXXX coverage, which insures the amount owed on a car loan if you have an accident or your car is stolen. Wells Fargo acted unfairly by not refunding money when the loan terminated earlyfor example if it was paid off ahead of schedule.

Some customers auto loan payments were not applied correctly to their balances, leading to higher interest charges, late fees, and wrongful repossessions.

Some auto repossessions were also mismanaged, including how the vehicles were sold after repossession.

The amount of the payment varies. For automobile repossessions, you could be reimbursed at least {$4000.00}. Wells Fargo will also pay {$77.00} XXXX to approximately XXXX customers who had issues working with the company to modify their loan payments to avoid foreclosure. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- My previous complaint was not taken seriously by Wells Fargo. 
They left me strained in Georgia with no way home for weeks. I never received any of the information they stated they sent to my home address. 

My complaint ID # XXXX I as a united states XXXX have been done so wrong and my rights as a human being were put into question. I have so much XXXX  and XXXX  from dealing with Wells Fargo. The mention of the banks name sends chills up my spine. I hope that you all can assist me in getting what I deserve. I believe I should be entitled the {$4000.00} plus more for my time and being left stranded and also my job being put into jeopardy. After I was able to get back home after weeks of being stranded in Georgia I had to take a mental leave of absence from work recommendation by my XXXX. I have the letter to prove this informing also. Please assist me in getting what I should from this unethical giant bank also know as Wells Fargo.
Consumer complaint received 2022-11-29
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: EQUIFAX, INC. (WV)

I noticed a couple of inquiries on my credit reports on Equifax, XXXX and XXXX that I am not aware of/ authorized. I am sure someone close to initiated these fraudulent moves and it is now hurting my scores. 
These are the Unauthorized Hard Inquiries on my credit report : XXXXXXXX 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 2024-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I recently review a copy of my credit report and notice I had fraudulent Inquiries on 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WI)

On XX/XX/XXXX I contacted XXXX about the following negative accounts XXXX XXXX. ( Open Date XX/XX/XXXX, Balance : {$900.00} ), XXXX XXXX ( Open Date XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX XXXX XXXX ( Open Date XX/XX/XXXX, Balance : {$0.00} ), XXXX  ( Open Date XX/XX/XXXX, Balance : {$1000.00} ), XXXX XXXX XXXX XXXX  Open Date XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance {$7300.00} XXXX XXXX. ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX. ), XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$570.00} XXXX XXXX ). Its been over 45 days and XXXX havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2023-05-27
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: CL Holdings LLC (VA)

Jefferson Capital placed 5 derogatory accounts on my consumer report, I have asked for verification be sent to me however I never received any documents showing proof However Jefferson Capital took it among themselves to feel as is they could just place inaccurate accounts on my report.

According to 15 USC 1692a ( 2 ) the term communication means conveying of information regarding a debt directly or indirectly to any person through any medium. Any medium includes oral, written, electronic or any others which includes nonaffiliated third parties such as the 3 CRAs. 15 USC 6801 ( a ) states it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Be Advised that I have not given any Company consent to share my nonpublic personal information. This Company has not only infringed my rights to privacy but has violated multiple Federal Laws. XXXX allowed Jefferson Capital access to my consumer report without my permission, Jefferson Capital had no legal documentation allowing for them to give my personal information. Information obtained by aggravated identity theft is defiantly illegal. I have had ongoing problems with the 3 Credit Agencies not doing their job to properly verify accounts before placing them on reports. This has been reported and will remain being reported as SOMEONE IS BREAKING THE LAW. REMOVE ALL FALSE INFORMATION NOW, Jefferson Capital could not send verification to me proving these accounts where mine. They SAID ALL FALSE ACCOUNTS WOULD BE REMOVED, YET THAT HAS FAILED TO HAPPEN. Alot of illegal activity going on. Jefferson Capital still has not responded to the last Complaint. With that being said I'm requesting that the documents Jefferson Capital presented to XXXX be mailed to me along with information XXXX gathered that gave them the authority to give access to my personal information. I'll be looking for these documents in the mail along with an updated Credit Report. Again, I have not given anyone permission to share my personal information. I will have this looked into by Federal Authorities as it's clear that these accounts were placed on my report with extortionate means as a way to coerce and swindle me into paying debt that does not belong to me. You have damaged my credit. I will seek compensation for all of this.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2022-11-29
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. (WV)

I noticed a couple of inquiries on my credit reports on XXXX, Transunion and XXXX that I am not aware of/ authorized. I am sure someone close to initiated these fraudulent moves and it is now hurting my scores. 
These are the Unauthorized Hard Inquiries on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-05-15
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAB Receivables, Inc. (AL)

I am writing you to discuss a disreputable collection agency that has submitted incorrect collections information to XXXX, XXXX, and XXXX about an account that I had at a dentist 's office. 
I have disputed the information with the credit bureaus multiple times, but I keep getting a form letter telling me the information has been verified. 
In an attempt to deal with the collection agency directly, I wrote them on XXXX XXXX 2015 explaining that I dispute the amount owed and requested information proving that I owed the debt and that I agreed to assume the debt. 
The collection agency only provided me with an inaccurate statement which did not include payments made. The statement did not include why benefits were not paid by my insurance. It did not include steps they took to settle this debt with my insurance company. 
Their incorrect entry on my credit report has caused multiple issues. I have been denied credit. I have also been given less favorable terms due to this collection account. 
I am writing you in hopes that you may help with this matter.
Consumer complaint received 2022-12-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: PNC Bank N.A. (PA)

I have been in a non stop struggle with XXXX XXXX XXXX ( XXXX ) who services my private student loan I took out during my XXXX education in XXXX when I was XXXX years old. The loan is through PNC. XXXX has made it impossible for me to defer payments. In XX/XX/XXXX, I had my first child and was without work or pay due to XXXX XXXX XXXX XXXX I had to fight to be able to postpone payments and since then, they have not allowed me any more deferment or forbearance time. On XX/XX/XXXX, I reached out to potentially lower my payment and they suggested I apply for a loan modification. I received the form on XX/XX/XXXX and submitted it back to them via their online portal on XX/XX/XXXX. My elderly mother has power of attorney for my grandmother who co-signed my student loans nearly 20 years ago. My co-signer grandmother now lives in assisted living with XXXX and is unable to fill out the loan modification paperwork independently, and her assisted living home is XXXX hours away from my home. XXXX has found every reason to reject my loan modification- they needed the form to have N/As instead of blanks or zeros, despite working with them to fill out the forms repeatedly. They told me my paycheck was too small and unreadable, despite sending them the only check form Im able to receive from my employer. I submitted forms back and forth to them more than 7 times since XX/XX/XXXX through XX/XX/XXXX, and finally on XX/XX/XXXX, I get an email that my application was expired and I will need to start all over again. I am absolutely drowning in student loan payments. Between XXXX and another private loan with XXXX XXXX XXXX, I am currently paying more than {$600.00} a month just in private student loans. This has made trying to buy a house impossible. I was late on XXXX payments waiting for them to finalize this loan modification but they are so desperate to squeeze every last dime out of hard working small families, they refuse to make any adjustments or accommodations, and even during the holiday season? Its pathetic. I worked on this during XXXX, my daughters first birthday, now through XXXX and potentially looking at having to fight with them through thei New Year.. and Ive already paid off the money I originally borrowed XXXX over - and I still have XXXX more years of payments. I am disgusted, discouraged and absolutely broken down by this process. I wish I could go back and tell my teenage self to avoid this servicer and this loan at all costs. This has cost me so much time, money, and peace, and Ill never get any of that back. All for what? To have a job I could have gotten without my XXXX and XXXX XXXX. I was conned into this and I have no way of getting out. I cant even die to get out of this, its terrible.
Consumer complaint received 2016-04-06
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Cornerstone Mitigation (NJ)

I was contacted via text by my ex-husband on XXXX/XXXX/XXXX advising me that someone by the name of XXXX contacted him advising him that her company which is called XXXX XXXX XXXX XXXX were going to garnish my wages because of a so called unpaid payday loan from a company called CMG that I got some time in XXXX, they also contacted his sister. mother, and my mother and released the same information. When I called I was transferred to XXXX XXXX, and I asked why was n't I ever contacted she advised me it was because they had just gotten the case that week, I told her that has nothing to do with you people contacting people I 'm no longer in contact with and releasing personal information whether it bogus or not, I also advised that I have a standing credit freeze on my account due to me being a victim of identity theft, and that I never had a payday loan, she said before she hung up on me that, they have all the info they need and they will be at my place of employment to serve me with garnishment paperwork. I called the very next day XXXX/XXXX/XXXX, and got the receptionist, asked for the correct web address because I could n't find anything by searching on my on, and she refused to provide it, I also asked for a fax number so I could submit my documents from my id theft case, and she refused that as well. The number I called was XXXX.
Consumer complaint received 2023-05-27
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. (NV)

According to my research about FCRA 605, Equifax Credit Bureau is required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : ( Original Creditor : XXXX  ) XXXX Balance : {$1100.00} ; XXXX XX/XX/2022.
Consumer complaint received 2023-07-07
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. (MD)

In accordance with the Fair Credit Reporting Act, the creditor XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 1 5 USC 1681 Section 604 A Section 2 : It also states that consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-11-29
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: Experian Information Solutions Inc. (MO)

In accordance with the Fair Credit Reporting Act the companies listed numerically below are violating my rights. 

XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXXL XXXX Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX XXXX  Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX XXXX  Account # XXXX XXXX. ) XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) XXXX XXXX Account # XXXX XXXX. ) AD XXXXXXXX XXXX  Account # XXXX 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 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-05-27
Product: Credit card or prepaid 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: DISCOVER BANK (IN)

I was overcharged for an order made on XXXX XXXX was unable to find resolution with XXXX as they wanted to give me coupons rather than a reimbursement. I filed a chargeback with XXXX XXXX XXXX  refused to follow through with it. They have continued to ask for more receipts than what I have. I followed https : //consumer.ftc.gov/XXXX and submitted a letter to them to dispute the charge more officially, and they are still refusing to help. They acknowledged refusing to help over the phone, but the agent refused to send it to me in writing.