davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Personal information on major reporting credit bureaus is not matching across all XXXX major credit reporting agencies missing complete name, also known as name is spelled incorrectly current address not corrected on with all XXXX agrencies, all XXXX agencies are reporting different address for previous know address, total accounts, open accounts, delinquent accounts, derogatory accounts, collection accounts, balanced owed and payments are all different with all XXXX major credit reporting agencies, inquries are not the same with all agencies
Consumer complaint received 2023-05-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (MA)

On XX/XX/XXXX I requested a redemption of cashback points from my Chase bank account to my XXXX XXXX  checking account. 

External DDA Order # XXXX ) for {$77.00} cash back to your bank account number ending in XXXX was submitted on XX/XX/XXXX. 

and External DDA Order # XXXX ) to your bank account ending in XXXX on XX/XX/XXXX. 

However, I did not receive either values. 

In contact with the chase support, the service was very superficial.
Consumer complaint received 2023-07-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Spring Oaks Capital, LLC (TN)

I did not authorize my account and information to be transferred to a third-party company. This loan to my acknowledge was paid in full by my bank at the time. I have not gotten any notifications from Spring Oaks Capital nor have I signed a contract with their establishment agreeing to any payment. Spring Oak Capital purchased the account for pennies on a dollar in hopes to collect on this account that was already paid in full through my bank.
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

I open a checking account on XX/XX/XXXX with Chase bank and they put a restriction on my account last Friday XX/XX/XXXX they didn't call or text to put me on advice about was going on even when I came to they office on Saturday XX/XX/XXXX. On Sunday XX/XX/XXXX i realized that my account was restricted, when i called they told me that I didn't bring all the documents. The thing is that I came twice to the bank, the first day I provided my work permit card, my social security card, my passport and my XXXX XXXX statement. 
The second time that I came Saturday XXXX I provided my social security number again and my Georgia ID. Not body in Chase was able to tell me that my account was restricted. 
Now I can't use the money that I deposited in that account and the direct deposit that I am waiting are no coming through because the account is restricted. 
I am right now at Chase bank providing all the documents for 3rd time and they says that I have to wait 3 business days for an error that I didn't commit. I lost my work day because I had to come to Chase office to do the claim etc. I am double affected because I can't use my money, I lost my time and I missed one day work. And at the very end the account still restricted.
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (CA)

I check my credit report regularly - On XX/XX/2020, my mortgage loan with SLS is noted on my credit report as payment deferred ; affected by natural or declared disaster. I have never contacted SLS to advised that I required payment assistance or other noted payment assistance programs that are associated with COVID19 relief. My mortgage is and has been paid as agreed. I contacted SLS and they said they were unable to assist me because their system shows my account as current.
Consumer complaint received 2024-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Weber & Olcese, PLC (MI)

Weber & Olcese garnished my work checks for 4 months. I have not received any correspondence regarding this debt. More importantly the debt is past the State of Michigan limitations. Somehow, XXXX XXXX XXXX  allowed/approved WEBER & OLCESE and XXXX XXXX XXXX XXXX . There's no proof of them even serving me or notifying me of such debt. They just started collecting money without any notices. 

This is criminal activity. 

Plenty of complaints about both companies all over the internet with illegal practices. 

These companies NEED to be held accountable for their practices.
Consumer complaint received 2023-06-15
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. (PA)

XXXX  XXXX {$1700.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXX, MT XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type CREDIT CARD Date Updated XX/XX/XXXX Payment Received {$0.00} High Balance {$1400.00} Credit Limit {$0.00} XXXX XXXX {$1700.00} Pay Status >Charge-off< Date Closed XX/XX/XXXX Status updated XX/XX/XXXX Past due amount {$1700.00} Highest balance $ XXXXEstimated month and year this item will be removed XX/XX/XXXX Remarks UNPAID BALANCE CHARGED OFF I do not recognize this account in the way it's reported and the information here is not true and accurate also show me the method you investigate this innacurrency
Consumer complaint received 2022-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with the Fair Credit Reporting act. The Lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : ( XXXX XXXX XXXX XXXX  Account # XXXX, hasviolated 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 an 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-03
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. (WI)

In accordance with The Fair credit reporting act 15 USC 1681 and fair collection practices act 15 USC XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 
15 USC 1681 section 602A states : I have the right to privacy. 
XXXX USC 1681 section 604a section 2 it also states : a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1692 section 805a states : a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the consumer. 
15 USC 1692 section 805a section 3 states : at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer for receiving such communication. 
15 USC 1692 section 806 section 5 causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy abuse or harass any person at the called number. 
15 USC 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 antidates the report by more than seven years. 
15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

n accordance with the Fair Credit Reporting act XXXX XXXX Account # 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
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (GA)

I was trying to buy a house and i realize that i have some damages on my credit reports. i call the credit bureau and to help with the hard inquiries, name and addresses. XXXX, XXXX and Equifax fails to help so do the creditors. Also, most of the accounts are inaccurate, according to the 15 USC 1681 law, there should not be any damages on my report.is a defamation to my character. These companies are violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has also no permission to report anything using my info pursuant to 15 usc 1681 4.
Consumer complaint received 2015-12-26
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (TX)

On XXXX XXXX, 2015, Nationstar Mortgage executed and recorded a fraudulent instrument ( ASSIGNMENT OF DEED OF TRUST '' ) in XXXX County Texas Recorder 's office declaring they were assigning a deed of trust on behalf of Assignor-Countrywide Home Loans, defunct entity, as attorneyin-fact to XXXX Assignee. 

On XXXX XXXX, 2015, Nationstar responded to a QWR via a CFPB complaint declaring they were servicing the note on behalf of XXXX the assignee of the Assignment. The recorded instrument contradicts this reply and is fraudulent and false.
Consumer complaint received 2022-11-16
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. (NC)

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX Balance XXXX {$860.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$890.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$290.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$430.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$240.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$74.00}.
Consumer complaint received 2023-07-11
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. (VA)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-03-30
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: EQUIFAX, INC. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-06-14
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. (GA)

This is my 7th 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-08
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: EQUIFAX, INC. (NC)

I would like to dispute the following items off my credit report : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-23
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)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 an account without my written instructions.
Consumer complaint received 2024-04-05
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: EQUIFAX, INC. (VA)

First, I categorically reject the closing of my previous complain. Their answer ignored several issues, forcing me to address each one via a new complaint. They do not respond to internal queries, only CFPB complaints. Here is the summary of what has happened : XXXX XXXX failed to manage my account from XX/XX/XXXX to XX/XX/XXXX. They messed up the vestment of my loan and did not catch it until XXXX XX/XX/XXXX. They then failed to call me and badgered me to pay $ XXXX and neglecting to investigate why my account was so messed up until a week of me calling, arguing and panicking. 

On to my next complaint. 
My account is being reported as delinquent, dropping my credit score by XXXX points. They have admitted they created this error and have still insisted on ignoring my messages and reporting me as delinquent, putting my clearance in jeopardy. Without my clearance I dont have a job. IAW 12 CFR part 1024 regulation X should not be continuing to report a delinquency as a result of their negligence. 

I have offered to move on amicably and close all complaints if they simply admit fault and waive these fees. Since they have ignored me on their internal customer service system and respectfully reject waiving the fees, this is my first of several complaints.
Consumer complaint received 2022-11-27
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: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my XXXX. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2024-04-07
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. (PA)

please removed the following accounts and update Account Name : CAPITAL XXXX Balance : {$500.00} Account Number : XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : CAPITAL XXXX Balance : {$500.00} Account Number : XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX BANK Balance : {$360.00} Account Number XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : CREDIT XXXX BANK Balance : {$390.00} Account Number XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : CAPITAL XXXX Balance : {$340.00} Account Number : XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX BANK Balance : {$360.00} Account Number : XXXXXXX Date Opened : XXXX. XXXX, XXXX Account Name : XXXX Balance : {$0.00} Account Number : XXXXXXX Date Opened : XXXX. XXXX, XXXX Account name : XXXX  Account XXXX : XXXX Account balance : {$0.00} Date of account open : XX/XX/XXXX Account name : XXXX Account number : XXXX Account balance : {$0.00} Date of account open : XXXX XXXX, XXXX Account name : XXXX Account number : XXXX Account balance : {$620.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX BANK Account number : XXXX Account XXXX : {$420.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX  Account number : XXXX Account balance : {$15000.00} Date of account open : XX/XX/XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account balance : {$2400.00} Date of account open : XX/XX/XXXX Please delete the following inquiries : XXXX XX/XX/XXXX CAPITAL XXXX AUTO FIN XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX
Consumer complaint received 2023-03-03
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. (IN)

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

Item Number Company Name Account Number Comments 1.XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$48000.00} XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Consumer complaint received 2022-11-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CHARLES SCHWAB CORPORATION, THE (NY)

hello, I have been trying to get my money back from my Charles Schwab account ( which they closed ) for 3 months. they refuse to send me the money via wire and give me no information as they allege it is undergoing a " fraud investigation. ''