davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (MO)

I used my XXXX XXXX XXXX to replaced my old XXXX XXXX XXXX XXXX. XXXX sent me a new XXXX XXXX XXXX  XXXX by holding {$1000.00} until they received old broken XXXX XXXX XXXX  XXXX in last week of XX/XX/2023. XXXX acknowledged via email on XXXX XXXX that they received old XXXX XXXX XXXX  XXXX. 

I waited around two months apple to release {$1000.00} hold money. Since I didn't get the hold money, I contacted XXXX customer service. Since there are so many division within XXXX, customer services keep transfer me to different division of XXXX but non of them able to refund the money. After I tried to called XXXX multiple times, I decided to contact my bank ( wells Fargo ) to report an authorized purchase. Well Fargo initially return the money, but reverse their decision first on ground of no proof of the purchase product returned. Once I gave them proof of return the product, they denied again with ground of outside 120 days wells Fargo to initiate dispute with seller. When I told the wells Fargo escalating team customer service member that, I filled on time the claim and it is wells Fargo responsibility to dispute with the seller within legally allowed time frame, the supervisor hung up the call on me.
Consumer complaint received 2023-06-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX, issued by XXXX XXXX  and XXXX  of South Dakota, has been removed as a hard pull from both XXXX and XXXX at the request of XXXX XXXX ( see attached email from them ) but still appears on the Experian report.
Consumer complaint received 2023-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

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. 
THE FOLLOWING INFORMATION IS INACCURATE : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX 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 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 2023-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Chase Bank overdrew my accounts by {$2000.00} as a result of their own accounting issues. In consequence, I was charged late fee for late credit card payments to the same institution even though I had auto pay. And they have restricted access to my account and money. I have no way to purchase necessities ( food, medicine, travel to work )
Consumer complaint received 2023-06-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Adjustment Company Incorporated (MI)

Consumer Adjustment Co. contacted my work phone and a third party about this alleged debt and the contents and threatened them in order to try and get my contact information from them. I have never received a validation of this debt or any notice of debt from Consumer Adjustment Co. nor have I ever heard of this debt collection company. I have never been provided any change to dispute this alleged debt due in the amount of {$700.00} which is a violation of my FCRA rights. I do not recognize this debt nor do I owe this debt. It is illegal to contact third parties about debt owed or to threaten people about an alleged debt if they don't give you someone's contact information. It is also fraudulent to put a collection on someone's credit report without any proper notice of debt or validation of allegedly owing said debt.
Consumer complaint received 2023-06-02
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: Affirm Holdings, Inc (GA)

Someone opened account under my name and got loan with Affirm Inc. My credit score dropped and there was past overdue from Affirm in the amount of {$88.00} {$280.00} {$100.00} {$83.00} {$120.00} {$86.00} {$62.00} {$47.00} The date mentioned was XX/XX/2023 I filed dispute with XXXX and called Affirm but after 25 days they said its my account even the address and email is wrong on the affirm account.
Consumer complaint received 2023-06-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

In " response '' to previous complaints, WF now claims it has no record of me being the administrator of the estate which is the mortgagor. If that is the case surely WF broke multiple laws by allowing me to manage the mortgage, including initiating Covid payment forbearance. Status as successor in interest does not provide any rights to administer the loan. WF was advised of my status of XXXX XXXX. It was also advised - repeatedly - that the previous executrix had been removed, after it became apparent correspondence was still being directed to her. At the time WF representatives claimed they had no record of the prior executrix still being on the account.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (WI)

I have contacted them XXXX times to resolve the account closure, and they have failed to do it as per Credit Agency XXXX Credit Agency. I have contacted the Credit Agency 3 Times to execute the account and close both the Chime Credit builder, checking & Saving. 

The company keeps sending letters stating the information they have is correct ; however, that is not what I asked for -- - I have asked them to close all of my accounts and also close them with the Credit Reporting Agencies as well, but they failed to do it all together. 

I am requesting that CFPB Enforce this per my request because the company is not doing what is supposed to do. 

I am closing this account to keep my accounts organized and I am no longer using their services, nor do I want to continue doing business with them. Leaving open bank accounts not being used leaves me vulnerable to cyber attacks and impersonators doing business in my name. 

I want a written notification letting me know this has been completed, and also for it to reflect on my credit reports. All time they fail to do the later which is relinquishing it from my Credit Report.
Consumer complaint received 2023-06-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

Several accounts on my credit report are reported incorrectly. Nothing has been done about this to resolve it. It is causing me great distress in getting approved for loans.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/XXXX I used the link provided by Chase to apply for their Marriott XXXX XXXX credit card in order to earn the XXXX points they are contractually obligated to provide to me via their promotional offer. I completed my contractual obligations by charging {$2000.00} to the card within a 3 month period ( in fact I did so within 3 weeks or so ). It is XX/XX/XXXX and still no bonus program points. After numerous phone calls to both XXXX and Chase..Chase who is accountable for assigning said points indicated that my XXXX XXXX card was not eligible for the points they advertised with the card, no explanation as to why And they are running the Exact Same rewards program for that card Now! I simply and rightfully want Chase to complete their contractual obligations to me as I have with them and award my XXXX XXXX account the XXXX points I have earned.
Consumer complaint received 2022-11-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (GA)

I have tried to dispute this collection service and to my understanding of the Fair Credit Reporting Act 15 USC 6802,1611,1692 ( 2 ) a, and 1681.Please understand this my rights to an Fair and Accurate validation of my personal credit profile.
Consumer complaint received 2023-07-01
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: Experian Information Solutions Inc. (HI)

In accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (GA)

Have 2 payments showing past due on my account from XXXX and XX/XX/2002 as I dealt with the death of my Father. I had never been later before and had not been late since and was told they would remove it almost a year ago and it has yet to be removed. Was told today by the company it was up to the credit bureau and I needed to file a dispute. I did that over 3 months ago and the credit card company still has it still reporting the same after I had a conversation with them and was told it would be removed because they had seen how my payment history was and has been since opening up my account with them.
Consumer complaint received 2024-03-30
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. (FL)

To whom it may concern, I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer.

As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Per Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ).

I want my dividends returned to me and mailed to my home.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXXXXXX  Account Number : XXXX XXXX XXXX  Account Number XXXX XXXXXXXX  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 2022-11-29
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)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-11-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SANTANDER HOLDINGS USA, INC. (GA)

I received post in XX/XX/2022 stating they welcomed me and to make my first payment by XX/XX/XXXX, XXXX i responded and asked them to validate the debt by XX/XX/XXXX, XXXX i received a phone call on XX/XX/2022 where i told them a validation request was sent and i had not gotten a response yet and that i would only communicate with them by mail. Santander called me 13-15 times. they finally responded refusing to validate the debt stating that would be their only response. it took a month for them to respond. they still reported late payments on my consumer report. i responded to their lack of validating the request and marked up the counterfeit copy they sent to me highlighting the fraudulent items. they ignored it. XX/XX/2022, someone stole my car under commission from Santander Consumer USA in the middle of the night. They still have not sent me a copy of the court order permitting this activity, nor have they returned the promissory note, and have since sold my vehicle.
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 — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In accordance with the FCRA Kohls/Capital one charge card, has continuously violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written consent or instruction.

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.

The dispute process will continue until my rights are no longer violated.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-24
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: National Auto Lenders, Inc. (TX)

National Auto Lenders is reporting an inaccurate repossession on my credit reports that I am not familiar with. I sent them a letter requesting validation of this debt and sufficient documentation on how they figured this account belonged to me and have not received any type of communication back. I am requesting that documents are provided for this debt and that this account is removed from my reports.
Consumer complaint received 2024-09-10
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. (NC)

XXXX XXXX and XXXX are fraudulently using SSN and saying I owe debts that are not mine. They are using my SSN without my authorization and turning around and saying I owe them. This is considered Identity theft. I was part of the data breach back in XXXX of XXXX. I was notified by XXXX about their wrongdoings. I also was notified recently that my Social Security Number was part of a data breach. I have ongoing correspondence with XXXX XXXX that I do not owe the debts that are alleged on my consumer credit profile. Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Both accounts are paid for and XXXX does not have evidence that I owe a debt. I asked XXXX to send proof via the ledger on the account and a sworn statement under the penalty of perjury saying I owe them the alleged amount. I'm also asking XXXX to do the same as I do not owe this company. I did not sign any contracts with XXXX. I want to see the ledger showing I took out a loan. Then a signed statement under the penalty of perjury saying the debt belongs to me. XXXX XXXX and XXXX using my private information with third parties and that was not authorized. Attached is the identity report I filed with the FTC.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

A payment of {$500.00} was made to Bank of America ( BAC ) credit cards on XX/XX/XXXX. This information has not been correctly reported to the credit card bureaus and has caused a negative impact on my credit scores and credit with other creditors. BAC has reported to the credit bureaus that I did not make a payment in XX/XX/XXXX and that I was 30 days late in XX/XX/XXXX. I am attaching proof from my bank that BAC received a {$500.00} payment on XX/XX/XXXX which posted XX/XX/XXXX. I have tried to dispute the incorrectly reported information with the credit bureaus and with BAC directly. In response to a previously filed complaint, XXXX, BAC sent me a billing statement from XX/XX/XXXX ( wrong year- see attachment ) when I asked for a written acknowledgment of the {$500.00} payment they received for XX/XX/XXXX. BAC has not provided information to me showing they correctly reported my XX/XX/XXXX payment of {$500.00} as they are obliged to do by federal credit reporting regulations. I was told by BAC that they reported my XX/XX/XXXX payment to the credit bureaus but the dispute report ( XXXX ) I received from XXXX shows they received incorrect payment information on XX/XX/XXXX from BAC showing a last payment date of XX/XX/XXXX for the XX/XX/XXXX statement closing date ( see attachments ). When questioned during a call on XX/XX/XXXX, BAC representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resolution XXXX Regulatory Complaints, alleges XXXX is not reporting correct information sent to them from BAC. She verbally acknowledged my {$500.00} payment was received on XX/XX/XXXX but did not include that payment acknowledgement in her complaint response letter nor provided statements for the questioned time period showing that payment. I have attached online BAC payment information showing the XX/XX/XXXX payment of {$500.00} was received by BAC. 

This complaint is stating that BAC did an incomplete investigation of my previous complaint, provided documentation from the wrong year and month ( XX/XX/XXXX ) and not from XX/XX/XXXX, and did not act to resolve its reporting errors causing further harm and distress to me and damage to my credit.
Consumer complaint received 2023-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (CO)

In XXXX XXXX, I sent a letter to XXXX XXXX  opting out of two account reporting. They have not responded or complied.
Consumer complaint received 2023-06-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Deinde Online Services, LLC (OH)

Company claims I owe a debt that doesnt show on my credit reports. Ive requested loan documents be sent to my mailing address with no luck. They just wait 30 days then start harassing me and my family members daily. It is very unsettling that they refuse to provide proof this is indeed my account. At this point i would like calls pulled that verifies i asked for supporting documents along with call logs that cooperate what i am saying. If they cant provide that i would like the calls stopped and information removed under my name. At this point its harassment
Consumer complaint received 2022-11-26
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. (PA)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX  XXXX # XXXX
Consumer complaint received 2017-04-01
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BMW Financial Services NA, LLC (MN)

I am XXXX and can not make car payments and mortgage payments and they are not willing to work with me. XXXX really is legal fraud at its finest. what constitutes the right for them to do this? they are so ashamed of it that the attachments I will forward you were all intentioanlly named the same in XXXX different emails to throw me off like I 'm stupid. bottom line purchased XXXX in XX/XX/2011 $ XXXX have already paid that in interest and fees. I STILL OWE $ XXXX!!! I asked for a refi and they said no so I can not afford it as I am in XXXX and XXXX. I put an ad to sell it and got numerous call for the current XXXX value at $ XXXX. CALLED THEM TO OFFER THAT TO THEM INSTEAD OF A REPO AND THEM GETTING LESS MONEY AT AN AUCTION AND THEY SAID NO! SO THEY HAVE THE RIGHT TO CHARGE $ XXXX FOR $ XXXX THEY ARE WORSE THAN PAYDAY LOANS. LIKE I SAID THEY ARE FRAUD AT ITS FINEST.