davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 19th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4800.00}
Consumer complaint received 2017-05-18
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc. (VA)

My account was sold from Santander to a 3rd party vendor who I am working with their law office to pay back for a car that was repossessed about 6 years ago. For the last couple weeks two separate " litigations '' or " law offices '' have contacted me about the debt and stated that I am going to be sued and threatened to take me to court or show at my job and serve me. I already told them its odd I am being sued for something I am currently making payments on and have documentation for the payments and even went to court for it. I XXXX the phone numbers and they have all been listed as scammed. I also called the 3rd party vendor ( XXXX ) and was informed that the original creditor Santander was subjected to a scam hack and companies have obtained information from folks and have been contacting them. It concerns me because the individual stated my FULL social security, date of birth and address AND work environment. I began being suspicious when she told me the account and stated she can settle it for over 80 % less than what I currently owe and expunge the information off of my credit. She was persistent on receiving a payment when I asked her to send me a copy of the letter or debt from their office. I eventually hung up.
Consumer complaint received 2023-03-15
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. (MD)

Regardless of the multiple written requests, the public record and the listed account below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX and TransUnion, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the public records and account below : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2014 Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/2014 Reference # : XXXX
Consumer complaint received 2023-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CLGF Holdco 1, LLC (WY)

I applied for the Destiny XXXX, issued by XXXX XXXX XXXX, Member FDIC, and serviced by Genesis FS Card Services , Inc . They performed an inquiry on my XXXX Credit report on XX/XX/2023. I never heard back from them, neither with an approval or denial, and never received any letter indicating adverse action. Its been over a month since today is XX/XX/2023. I attempted to call their customer service to get a status about 4 days ago and the representative stated the application is pending. The representative gave me another toll-free number to call for a status and that number turned to to be for a completely different card thats a XXXX XXXX secured credit card, which I never applied for, that is issued by a completely different company, XXXX XXXX XXXX XXXX, XXXX Isnt XXXX issuer of the Destiny Card required to send an adverse action letter if they are denying my application for the card?
Consumer complaint received 2023-03-15
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: BMW Financial Services NA, LLC (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.

BMW Financial Services, Account # XXXX, has violated my rights.

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates 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 2023-03-15
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXXXXXX XXXX Account # XXXX, XXXX 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 2023-07-04
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. (TX)

Right now, I am sending my CFPB complaint to notify you that I am not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information. Per FCRA, reporting must be 100 % accurate or the information must be deleted. These items has several errors. Under the Fair Credit Reporting Act, Im going to request proof of written removal. You are reporting false information and I believe the company is violating Sections 605b of the FCRA. Please remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX  XXXX Balance {$0.00} ; Bankruptcy XXXX XXXX discharged Date Filed XX/XX/XXXX Reference # XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX Balance {$0.00} ; XXXX XXXX Balance {$0.00} ; XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2023-05-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC (CO)

Today, a man showed up at my door. I answered the door, and he asks for XXXX XXXX. I told him that hes not here. Then, he begins asking me a serious of questions like : Does he live here? How long have you been here? Where is he?. I felt extremely uncomfortable with that line of questioning considering this is a complete stranger asking me questions about someones whereabouts and he didnt even acknowledge who he was. In addition, I suddenly felt more like he was trying to verify if I was alone. So my replies were No. I then asked him why the line of questioning and who he was, he proceeded to say he was a process server with papers for XXXX XXXX from the XXXX XXXX XXXX Courts. I didnt believe him, and told him to leave. I saw papers in his hand, and they didnt look anything like what could be considered court documents. I watched him leave from the window. Not even a few minutes later, he returned, and knocked again. Im not even sure why I opened the door again, but I did. As soon as I did, he asks XXXX XXXX, right? I told him that he was told to leave, and now hes shown up with a different name. He yelled this time over me, I yelled at him to ( please pardon my language ) Get the XXXX off of my property and dont come back here. Even after I slammed the door, he continued to yell at the door. I tried getting a license plate, model and make of his vehicle, but I couldnt see the back or front of his car. He eventually left, but I heard my storm door open and close before he did. I opened my door and found papers. The front page had information about debt collection, and after flipping through a few of the other pages, theyre blank and certainly nothing filed with the courts here. I was instructed to call the police if he returned. If this is some abrasive tactic of collecting some debt, aggressively approaching someones home especially with children present is extremely inappropriate and is harassment. Thinking clearly now, I shouldnt have opened the door a second time, but obviously, I do not want anyone else at my door.
Consumer complaint received 2023-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Ive Mailed in numerous dispute letters letting the Experian bureau know the inaccuracy of my report. They updated my account to verified status for these two collections accounts. I requested method of verification and they never sent me anything telling me how they verified XXXX XXXX Account number and XXXX XXXX Its been almost three months now and still no method of verification for these accounts.
Consumer complaint received 2023-05-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC (TX)

I have contacted Global Lending Services ( GLS ) in regard to the reporting status of furnishing to late payments. This a direct violation 15 USC 1666B correction of billing error ( i ) make appropriate corrections in the account of the obligator, including the crediting of any finance charges amounts erroneously billed, and transmit to the obligator a notification of such corrections and the creditor 's explanation of any change in the amount indicated by the obligator under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligor 's indebtness.
Consumer complaint received 2023-06-05
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. (FL)

The company called XXXX Wrongly placed a late payment on my account in error. A representative from the company told me over the phone on XX/XX/2023 and XX/XX/2023 that they are having this with a lot of other students and that for me to dispute with the bureaus because its faster and they notated their accounts as well. I attached the letters that came from them about the mistake. They are calling the late " interest rate freeze ''. PLEASE REMOVE THAT LATE OFF ALL 3 BUREAUS REPORTING FROM THE COMPANY CALLED XXXX. IT WAS AN ERROR ON THEIR END AND I DO NOT WANT IT SHOWING UP. ITS AFFECTING MY CREDIT!
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. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-15
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (TX)

I purchased home XXXX XXXX and obtained insurance from XXXX XXXX acct # XXXX as Guaranteed Rate as my servicer. The insurance was paid through my escrow during closing. Guaranteed Rate transferred my loan to XXXX XXXX XXXX in XXXX of XXXX. XXXX XXXX sent 2 invoices for insurance payment in XXXX of XXXX and XX/XX/XXXX, both invoices were not paid. XXXX XXXX of XXXX I received a letter stating XXXX XXXX XXXX would be placing lender place insurance on my home. I called XXXXXXXX XXXX XXXX and spoke with the who instructed me on uploading the new XXXX page to the claim to deter lender placed insurance. I uploaded the document XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX I received a letter stating force place insurance has been added due to no homeowners insurance. I never missed a mortgage payment Guaranteed Rate and XXXXXXXX XXXX XXXX violated my RESPA Section 6 rights. Neither paid my insurance per the federal responsibility as my loan servicer. With an FHA loan, I am required to have an impounded account. As of now XXXX XXXX will not re-instate which was cancelled XXXX of XXXX or provide new coverage due to non-payment. I have to seek different insurance at a much higher rate due to breach of contract by the servicer failing to pay the policy premium. RESPA does not require borrowers to maintain an escrow account. It is the lender 's decision whether the borrower must maintain an escrow account for the purpose of paying taxes and other items. Neither Guaranteed Rate nor XXXX can explain why the invoice were missed. Ironically, I received my 1-yr anniversary escrow analysis which is the review of taxes and insurance, but no one mentioned non-payment of insurance. When I spoke with XXXX XXXX of XXXX XXXX servicing, he stated my funds were sitting in escrow and acknowledged that the XX/XX/XXXX, email of my XXXX page was received. 
My rights have been violated, per lender requirements, the servicer breached the contract when they failed to make payment, my mortgage has increased, the new insurance policy premium is higher, I have been sanctioned by insurance for lapse coverage all because I am required under FHA loan agreement to have an impounded account which the servicer failed to pay.
Consumer complaint received 2023-10-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

Chase refused to close my empty checking account and delete my personal data. I submitted two requests via secure message while logged into my account to accomplish these two tasks. Chase is demanding that I appear in person at a branch. I am asking you to instruct Chase to close my account and delete my personal data without any further action on my part. 

The reasons why it should be unnecessary to go to a branch to accomplish these two requests is because ( 1 ) I submitted the requests via Chase 's secure message system from which I am logged into my account, confirming my identity, ( 2 ) visiting a branch in person is arduous, and ( 3 ) I have previously been unable to accomplish a basic account update in person at a branch ( which was my reason for submitting the requests electronically ).

Regarding # 3 above : I visited the branch where I opened the account twice after the account was opened ( two months ago ) to resolve a problem with the account title. Both times I delivered proper paperwork to effect the change ( a certification of trust ), once on another bank 's form and once on Chase 's form. After receiving my next statement and realizing the branch never made the change, I reached out to Chase through secure message to have the change made, but was instructed to go to a branch. Having already been there twice with no resolution and unable to accomplish it electronically, I transferred the assets out of my account ( through Chase 's website ) and requested that the account be closed and my data deleted ( also through Chase 's website ). 

Visiting a branch is arduous and, as I learned trying to correct the account title, ineffective. Further, I have not been given any explanation why my physical body must be present in a branch to accomplish my requests. In the present electronic age I assume Chase would permit me to open an account via secure website connection. It should permit me to close an account that way too. 

The reason for me involving your agency is because I believe Chase is putting its minor business interests above the major impact its actions have on consumers. Chase could be motivated to keep my empty, " zombie '' account open for as long as possible to charge me a maintenance fee and/or retain my personal data for marketing purposes. But an open account affects my credit score, and retaining my personal data unnecessarily makes it available to hackers. ( The business and the consumer should be allied about the risk of data hacking in this instance, since failing to comply with my request to delete my data makes Chase liable for a future theft of my data from them. ) Please instruct Chase to comply with my repeated requests to close my account and delete my data. Thank you for your consideration. 

Attachment : Secure message exchanges
Consumer complaint received 2023-05-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (TX)

My wife and I applied for a mortgage through Wells Fargo on XX/XX/XXXX. Our home loan was supposed to close on XX/XX/XXXX. Two days before the scheduled close, the loan officer sent an e-mail saying that they could not approve the loan. As a result, I lost {$10000.00} in earnest money. Additionally, instead of moving from the house we were selling into the new house, I had to rent 3 storage units for a month and pay movers for 2 moves instead of 1. 

The issue is that the company had two months to scrutinize the income of my wife and I and waited until two days before close to pull the rug out from under us and tell us that they were not approving the loan. Had they told us sooner, we would have been able to get another mortgage company to issue the loan, but the 2 days they gave us before the close date was not enough to close a new mortgage. We tried to negotiate an extension with the seller, but were not able to. It was clear from my conversation with the loan officer afterwards that no attempt was made to understand our income. Instead, at the last minute, they invalidated large portions of it. Additionally, I offered to put as much down payment down as would be needed to close the loan. Because they waited until the last minute, all options were taken out of our hands, despite our best efforts.
Consumer complaint received 2017-05-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (MD)

I made a {$1200.00} payment to my  Barclaycard Reward s mastercard. They held the payment ( i.e. not making the credit available ) for a couple days, which prompted me to call them to get it released. They approved of the release and said that the credit would be available the following day. Well ... it was n't. And when i called to ask why they had n't release it, they told me they closed the account. So they basically  XXXX  me .... they got a {$1200.00} payment out of me and then closed it. This is the card I use to travel with and I was planning to travel TOMORROW! They have totally  XXXX  me up as I would not have made that big of a payment on the card if I knew they were going to close it right after. This is horrible customer service as  one of their  managers told they would be making the credit available the following day. I even told them that I was travelling and they put a travel notice on my card! I am NOT recommending this card to anyone anymore. I used to love this card because they had great rewards but after pulling this stunt I have no more love for them whatsoever.
Consumer complaint received 2023-01-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF THE WEST (CA)

To whom it may concern, I was caught in a fraud of free shopping. I have attached a letter and evidence in the attachment, please take a look. I need your help to push the XXXX banks to cancel all the disputed transactions, and refund to me. 


Regards XXXX XXXX
Consumer complaint received 2023-03-15
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. (GA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXXXXXX Balance : {$30000.00}