davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
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: EQUIFAX, INC. (OH)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-04-02
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: CORELOGIC INC (FL)

I applied for mortgage loan back in XX/XX/2020 with XXXX XXXX. There was a credit inquiry posted on my report from Credco. This is understandable. However I checked my report again later and I saw an additional inquiry from XXXX and 2 more credit inquiries in XXXX from the same company. There was no new application there was no authorization for these credit inquiries. I did not authorise anybody to check my credit in XX/XX/2020.
Consumer complaint received 2021-04-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: OneMain Finance Corporation (NM)

This company is reporting to all three credit bureaus ( XXXX  and XXXX ) on my consumer credit report multiple conflicting and inaccurate information, including various account types, dates, credit limits, and payment history. The mentioned credit bureaus are also reporting these inaccuracies. I have requested proof with a signed contractual agreement from the company and disputed these inaccuracies with the credit bureaus but received vague verified responses with no proof and continued attempts to collect. It is my right as a consumer to dispute any and all inaccuracies and request appropriate validation of any accounts. These inaccuracies are in violation of the following laws : FDCPA Section 809 ( b ), FTC opinion letter Cass from LeFevre ; US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan ; FCRA Section 623 ; CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 ; and FCRA Section 611 Part ( A ) ( 1 ).
Consumer complaint received 2021-04-01
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

I have contacted XXXX of XX/XX/2021 to removed XXXX XXXX XXXX my account it still has not been removed. Therefore, I am contacting you to resolve the issue of removing the account.
Consumer complaint received 2021-04-02
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

I bought two airline tickets to XXXX from an online company called XXXX for {$1400.00} on XX/XX/2020 using my Capital One credit card. The tickets were canceled by the airline and XXXX told me I was entitled to a refund but I never received one. I filed a dispute with my credit card company but lost the dispute. Now XXXX tells me they will refund the money if Capitol One will write a letter saying the dispute has been withdrawn. Capital One tells me disputes can not be withdrawn legally and refuse to write a letter for me. I am out {$1400.00} for airline tickets I was never able to use.
Consumer complaint received 2021-04-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (MA)

I recently entered into a transaction to buy a home inspection and was charged a cash advance fee and interest for the transaction. Chase is changing the definition of " cash like transactions '' such that as a consumer, it is difficult to discern what will be a cash advance at the time of the transaction, and if we will be charged a fee and interest at the time of sale. These " cash like purchase '' will include buying cryptocurrency or peer to peer transfers using commonly used applications like XXXX ; where at the time of purchase, the consumer will not know they are entering into a cash advance. I've reached out to Chase to try to block all future cash advances in the future so that I will not get unexpected charges, and they do not have the ability to do so. I am forced into a situation where whenever I use my credit card to purchase something, I am unsure if it will be considered a " cash like transaction '' and be charges an inordinate amount of fees and interest.
Consumer complaint received 2021-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (WI)

We received a bill on XX/XX/2021, from the Convergent Outsourcing , Inc. debt collection company for debt owed to XXXX. I have never subscribed to any XXXX services in my life. I tried calling them and they did mention that the bill was associated with a XXXX XXXX that lived in Virginia but when I told them that was not me, they did not immediately drop the claim. They wanted me to fill out an online form that asked me to give them my drivers license number and full social security number. I do not feel safe doing this. The bill is for {$770.00}. 

Client Acct. # XXXX Convergent Acct # XXXX
Consumer complaint received 2021-04-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (FL)

XXXX unauthorized charges on XXXX : {$900.00} - XXXX : {$900.00} and XXXX : {$210.00} was charged at a XXXX in Georgia. With an inactivated card the bank was supposed to send to me because my current card was inactive. I live in Florida and was not in Georgia. My card was not stolen as the agent implied. The new card never made it to my home. Wherever the bank mailed the card to ... the person at that end activated the new card with an unauthorized phone number and pin to make the transactions mentioned above. The bank will not disclose who or what number was used to activated the card. I filed a police report and submitted requested documents by the bank and they are still denying to refund my stolen money.
Consumer complaint received 2024-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to address the inclusion of unauthorized transactions in my consumer report, for which I did not provide authorization or instruction. Consequently, I formally request the blocking and removal of these accounts without any error or misrepresentation of facts. Below are the specific accounts in question : It appears that your organization may be in violation of 15 U.S.C 1681a 2 ( A ) ( i ), which prohibits a consumer report from containing : " ( A ) subject to section 1681s-3 of this title, any -- - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report! '' This statute explicitly states that Transunion making the report should not be included in my consumer report, as transactions or experiences associated with the line of credit extended between the consumer and the reporting entity should not be encompassed in the consumer report. 

I urge you to promptly update my utilization to XXXX XXXX or below within 10 calendar days or expunge all utilization from the mentioned accounts. 

Furthermore, I request that you provide all documents on which you rely for reporting the referenced accounts, in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681g ). The information you are reporting is detrimental to my reputation and is adversely impacting my creditworthiness. 

Therefore, I demand the removal of these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or verification of these accounts. 

Additionally, in addition to the removal of erroneous and unverified information, kindly eliminate all non-account holding inquiries older than 30 days. 

Failure to provide a satisfactory response with the deletion of the mentioned utilization and inquiries will result in legal action being taken against your company, for which I will seek {$1000.00} per violation : Defamation of Character Civil Liability Fair Credit Reporting Act 15 U.S.C 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2021-04-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (GA)

We have A insurance check that came from the mortgage co we deposited with Wells Fargo.Wells Fargo cleared it we gave them all the paperwork showing that my wifes mother passed away we inherited the house they contacted the mortgage co. told bank the check is good then Wells Fargo closed our account froze all four accounts its been over two months they refused to let us have our money or open our account were tired of it either they need to release our funds mail us a check like they said they were going to for our funds are open our account every time we try to talk to them they extend the closed accounts further out we want our money its our money they have no rights to keep holding it this is over two months now that they wont let us have our own money theyve got all the information all the paperwork even talk to the mortgage company mortgage company told us we need to sue them they have no right holding our funds ive been with this bank over 30 years and were getting treated like XXXX right now Every time we contact the bank they extend the closure Send us another letter with a new clothes your date were tired of this we want our money No more extensions are we will Take further action They can not keep holding our money hostage
Consumer complaint received 2021-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

The company I'm contacting you about is LoanCare ( www.myloancare.com ). They're my mortgage company. 

I changed homeowners insurance companies effective XX/XX/2021. Loan Care sent me a letter dated XX/XX/2021 that only reached me today. In the letter, they stated that they had paid both my current insurance company as well as my previous one. They also stated that I'd be responsible for " catching up '' the insurance escrow on my home. 

When I called to make my mortgage payment today, they'd jumped the monthly payment up by over {$700.00} in an effort to get me to pay for their mistake. 

I also called my previous insurance company and they stated that they had no record of receiving any payment from LoanCare. This is fraud and it's horrifying because this mortgage company has the ability to foreclose on my house. 

I'm trying to work on correcting this with LoanCare, but their computers are - as usual down - and hold times are over 90 minutes. Help!!!
Consumer complaint received 2021-04-02
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: JPMORGAN CHASE & CO. (TX)

This is a formal complaint against JP Morgan Chase Bank located in XXXX, DE. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, JP Morgan Chase Bank has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-04-02
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: Lending Club Corp (TX)

This is a formal complaint against XXXX XXXX located in XXXX XXXX XXXX, UT. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2021-04-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Chase bank will not stop unauthorized payments from my account without charging me a {$30.00} fee. Phone call XX/XX/2021, XXXX XXXX ET ( no way to process these requests without using telephone ). Per Chase, theres no way to waive the fee even though I did not authorize the withdrawals I am trying to stop. Transferred three times, then put on hold for indefinite time when I asked if I could just dispute the payment - on hold for 46 minutes before I hung up ( see screenshot ). Per Chase, fee is for the privilege of stopping a payment. But wouldnt it be it a consumers right to direct its bank to not permit unauthorized payments from the his/her account?
Consumer complaint received 2023-02-20
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. (FL)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-04-02
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: EQUIFAX, INC. (NC)

The Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached. Pursuant to 15 USC 1681 ( a ) ( 4 ) -There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Notice Congress said the consumer has a right to privacy. EQUIFAX has infringed on my right to privacy. First of all no one gave them this role, they assumed it pursuant to 15 USC 1681 ( a ) ( 3 ). Second of all pursuant to 15 USC 1681b ( a ) ( 2 ) I never gave them written permission to furnish anything on my consumer report. No consent is IDENTITY THEFT. I demand that the following accounts be removed immediately from my consumer report. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX I am also demanding to be compensated via check {$1000.00} per violation totaling {$15000.00} pursuant to 15 USC 1681n.
Consumer complaint received 2021-04-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Yes another complaint on the same topic, because you didnt do your job the first two times. I sent in a second complaint on this topic and you said it was a duplicate. Well, XXXX. If you had done your job the first time, I wouldnt have to file a second complaint. Since you still didnt do your job the first two times, I have to file yet a third complaint. 

Maybe if you would just do your job I could stop filing these complaints? Maybe you could call me back. You keep saying call us. Well, I do, but you are too important to talk to me on the telephone. And evidently you are too special to call me back. I dont know why you are so lazy, but it is just insulting to not talk to me on the telephone when you are the people that say you want me to call you. 

The complaint is the same. Bank of America has still not sent me a 1099. They did send a financial summary, but it was not a 1099. I had to add up all the figures myself. Do you realize that I still had to pay PMI even though I only owed XXXX XXXX dollars on a loan for XXXX XXXX dollars? Doesnt that seem a bit unfair to you? 

I have dealt with Bank of America for over 13 years. They never answer a question. They just say they will send a message and someone will get back to me. When they say they will send a letter, it is always the same letter, and never addresses the specific issue at hand. For example, why did the PMI on one loan go down every year, while the other PMI stayed the same? 

Nobody ever knows anything, and nobody answers the specific issue at hand. I can only hope Senator XXXX XXXX comes up with new legislation in this Senate that makes Bank of America follow the rules. A multibillion dollar organization, thousands of employees, a CEO who makes more money in a week than I will make in my lifetime, yet a bank too stupid to figure out how to print out a 1099 and send it to me.

I have never been able to see any of their responses because the user id is wrong and I can not change it. So knock that off. Just tell them to send the 1099, and obey the rules. I dont need more messages from those idiots ; I just need them to do their jobs. 

XXXX XXXX
Consumer complaint received 2021-04-02
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. (LA)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2022-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX Account Number : XXXX