davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I received an inheritance. It came in the form of a large check from my grandparents. My family is relying on that money to pay our mortgage and bills. JPMorgan Chase explained to us that since it was a larger amount than we have ever deposited, they would not post any money to our account without waiting 10 days. Far more than they expect us to wait. They explained and acknowledged that they were penalizing us for not being wealthy, effectively, and not depositing large checks. Wealthy people that deposit large checks and dont live check to check seem to have every advantage with the banking system. Chase even spoke with my grandfather and their bank to verify the check. They still have decided to not post any money to my account until next week. They have acknowledged that they are already in possession of a large portion of the funds. Im being penalized for not being wealthy.
Consumer complaint received 2024-04-08
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

A formal report regarding fraud was submitted to USAA Bank, including comprehensive details. Additionally, a follow-up call was placed within the same week to inform them of incoming calls from individuals who had taken our funds. However, rather than recording the information provided, USAA sent a letter declining to refund our money.
Consumer complaint received 2020-06-08
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. (KY)

The credit bureau did not remove for inaccurate closed accounts from my report. The accounts are well over 7 years old, wrong payment history and reporting as either paid recently. These accounts have never been paid by me or own by me. I dispute these accounts over 3 weeks to get a re-dispute that still is not accurate. Both Kheaa, and Kentucky Higher Education have never paid ever and are well over 7 years old. They continue to update the payment history eventhough for the 4 accounts this is also not true.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc. (NY)

Santander Consumer USA reported to XXXX on XX/XX/XXXX that my auto loan account was closed and charged off. This closed status has remained on my credit report since then. I still continue to make payments on the vehicle I continue to have possession of. 
I recently checked my credit report and Santander has now re-aged the closed account date to XX/XX/XXXX. This is a violation of my consumer rights and a violation of the FCRA. Santander Consumer USA is Re-Aging the account to appear as though it is a newly closed account. The account just reached it's 2 years closed mark. I will continue to use my previous credit reports and supporting documentation to fight against this violation.
Consumer complaint received 2020-06-08
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: EQUIFAX, INC. (PA)

Letter dated XX/XX/XXXX from Equifax address XXXX XXXX XXXX XXXX, GA XXXX states Credit Score is XXXX when online report accessed via XXXX XXXX clearly shows XXXX, which is already being disputed via CFPB. 

CURRENT PROBLEM relates to above noted letter that lists Two Contact Phone # 's ... .NONE of which provide option to SPEAK with Equifax Customer Service Representative. ( XXXX ) XXXX only gives options to Freeze or Place Restrictions on Credit which is NOT my issue ... .BUT letter States : " The confirmation number for this Score Report is : XXXX. If you need to Speak with a customer service representative concerning the information on this Score Report, please call ( XXXX ) XXXX and have the Score Report confirmation number available ''. 
** After 20 minutes of Only reaching automated prompts that do NOT give me option to SPEAK with anyone. 
Attempted to Speak with representative via XXXX which Does give Option ( # 5 ) to speak wirh representative related to OTHER ISSUES ... .however I was automatically disconnected TWICE even though I followed Prompts Instructions. 

I am working to refinance my mortgage and the inability to EASILY reach Equifax to resolve an error related to a 52 Point Score DROP on my Equifax Credit Score is what I'm Trying to dispute since NO factors reported in the What's Changed section of Equifax Credit Report updated on XX/XX/XXXX would cause a decrease ... .the " What's Changed '' section for XX/XX/XXXX Report Correctly shows balance REDUCTIONS on 4 accounts which resulted in a Six Point Increase on my XXXX Report. 

RECAP : ... This complaint is to notate my inability to SPEAK to a Customer Service Representative using the telephone numers provided in letter from Equifax that Incorrectly states my Credit Score as of XX/XX/XXXX is XXXX ... when on this Dame Date the Equifax Online Report accessed via XXXX XXXX clearly show XXXX?? 
This ERROR by Equifax has had a negative impact on my ability to obtain a mortgage refince loan AND NOW ... .I simply can not reach a LIVE body at the Equifax Phone Numbers Provided BY Equifax in letter dated XX/XX/XXXX.
Consumer complaint received 2022-10-05
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. (GA)

cfpb complaint # XXXX Experian Is over the time of investigation, Experian responded with the start of investigation XXXX XXXX, 2022. Then XXXX2022 they responded again stating they were still working on my issue and reaching out to the alleged creditors/ furnishers of the reports that have no permission from me as the consumer to report private information, neither does Experian. It is now XXXX2022, Experian has had enough time to investigate. PLEASE REMOVE ACCOUNTS
Consumer complaint received 2019-12-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (MN)

My Conventional Home Mortgage Loan was sold to Wells Fargo who is currently servicing my loan.

Prior to the initial loan due date, I set up early partial payments ( 1/2 of the full payment ), essentially paying ahead, every other week with partial payments.

Wells apparently has a policy that they will not apply the funds until a full payment is received.

My question ( and complaint ) is how can this be legal? They are receiving money ahead of the payment due date and just holding it, free of charge, while continuing to charge me interest.

I contacted them to rectify this issue and they just continued to re-state their policy. They did " escalate '' the issue to the " executive '' team today ( XX/XX/19 )
Consumer complaint received 2020-06-08
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: SYNCHRONY FINANCIAL (TX)

I have a line of credit with Ashley Furniture store for almost a year. I have not missed one payment. I applied for the COVID-19 relief program just because I was out of work for two months due to my job temporarily closing because of the Corona virus. I got a letter in the mail from Ashley stating that they lowered my credit limit amount just because they have the right to do so. I called Ashley Furniture customer service and got the same response as the letter. They stated the company has a right to lower my credit limit, if they deemed it necessary. I have not a missed a payment, so I don't know what warranted them to lower my credit limit.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Experian is reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX DEALER partial account numer XXXX. ( Please see page attached from my credit report. ) This account has a {$0.00} balance and therefore there is no payment to be late on. XXXX and XXXX are reporting correctly. This false reporting of lates is seriously harming my credit score and this line item needs to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted the bureau to fix this however, I have not been successful.
Consumer complaint received 2022-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXX AARGON COLLECTION AGEN XXXX AARGON COLLECTION AGEN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AARGON COLLECTION AGEN XXXX AARGON COLLECTION AGEN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXXelephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX, XXXX, FL XXXX
Consumer complaint received 2020-06-08
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: Experian Information Solutions Inc. (CA)

Ive sent multiple disputes to the credit bureau via mail. I sent them all certified mail and I have return receipts. I have spent a lot of money just trying to communicate with them however they have not given me any help. I asked them for proof of verification and they havent responded to me at all. Its been well over 30 days and Im just trying to fix my credit so I can live a normal life. The accounts on my report are unverified.
Consumer complaint received 2020-06-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Conduent Incorporated (OK)

I received a credit card in the mail ( XX/XX/2020 ) to a company I have never applied to get credit to or applied to get any promotional offers or information. On XX/XX/2020, I called the number listed on the information sent through mail and the automated options do not allow me to speak to a customer representative ; the system will only allow for SSN or DOB, which is not information I want to disclose as I believe this to be fraud as I did not apply for a credit card. 

I have no way of getting additional information as the website is set up the same way in which one has to input personal information to get in touch with a representative. It seems this is a XXXX XXXX XXXX   card XXXX and by mail XXXX XXXX XXXX and website provided XXXX. https : //www.goprogram.com/goedcclient/pdf/Way2Go_Brochure.pdf I have never filed for any unemployment and any cards or prepaid cards in my name are fraudulent. My credit with all companies has been frozen.
Consumer complaint received 2023-01-16
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. (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-06-08
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. (AR)

It APPEARS XXXX, EQUIFAX, AND XXXX ALL HAS VIOLATED MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT AND THE FAIR & ACCURATE CREDIT TRANSACTIONS ACT. I'VE SENT SEVERAL DISPUTES WITH THE MOST BEING ON THE XXXX WHICH INCLUDED A COPY OF LOCAL POLICE REPORT AND IDENTITY THEFT AFFIDAVIT WHICH INCLUDED SPECIFIC ACCOUNTS THAT WERE FROM THE RESULT OF IDENTITY THEFT XXXX XXXX XXXX, XXXX XXXX XXXX, DEPT OF EDU, XXXX   XXXX & XXXX XXXX. XXXX, XXXX, AND EQUIFAX HAS FAILED TO BLOCK THE FRAUD RELATED ACCOUNTS UPON BEING NOTIFIED WITHIN 4 BUSINESS DAYS FROM A CONSUMER IN ADDITION XXXX, EQUIFAX, AND XXXX HAS FAILED TO PROVIDE ANY NOR ACCURATE VERIFICATION WHATSOEVER AND HAS DELIBERATLEY IGNORED MY REQUEST TO UPDATE AND REMOVE THE FRAUDULENT ADDRESSES AND INQUIRIES THAT ARE STILL DISPLAYING ON MY CREDIT FROM MY CREDIT FILE WHICH CLEARLY VIOLATES SECTIONS 605B, 609, 611, AND 623 OF THE FAIR CREDIT REPORTING ACT NOT TO MENTION XXXX XXXX CONTINUES TO REPORT A FRAUD RELATED ACCOUNT AFTER BEING NOTIFIED FROM A CONSUMER REPORTING AGENCY WHICH NEVER PROVIDED ANY INITIAL 5 DAY COMMUNICATION WHICH IS REQUIRED BY THE FAIR DEBT COLLECTION PRACTICE ACT NOT TO MENTION IT HAS BEEN OVER 60 DAYS FROM MY INITIAL DISPUTE AND YET NEITHER XXXX, EQUIFAX, AND XXXX  HAS BEEN ABLE TO PROVIDE ANY ACCURATE VERIFICATION PERIOD OBLIGATING ME TO THESE FRAUD RELATED ACCOUNTS. I WILL NOT ACCEPT THE TYPICAL RESPONSE OF YOU NEEDING TO CONTACT THE FURNISHER OR YOU NEED MORE SPECIFIC INFORMATION REGARDING THE ACCOUNTS, OR YOU REFUSE TO HONER MY REQUEST BECAUSE IM A WORKING WITH A CREDIT REPAIR COMPANY. THE ONLY REASONABLE SOLUTION WOULD BE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS FROM MY CREDIT FILE SINCE I'VE PROVIDED MORE THAN THE NECCESSARY REQUIRED DOCUMENTS TO SUPPORT MY CLAIM.
Consumer complaint received 2023-01-16
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. (IL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-06-08
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. (KY)

The credit bureau did not remove for inaccurate closed accounts from my report. The accounts are well over 7 years old, wrong payment history and reporting as either paid recently. These accounts have never been paid by me or own by me. I dispute these accounts over 3 weeks to get a re-dispute that still is not accurate. Both XXXX, and XXXX XXXX XXXX have never paid ever and are well over 7 years old. They continue to update the payment history eventhough for the 4 accounts this is also not true.
Consumer complaint received 2020-06-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AUTOMOTIVE CREDIT CORPORATION (CO)

I lost my job due to COVID-19, I have tried REPEATEDLY to get Automotive Credit Corp to defer or extend my payment which they refuse to do, I understand they don, t  have to but considering the situation I was hoping for a small break. They tried to repo my truck without sending me any notice of default, or right to cure. They will not work me in anyway. I spoke with XXXX and she would belittle me and was very rude. They have marked down payments that were never late, and one payment is for over {$900.00} for " not having insurance ''. I didn't even know they could do that.
Consumer complaint received 2024-01-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: NAVY FEDERAL CREDIT UNION (NC)

Navy Federal Credit union gave me personal loan that should have been for a lot more based on the my credit score at the time. They used disparate treatment in my case to determine the amount and APR. My Credit score was at least XXXX.
Consumer complaint received 2019-12-26
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. (TN)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2021-09-28
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. (IL)

The accounts listed are results of identity theft. I did not give consent to benefit from or utilize my authorized credit. 
Attached is a copy of my identity theft report Account Name Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-06-08
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Terrill Outsourcing Group (NY)

The debt collection company, called Superlative RM, has contacted at least one relative that I have not lived in the same household with since I was a teenager. This relative has nothing to do with this debt and the debt was incurred at least a decade after we ceased living in the same household.
Consumer complaint received 2020-06-08
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. (VA)

XXXX  ; XXXX  and Transunion should not be reporting a chargeoff on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is in judgment status and scheduled payments are being applied. This continuing to report an account in judgment status is a violation of the Fair Credit Reporting Act. It is mandated by the FCRA that accurate information be reported on a credit report. This false reporting of a chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-06-08
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. (MN)

I submitted an FTC report for all the documents listed on my report that I blieve are fraud due to multiple data breaches where my information has been exposed. I sent a copy of the report to TransUnion, XXXX, and XXXX  and they have not responded to the disputes within thirty days and they have not taken these fraudulent items off my report