davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/XXXX I was made aware of the XXXX credit breach so i went on their site and found out my personal information was exposed during the breach. I then ordered my credit report and discovered there are accounts on my credit that I did not authorize. Please research the XXXX XXXX card that was opened in XXXX of XXXX, and the JPMCB Card that was opened in XXXX of XXXX, and the XXXX XXXX XXXX account that was opened on XXXX of XXXX.
Consumer complaint received 2023-03-09
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Professional Medical Management, Inc. (PA)

This company has continually called me about a medical debt. The last person I talked to specifically stated it would be noted on my account to no loner call or send communications of any sort. She also was extremely rude. Even after i told her that there should be no further communication, she went on to ask me if i am aware of the medical debt. 

I made it clear for the second time now in that phone call to cease and desist and that i already sent written statement for that. I am sending another one today through their email XXXX. The phone number they call from is XXXX and they are called Financial Recoveries. 

They have called me again today at XXXX.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I sent my letter to dispute the following accounts that were on my credit on XX/XX/XXXX. The Letter to Remove Inaccurate Credit Information. These are items that were on my credit that I wanted removed according to the Fair Credit Reporting Act. I also informed them that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. I was supposed to hear back within 30 days but got no response from them. 
Date of XXXX inquiries were on XX/XX/XXXX. 
Date of Closed Account XX/XX/XXXX. 
Date of Collection XX/XX/XXXX. 
Date of Closed Account XX/XX/XXXX.
Consumer complaint received 2020-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

In XX/XX/XXXX, I applied for American Express XXXX XXXX  credit card with the promotional offer of spending US {$1000.00} within the first 3 months of membership and receiving XXXX XXXX reward points. 

And In XXXX, I spent US {$2000.00}, in XXXX, I spent {$810.00}, far exceeded the requirement for the signup bonus, yet American Express denied my bonus claiming they have the ultimate say in bonus eligibility and they " decided '' that my intention was to get the sign up bonus and not use the card. 

In XXXX, I also applied for and got approved American Express XXXX EveryDay card with the condition of spending {$1000.00} within first 3 moths of account opening and receiving US {$100.00} bonus. By XX/XX/XXXX, I have spent {$1300.00} on the card, again, American Express denied my sign up bonus. 

I have been using American Express credit card with an annual fee constantly since XXXX, and I have been had a bank account with them since around the same time and that has been my main account. For American Express to claim I have not been giving them business in the past simply does not reflect the truth. 

I don't have a problem with what American Express said they can decide whether someone is eligible for the sign up bonus or not, but I have a HUGE problem with American Express not making that fact that an application is not eligible for sign up bonus clear in the application process, basically what happened was one party ( American Express ) silently altered the contract that without informing the consumer, and this is FRAUD. From other user group discussion, this happens to a lot of users too. American Express claims during the application process, there may have been a pop up window telling the user that they may not be eligible for the sign up bonus and if they wish to continue with the application. In both of my cases, that never happened. And if that indeed happened, I demand the evidence of user ( me ) clicking Yes to continue my application on the form that informs me that I would not be eligible for sign up bonus.

Also instead of making this critical step a mandatory user input in their online application process, the choice of using a pop up window is very dubious as American Express must be aware that lots of browser block pop up by default. This is at best gross negligence and possibly intended for it to be blocked. 

It is for this reason, I urge you to look into this predatory practice : by claiming the ultimate authority on deciding the bonus eligibility, by making the part that informs user their ineligibility obscure, then combined with advertising to the consumers with promotional offers, American Express has fraudulently profited consumers taking up on their advertised offer then deny what's promised. This is totally unfair and unacceptable.
Consumer complaint received 2020-01-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: CL Holdings LLC (OH)

In XXXX my husband and I were offered private student loans through XXXX XXXX in which would borrowed approx. {$70000.00}. My husband was injured on the job and became XXXX  XXXX. In XXXX, when the loans came due we used forbearance as our only option due to our financial situation. Around XXXX, We were informed through the mail that XXXX XXXX XXXX XXXX purchased the private student loan debt in which they aggressive sought repayment by filing for a judgement against us. They were informed through the court system that my husband was XXXX  XXXX and they still pursued the judgement. They also claimed that the debt we owed was well over {$200000.00}. Making any form of payment more than what my husband and I could afford. I found out XXXX XXXX XXXX had my bank account information and I was afraid of them freezing my accounts which would make it impossible to take care of our children therefore we are paying the loan through the watchful eye of Chapter XXXX bankruptcy. Do not take out private students loans! If you become XXXX the debt collection agencies do not care and will aggressively pursue you in court and ruin your life!
Consumer complaint received 2023-05-22
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. (IN)

Recently, I did an investigation on my credit report which caused severe XXXX  upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting XXXX  % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be XXXX % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting XXXX % accurate.
Consumer complaint received 2023-01-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NV)

In 2010 I had a VA mortgage on my home in XXXX XXXX, NV through Wells Fargo. When the housing values dropped out and the government gave money to financial institutions so homeowners could refinance their homes at fair market value I was turned down for refinancing through Wells Fargo. I called and offered to refinance my home at twice the fair market value and was told numerous times " no. '' Wells Fargo told me they would start foreclosure proceedings if I didn't make my payments. I was current on all my payments until this point. I told them I would honor my mortgage contract by surrendering my home since I wasn't going to make payments on it. They told me they don't want the home, I told them I didn't either. They started the foreclosure process but before it finalized they called and encouraged me to do a " short sale. '' I told them I didn't know what a short sale was, they explained it to me. They never told me it would damage my credit or impact my future buying power with the VA, they just told me it's a way to avoid foreclosure. I didn't know any better so I agreed to it. They accepted a buying offer of approx. XXXX which was much less than the XXXX I offered to refinance it for myself. I felt I was extremely mistreated by Wells Fargo during this process and still today have a reduced amount the VA will guarantee a home purchase for since this transaction in 2010 with Wells Fargo.
Consumer complaint received 2019-11-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

IQ DATA INTERNATIONAL has a negative collection item on my credit report reporting since XX/XX/2019 ( XXXX and XXXX ) and XX/XX/2019 ( XXXX ). I have disputed this item to have it verified and validated. I received notice that the debt was verified from the credit bureau but did not get anything showing how it was verified/validated from the company or the credit bureau.I requested via certified mail to have debt verified according to Texas law or be removed and the company did not send anything nor remove it.I have requested over 2 times. They sent back my letters and never responded to the letters. I sent each letter via certified mail XXXX XXXX XXXX XXXX XXXX on XX/XX/2019 XXXX XXXX XXXX XXXX XXXX on XX/XX/2019. I want this removed from my credit report immediately. They are not above the Texas Law.
Consumer complaint received 2022-09-05
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. (CT)

In accordance with the Fair Credit Reporting act 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 2023-07-15
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: EQUIFAX, INC. (NC)

Regardless of the multiple written requests, the ITEMS listed 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 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXXXXXX Balance : {$450.00} ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2023-07-15
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: EQUIFAX, INC. (TX)

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (ME)

I owned a house in XXXX, New Hampshire ( XXXX XXXX XXXX ) and was foreclosed by Wells Fargo in XXXX even though I applied for Mortgage Modification, and thought I was approved but they still foreclosed. I was evicted in XXXX of XXXX but still filed for relief and eventually, as part of a government settlement, I received a check fir {$6000.00} ( the maximum payment ) .... which I tore up and mailed the pieces back! 
My mortgage was 2 months and seven days late and I mailed a check ( which they a cashed ) for the 3 payment .... ... but this did not stop the foreclosure... I also had an equity loan which as up to date and after the foreclosure of the mortgage they unilaterally closed by equity loan... I addition I found out they masked their financial mendacity by making reference to the person we bought the house from and not the foreclosurdeed ... .. Also I had an attorney ( XXXX XXXX XXXX XXXX NH XXXX and he might still have al the record which I left with him for safe-keeping., I thought after all time all was lost but now is the time. 

Thanks XXXX XXXX
Consumer complaint received 2020-01-03
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. (TX)

In XX/XX/2019, I filed a dispute with Transunion concerning my XXXX account that is on my credit report. XXXX was involved in a class action lawsuit, along with several other lenders. As part of the class action lawsuit, XXXX was supposed to remove their information from consumers credit reports. Transunion said they verified the information as accurate, which is impossible, because how can Transunion verify this information as accurate, when a court order says it has to be removed. Either way two parties are at-fault here. XXXX is at-fault for not removing the information, and Transunion is at-fault for verifying something as accurate when it isn't.
Consumer complaint received 2024-03-14
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. (TN)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX, and so on.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (TX)

I was with Wells Fargo for XXXX yrs. Now my accounts are closed because for some reason everytime I would mobile deposit checks, or just go to an ATM and put money in there when I would go back to check my accounts it XXXX always be way less than the amount I suppose to have had. And then when I would call to see what was going on with my money they could not explain, or give me a reason as of to where my money went. I dont remember the exact dates but I know they have took over {$100000.00} from me. So I got sick of it and closed my account.. Wells Fargo is not a good bank.and I wish I knew then there was someone besides them I could talk to instead of customers service to get things resolved. Please help me regain my money back from throughout the years. That has caused me a lot of pain because I was not able to keep my promise with bills an things knowing the money was In my accounts. But when I turn around it wasnt. Ive went with no water, no light etc..
Consumer complaint received 2020-01-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (RI)

On XX/XX/2019, I informed Santander Bank that I was cancelling the current home owners insurance policy and writing a new home owners insurance policy with another company. Santander requested a copy of the declaration page for the new policy which was provided to them by the new insurance provider. Santander confirmed receipt and approval of the policy. 
On XX/XX/2019 I received a letter from Santander Bank indicating that a review of the policy indicating the property may not be adequately insured. I notified the insurance company who immediately called Santander and received verbal confirmation the coverage was adequate and that the letter was sent out as a formality. I called Santander on XX/XX/2019 and also received verbal confirmation from XXXX ID # XXXX as no last names are provided. I asked XXXX to have a letter sent out to me confirming in writing that the coverage was adequate. XXXX informed me that Santander would not be sending a letter of confirmation. I asked to speak to a decision maker and XXXX said she would escalate to her supervisor to call me. I have yet to receive a call.
Consumer complaint received 2019-11-25
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. (NY)

On XX/XX/XXXX I sent a dispute letter to TransUnion for them to delete a Bankruptcy XXXX. On XX/XX/XXXX I received a response from TransUnion stating that the item was VERIFIED. I then sent a letter of validation on XX/XX/XXXX for which TransUnion provided a response of VERIFIED by XX/XX/XXXX. Because I did not receive any documentation about how they validated this record, I sent a request for the investigative material on XX/XX/XXXX, and once again I received a response by XX/XX/XXXX with just a piece of document that said VERIFIED without any of the requested investigative material. Thinking that there was a confusion I sent one letter on XX/XX/XXXX requesting, once again a description of the procedure used to determine the accuracy and completeness of the information, for which they replied on XX/XX/XXXX stating that they recently completed an investigation and that the data furnisher verified the information on my credit file. I still have not received the investigative material, and clarification of who is this data furnisher. 
I now would like to ask for the 4th time all investigative material concerning this bankruptcy. I would like to have copies of those documents instead of having TransUnion initiate another dispute and getting a repetitive VERIFIED answer. 
Attached are all the letters I sent and their responses by date as well as a letter from the Bankruptcy court stating that they do not verify any information with the credit bureaus. Also a picture of my report which shows that the only credit bureau that has this unverified bankruptcy is TransUnion. 
Looking forward to receiving the investigative material at your earliest convenience. 
Thanks!
Consumer complaint received 2020-01-03
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldridge PIte Haan, LLP (GA)

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Section 803 ( 6 ) which states that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. ", " Aldridge Pite Haan , LLP '' hereinafter referred to as " XXXX  XXXX XXXX XXXX '' is a debt collector. On behalf of XXXX   XXXX XXXX XXXX, debt collector XXXX XXXX XXXX filed a lawsuit ( Civil Action No. XXXX XXXX XXXX XXXX ) in XXXX County State Court indicating that he is an attorney which is false and misleading pursuant to FDCPA Section 807 ( 3 ) on XX/XX/2019, on behalf of " XXXX XXXX, XXXX, XXXX '' hereinafter referred to as " the XXXX '' who is a debt collector pursuant to FDCPA Section 803 ( 6 ). On behalf of the XXXX, I was served a summons by a court process server which was unauthorized third party communication to the consumer pursuant to FDCPA Section 805 ( b ). On behalf of the XXXX, the court process server violated FDCPA Section 807 ( 11 ) by not disclosing in their initial communication with the consumer " that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose ''. XXXX XXXX XXXX XXXX has violated my rights as a consumer by violating several sections of the Fair Debt Collection Practices Act.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I wrote XXXX and Equifax and requested that they remove the inquiries. I called XXXX and Equifax and requested that they remove the inquiries. Each respective agency suggested that I submit an identity theft claim to the FTC, print out the report, then send a copy to each of them. 

I sent a request to each company and asked them to remove their respective inquiry. Only XXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX has responded. 

XXXX and XXXX XXXX findings were inconclusive or they were able to verify the unauthorized I attempted to submit the identity theft report to the FTC ; however, I was redirected to the CFPB website, whom I am told, addresses everything relative to credit reporting.