davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-12
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: JPMORGAN CHASE & CO. (OH)

I had a unauthorised charge on my chase business account. The charge was XXXX dollars. I contacted chase and they gave me a XXXX temp credit. They claimed the company changing provided all the proper information for the charge and then took the credit back leaving a charge of XXXX on my checking account. Now chase has cut workers during this pandemic so it's a minimum 50 min wait on hold to talk to a person. So i use their message system. Now the merchant who charged has claimed they reversed the charge and have nothing? Contradictory to chase bank, now chase is saying there was no money taken from my account? I only have the 3 charges and credit to equal - XXXX in my account. Basically my money is gone. They are highly incompetent and take days to Respond and never give details. They have cut staff and continue to avoid answering where my money is at! They have held my money in one way or another since XX/XX/XXXX!!!! They are profiting off this pandemic by basically withholding money and making it very hard to contact them, they are a bank and should have no right to play with peoples money during a pandemic. I personally believe they are using this pandemic to profit from their customers.
Consumer complaint received 2020-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (CA)

XXXX XXXX XXXX , XXXX Claims I owe them XXXX , and I don't owe them and know nothing about this " Debt '' .. I've reached out directly to them VIA there website " Contact Us '' 20 days prior to this day and have asked for Verification and Validation and haven't received a response whatsoever. and I don't want false information to uploaded to my Credit Report without any Verification. Thank You CFPB.
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

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. 


I told XXXX, XXXX, and Equifax to reinvestigate this account ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.

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. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-04-12
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. ()

I am being garnished by Pioneer Credit Recovery XXXX, NY. They represent XXXX XXXX XXXX XXXX, The notice of Garnishment was sent to my old address. They started garnishment XX/XX/XXXX to my employer. I was told that they would not take my tax return as they have done in previous years since I was being Garnished. I was also told that if I put a payment plan in pace that the garnishment would stop in XX/XX/XXXX. Now they say XX/XX/XXXX. The number they refer me back to is un -manned and even before the Covid outbreak. I called at least 20 times and never could speak to anyone or leave a message that was returned and it has been 4 months. I think that my tax return should be refunded by Illinois XXXX XXXX as they took my take return with a garnishment in place as I was told. to me as I am being garnished and have a hardship payment plan in conjunction as I was told. Now XXXX knows what I should do and they say they can not help me. It is what it is. I gave permission to my mother who works is the industry and they told her the same untruth.I have XXXX small children and they have rendered me indigent, I was also told that there was no way to file a motion to ask the judge fofr a lesser payment. Now I am going to hardly working and I can not support myself and my kids.
Consumer complaint received 2020-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NJ)

As a XXXX XXXX resolution I decided to resume working on bettering my credit. While checking my credit reports in mid-XXXX I discovered that a new collection account was added on XX/XX/XXXX in the amount of {$650.00}. It is reporting under the company Resurgent/LVNV Funding. I have never heard of this company nor I have done business with them before. On XX/XX/XXXX I sent this company a certified letter asking for debt validation and a signed contract showing me that this is a valid debt. The company responded on XX/XX/XXXX with a printed statement from Im assuming the original creditor and a letter stating that the debt is valid. Since this was not what I asked for on XX/XX/XXXX I responded to the companys letter with another certified letter informing them that their response was not debt validation. The company has not responded as of today with a signed contract nor did this company provide me a dunning letter before I even contacted them. Had I not checked my reports I would not of known about this collection account. Because of these reasons I do not feel that I owe this debt and want it removed immediately from of my credit reports.
Consumer complaint received 2020-08-04
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. (NY)

I have a loan with XXXX/XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian, XXXX/XXXX  XXXX, XXXX XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP (CA)

Capital Management Services , LP Claims I owe them XXXX , and I don't owe them and know nothing about this " Debt '' .. I've reached out directly to them VIA there website " Contact Us '' 20 days prior to this day and have asked for Verification and Validation and haven't received a response whatsoever. and I don't want false information to uploaded to my Credit Report without any Verification. Thank You CFPB.
Consumer complaint received 2024-03-23
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. (MS)

On XX/XX/XXXX I requested that the following inquiries be removed from my credit report : XXXX : XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX  Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Equifax : XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX : XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX
Consumer complaint received 2023-01-06
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. (LA)

I asked the credit bureaus to do a verification on my credit reports and they did. They stated everything was accurate. I did a thorough research myself and found some improper inaccurate after they did the thorough investigation. In accordance with the FAIR Credit Reporting Act. These creditors has violated my rights. 15 U.S.C. 1681 section 602 A states, I have a 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. XXXX XXXX Account # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct # XXXX. These accounts were deleted from Equifax and XXXX but, still appears on my XXXX reports and I would like all my reports to reflect the same by deleting them. I have been waiting for a response from the credit bureaus. Spoke to a Representative at Equifax on XX/XX/2023 and he assured me that these items was deleted and he will be sending me an update credit report. Again I need all 3 credit reports reflecting the same deletions which they are not.
Consumer complaint received 2020-06-12
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. (NY)

XXXX XXXX XXXX Account ending in XXXX Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist.
Consumer complaint received 2020-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: FREEDOM FINANCIAL NETWORK (TN)

On XXXX I enter into an agreement with Freedom Debt Relief to communicate with my creditors and discuss any and all details of my financial situation. 
XXXX XXXX * XXXX  XXXX * XXXX XXXX  * XXXX XXXX ( XXXX different accounts ) On XXXX I signed an agreement for Freedom Debt Relief to begin negotiating settlements of my debt obligations. We also set up a Financial Hardship Statement. 

XXXX I established an ACH debit from my account for {$690.00}. The payments were establish to be deducted bi weekly with me paying {$320.00} twice a month. 

XXXX I received a letter from Freedom Debt Relief stating a settlement was approved with XXXX XXXX for the amount of {$3600.00}. 

XXXX I received a letter from Freedom Debt Relief stating a settlement was approved with XXXX XXXX  for the amount of {$1800.00}. 

XXXX I received a letter from Freedom Debt Relief stating a settlement was approved with XXXX XXXX for the amount of {$10000.00}. 

XXXX I reviewed my Freedom Debt Relief account and noticed I had deposited {$22000.00} into the Freedom Debt Account, which exceed the settlement amount by {$6900.00}. 

XXXX I print a copy of my XXXX  Credit Report and noticed the accounts XXXX XXXX, XXXX XXXX   and XXXX XXXX accounts were closed and charged off due to non payment. 

On XXXX I called Freedom Debt Relief and talked to a Customer Representative name XXXX. When I asked about my accounts not being paid, his only response was I had not accumulated enough funds in my account to pay all of my settlements. 
I asked how could that be if my account summary clearly states I have deposited {$22000.00}.
Consumer complaint received 2020-04-12
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9500.00}, {$15000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. In accordance with FCRA, S
ection 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

ON XX/XX/year>XXXX  I contacted Equifax about unautorized and inaccurate fraudulent accounts that I disputed that came back verified! XXXX the supervisor from Equifax fraudulent dept that I the consumer spoke to from XXXX XXXX  to XXXX XXXX  est on XX/XX/year> stated that he did not see my police report attached to my complaint from the CFPB # XXXX. I stated to XXXX from Equifax I the consumer can see my CFPB compliant # XXXX has my local police report attached. XXXX disregarded my statement making me feel not important causing emotional damage. XXXX also stated that my FTC report was not valid.I XXXX XXXX the consumer question XXXX from Equifax how is my FTC report is not valid. XXXX stated that he could not tell me why it was not valid I would have to send an updated FTC report. I notified XXXX he had violated on behalf of Equifax my consumer rights following the guidelines of the FCRA. XXXX ended my call without notifying me that the call would be ended. I am also filing a complaint with XXXX  for XXXX the supervisor at Equifax. At XXXX est I the consumer spoke with XXXX XXXX the Fraud dept of Equifax and stated that I was just on the phone with XXXX and he had ended our call.Shree apologized for XXXX XXXX action and asked how may she assist. I the consumer stated to XXXX that Equifax has violated so many laws according to the FCRA guidelines. XXXX stated that I would need to send an updated FTC report reporting this matter so the accounts can be DELETED. New FTC and police reports will be attached to this complaint.
Consumer complaint received 2020-06-12
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)

XXXX XXXX XXXX Account ending in XXXX Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist.
Consumer complaint received 2020-04-12
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: WELLS FARGO & COMPANY (FL)

I initiated a dispute with Wells Fargo last year for a purchase I made overseas and the bank refused to honor my dispute. Instead I was sent a letter on XX/XX/2020 stating the dispute was declined for " not as described food and services ''. No further explanation was given and their explanation is misleading and deceptive. I provided all the paperwork as asked and many times the bank made an error where a rep closed my dispute by mistake and I had to reopen dispute again. I was never notified of when my dispute was closed but i only came to find out when calling their bank. I Also at times the bank seemed to have lost my paperwork and made me resend again. Other times my dispute was not reopened when i requested to have it reopened. i want to know why they closed my dispute and to provide a detailed explanation. I have submitted all documentation asked over the months to support my dispute but still my dispute was closed without a valid reason. If this kind of deceptive customer service continues from Wells Fargo I have no other choice but to close my accounts. In the past they have been guilty of opening accounts without customers permission and they paid a big penalty and now they are doing it again by not resolving disputes and not following the proper guidelines. They openning accounts but they don't want to do the work and resolve anything for the client such as disputes. They just want numbers. I want a bank and credit card that will work for me and not a bank that I will be working for them!! So far Wells Fargo is lagging behind as a reputable bank and I wanted to give it a try but they have let me down. I have included some paperwork as support to my claim.
Consumer complaint received 2020-06-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I am in the process of trying to buy my first home. Huntington has made multiple mistakes that would have cost me an additional {$12000.00}, had I not read the disclsoures accurately. 

My initial pre-approval letter was completed at the beginning of XXXX for a 3 % down payment. I made an offer on a home shortly thereafter and all documents were sent to the bank, including the purchase order. They then proceeded to offer me a loan disclosure with a different down payment of 5 % and I was told this was because of my income level, which I was never advised of from the beginning. I provided my income level at the beginning, too. Shortly after, someone at Huntington read my purchase agreement incorrectly and assumed that the remainder of my down payment was actually earnest money and that it was already paid. That was then credited to closing costs causing the initial cash to close amount to go from {$12000.00} to {$19000.00}. Had I not done my due diligence, I would not have uncovered this. This was after weeks of trying to get a response. I was then laughed at via email when I said I was getting upset with the process. He responded with " lol, '' which was very unprofessional. Fast forward to XX/XX/XXXX, and I spoke with a manager and he assured me that the process would be smoother going forward. 

However, since then, I have uploaded all financial documents requested along with additional details and have continually asked the status of the closing and I still can not get in contact with anyone who has answers. I also was required to provide an original copy of the 4506-T form by mail, rather than signed electronically. I was told that the IRS does not accept electronic copies, but I found out directly from the IRS that they do, in fact, accept electronic copies signed via XXXX. 

Additionally, I was told the form would be XXXX  overnight. 2 days later, I received it. I forwarded it back that very day within an hour of receiving it. That was at the end of XXXX. It is now XX/XX/XXXX and I am weeks away from closing with no update from anyone. I have been treated very poorly during a global pandemic and am upset and unsure if I can even trust the process and loan process with Huntington at this point. Please help.