davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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. This company told the CFPB that they followed procedures an provided correct information which was not proof of verification and validation the account they only mailed me a copy of a credit card bill that supposedly had my name on it. They did not showed me any documents were I signed a contract or made any business arrangements with them which is another violation of the FCRA laws. Down below are the documents they mailed me and me also showing how they reporting inaccurate inaccurate on my credit file which is damaging my credit and my life.
Consumer complaint received 2020-04-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (GA)

The company, Asset Care has illegally reported and demand debt collection for different amounts of debt they have not legally informed or verified with me. I've sent certified debt validation letters on XX/XX/2020 for the company to send specific requested documents within 30 days of the date on the letters. I also advised the company that failure to do so within 30 days or failure to mail all requested documents will legally force them to remove those debts from my credit report at once. The company has failed to respond and has not provided validation as of today XX/XX/2020.
Consumer complaint received 2020-03-30
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. (CA)

I applied for a XXXX credit card today XX/XX/2020 and I was not approved. I was confused as to why I didn't get approved since I have a great credit history. I looked through my credit report and I saw several accounts and inquiries on my report that are not mine. I did not open any of those accounts and after making some phone calls I found out that those accounts were opened by a person named XXXX XXXX without my permission. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any purchases nor did I make any payments towards any account. I have already filed a police report regarding this matter as well as filed a complaint with the Consumer Financial Protection Bureau.
Consumer complaint received 2020-03-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (IL)

Santander Consumer USA Took over the car loan from Gateway One Lending & Finance. There was no communication from them. I only realized this when i sent an email to Gateway and was informed that the account is with Santander. I had to try to create my own log in to to get an account number, which this information wasn't provided. i have emailed them three different times about paying the car loan off. There has never been a response back from them.The customer service sucks and they should never be in business. I have sent a payment in full for the car and asked when I would receive my title, and i haven't received a response. When i go on line it still shows the amount due, I sent a check for XXXX, I don't know what type of scam they are running. Both of these companies have left me in the dark about communication and about my loan.
Consumer complaint received 2020-03-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NJ)

Since the end of 2019, no one has been available by telephone to service my JP Morgan checking account. I just confirmed again that this remains the case. 

I am suppose to be able to request and obtain free, one-time electronic transfers as part of the servicing on this account. When I tried to exercise this feature of the account last XXXX, after calling one or more customer service numbers, I was transferred to someone in the XXXX who told me she had no way to access information about this account and that her supervisor had no way to access the account either. As of today, I can not reach anyone by telephone who can access this account or provide this service that is suppose to be available on JP Morgan checking accounts. 

Today I was locked out of Chase online. I can not check any of three accounts that I have with JP Morgan Chase. In addition, a telephone number that has nothing to do with this account is listed on it : XXXX. The information that came up online to reset my password indicated that I could enter my Amazon/Chase Prime credit card to get a code to reset my online password. This did not occur. The first time I tried, I was disconnected. The second time I called, I was told that I would need to wait online for 50 minutes. Recordings indicate that I can access my accounts online which is false. 

Although the current covid-19 pandemic has worsened service from JP Morgan Chase, there were insurmountable problems previously that have been long standing for several years. They have never been resolved. 

Presently, I have no access to any of 3 of my accounts with JP Morgan Chase. I can not check or make bill payments through this online feature of my checking account. And even when I reach employees of this company, they also claim they have no access to any, or one or more of the accounts. 

Please force JP Morgan Chase to provide me immediate access to my accounts with it and to provide full service to the checking account, in accordance with what is typically available to JP Morgan checking accounts. In particular, it needs to provide free, EFT transfers when requested. 

I have written about various related problems with JP Morgan Chase for years, yet my accounts remain completely inaccessible to me or to JP Morgan Chase employees which the bank widely advertises as being available to provide support and services that are not provided when they are sought. 

The CFPB needs to employ effective means to force this bank to comply with its own advertised services. Relying on unmonitored software to get it to comply with the law is insufficient to provide banking services to consumers. I have complained about this to the CFPB numerous times without relief. Since nothing was done before the pandemic, it now appears that it will be more difficult to obtain reliable banking services that JP Morgan Chase widely advertises for its accounts.
Consumer complaint received 2021-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (GA)

The beginning of XXXX my boyfriend and i got into a fight which resulted into him going to jail. 
We share a wells fargo account and on the XXXX i believe, my car note was trying to get taken out but it went into the negatives because of insufficient funds. Thats when i noticed unauthorized apple pay charges made from our account under HIS debit card. 
First of all, his card is in the possession of the police department because they took everything on him & second, his phones are in their possession as well. 
I later found out that his mother told his ex to go to XXXX XXXX to get his number transferred to new phones. His ex decided to keep the phones instead of giving it to his mother. She logged into his XXXX and transferred money to herself through XXXX XXXX. 
I made several claims with wells fargo and i keep being told i will receive a call but i havent. all they can tell me/ask me is about his card and if i had possession of it and if anybody else knew his pin, and im like it was through apple pay!!!! i dont know any of his passwords NOTHING.. hes in jail! nothing was authorized! i keep explaining to them i have bills to pay, that account i use to pay bills and now i cant because i am waiting for over $ XXXX that was taken..
Consumer complaint received 2020-06-11
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. (FL)

Experian failed to investigate a dispute, Experian is not investigating disputes, they just notified the creditor of the dispute and letted the creditor decides if the information reported is incorrect or not. 
Experian sent me a letter saying that : If the account was opened as a result of identity theft, the creditor may not know how to contact you to discuss this matter, the credit requested that you contact them directly ... 
And the disputed account remained in my credit report. 
I sent a letter to the credit bureau directly notifying them with an explanation of the issue, by law they should investigate my dispute in their ends but they failed to do so. 
Others Credit Bureaus investigated my dispute and deleted the information from my credit report but Experian is not doing the investigation appropriately.
Consumer complaint received 2020-03-30
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Prosper Marketplace, Inc. (FL)

Prosper refused to close my account and return my money. They are insisting that I forfeit my money to them in order to close the account. 

From Prosper in response to my request to close my account : Thank you for choosing Prosper Investor Services. We appreciate you reaching out in request to close your account. Unfortunately, we can not send checks. The process to close out an account has updated recently and we would be glad to help you get through that. If you would like to forfeit the account as is ; with assets, active notes, available cash, or charged-off loans you may still sign the Forfeiture XXXX. Please read through the form as it does entail that, by signing this XXXX, you would forfeit any future recoveries received for any defaulted/charged-off accounts. Be advised that there is not a set time-frame for this document to be generated, just be sure to monitor your Prosper-associated email address. Please reply to this email if you would like to initiate the forfeiture process so we can initiate that for you.
Consumer complaint received 2022-12-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (PA)

So I have had a ton of problems with this company. XXXX of my disputes took over XXXX years to recieve a response. Anyway I filed another dispute and for some reason it was taken back as no error found. The card was lost and used against my will or knowledge. I had thw PIN memorized but also written down in my wallet, which had also been lost. I had to order a new license and social security card and other cards. Also my virtual card got hacked as well and I brought that up to current and had a new virtual card issued. 
Anyway, this transaction that was made fraudently came back as no error found because my pin, that had also been stolen out of my wallet was not entered wrong. That makes no sense, because the pin was with the wallet that had been stolen. So I want that money replaced because that transaction was fraudulent. 
Then that brings us to a bill payment for XXXX XXXX XXXX  that was XXXX and it qas made with my hacked virtual card. I have never had XXXX XXXX XXXX  as my phone company. If you actually looked into, this transaction was for a totally different person, and also a male. I have called XXXX XXXX XXXX They told me to file a dispute to get my money back. That XXXX I would like returned. 
I am filing another dispute that was made with my hacked virtual card. I am filing rhe dispute now, they are for XXXX, XXXX and XXXX. The XXXX and XXXX are from XXXX XXXX XXXX as well, as I said I never had an account with them. The XXXX XXXX  transaction is for a court fee that was not mine. It is not in my name and was also paid for with my hacked virtual card. I want the money from the XXXX XXXX XXXX XXXX  transactions back as they were all made fraudently, and I want the XXXX XXXX transaction paid XXXX XXXX to me as well, as this fee was not in my name and not my court fee. I am so disappointed as I have recieved no emails about any of my disputes. I have to file complaints on this site to even get a response. None of my disputes are even looked into, and I believe I am having such trouble getting my money back because I have filed so many disputes. I am getting tired of my money getting hacked and not being able to recive it back from the bank. The companies that the card was used fraudulent have informed me to file a dispute with the bank and get the money back. I am so dissatisfied and disappointed with this bank. 

I recommend never using this bank. They take forever to get back to you, and then receive your money back when you dispute fraudent activity.
Consumer complaint received 2020-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (NC)

Paid for yearly subscription to Equifax, have disputed information as missing or inaccurate multiple times reference CFPB Case number XXXX, CFPB Case number XXXX, Reference CFPB Case XXXX. Tradeline being " XXXX '' is being suppressed on my credit report resulting in my credit worthiness and score to be lower. It's damaging and inaccurate. Missing information / account should be appearing on my personal credit report. Documents attached below state the lender " XXXX '' has reported this information to Equifax on XX/XX/2020. Still does not appear on my credit report.
Consumer complaint received 2023-02-02
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Eagle Recovery Associates, Inc. (IL)

On XX/XX/2023 someone else at my location answered the call, and they asked for me by first name only and then gave them my birthdate and last XXXX of my social. I feel like this information should not be shared and its an improper way to confirm someones identity as social security numbers are not public information.
Consumer complaint received 2022-12-29
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. (TX)

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. 

Accounts : 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 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 MAKER 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 REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2020-03-30
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: WELLS FARGO & COMPANY (KY)

Hello, my name is XXXX XXXX and I am reaching out today to speak about an error that I found on my credit report. On XX/XX/XXXX, Wells Fargo Bank placed a hard inquiry on my credit report. I have never worked with Wells Fargo or banked with them for any other reason making this hard inquiry an error. 

XXXX XXXX was another company which place a hard inquiry on my credit report finding it to be a error as well on XX/XX/2019. 

XXXX XXXX is the third to place another hard inquiry on XX/XX/2019. This is also an error. 

XXXX XXXX is the last company which placed two hard inquiries on XX/XX/XXXX and XX/XX/XXXX, XXXX these were also errors As a student trying to improve my credit report so I get a chance to someday buy a home for my family and contribute to the system by starting my own business. Things like this on my report will only make it difficult for me and my future family to progress.
Consumer complaint received 2020-03-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

TO CFPB : THIS IS MY THIRD ATTEMPT TO HAVE CFPB DO SOMETHING BESIDES ACCEPTING THE SAME CANNED RESPONSE FROM B OF A. ALLOWING THEM TO CUT/PASTE THE SAME RESPONSE AND THEN CLOSING THE CASE PERMITTING THEM TO HAVE THE FINAL SAY IS UNACCEPTABLE AND DOES NOT DEMONSTRATE THE CFPB MISSION TO " PROTECT CONSUMERS. '' Here are my queries to their response that claims I failed to finish a process - which is totally inaccurate, and they know it. 

1 ) I do understand that because my former spouse declared bankruptcy, that his actions don't relieve the debt we incurred jointly. That is why I was asking about modifying it, so please don't include in the response this bit of information as I understand this. What blew my mind was that B of A was essentially telling me that the debt was erased due to his actions which was crazy talk, but those were the types of responses I got when trying to reconcile this debt. 

2 ) I NEVER got the XXXX Pre-Foreclosure Notice. Please demonstrate proof that this was received by me. You don't have proof as it never happened. 

3 ) Your records about my XXXX home retention attempt are totally false. I was trying to modify my loan, as evidenced by the attached, and you'll see your reps response that reads " I'm not ignoring you XXXX. Just real busy. .... '' and I was never able to get back on board to get anyone to help me with my 2nd mortgage until I got the Notice of Default years later. You'll also note whereas I asked about modifying my 2nd mortgage wayyyy back in XXXX when I began my first mortgage modification. Why on earth would a reasonable person go through the entire process to modify their 1st mortgage and then just blow off modifying the 2nd mortgage? Please explain a logical reason why anyone would do this - nope, no logic there. 

4 ) YOU SHOW ME where I acknowledged that I was not interested in modifying my 2nd mortgage prior to the NOD being filed. You have no proof because it NEVER happened. 

I will continue to file complaints and eventually consult an attorney, but please don't respond with the same erroneous summary that you are using to substantiate your position. B of A was simply ill equipped to handle the modification of the 2nd mortgage which is not my fault. So I'm asking for some relief of the fees and interest charged during that timeframe.
Consumer complaint received 2021-10-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (FL)

I initially financed my XXXX  XXXX XXXX through Hyundai Motor Finance. In XX/XX/2021, I decided to refinance with my current credit union. My credit union paid off Hyundai 's loan on XXXX XX/XX/2021. It is now XXXX XX/XX/2021 and the Hyundai is still reflected as lienholder. I called Hyundai several times in XXXX, several times in XXXX, XXXX XXXX, and again on XXXX XXXX. When I called in XXXX, I was told that they'd send a message to the title department to release the title. I explained that this is Florida, and they have to electronically release the lien. I was told it would take 3-5 days each time I called. My credit union even three way called Hyundai in XXXX to explain the process. They advised Hyundai that it should only take 24-48 hours to do this, and again, we were promised it would be done. On the calls in XXXX and XXXX, I asked to speak with a manager, who told me the same exact things. I was promised it would get done. On XXXX XXXX, I spoke with a rude " manager '' who tried to tell me how it work, saying they just have to send a release in the mail. And when I visited the DMV today, they told me that is NOT how it works. They HAVE to call the state of Florida to release themselves as lienholder and there is nothing anybody can do until that is done. I called Hyundai again today, XXXX XXXX, after my DMV visit and the manager was never available to speak with me. The representative kept saying she would send another release in the mail to my credit union but this isn't what needs to be done. I only need someone to release the title electronically since it is the state of Florida. Meanwhile, I continue to receive notifications from my current credit union because they haven't received a title yet. It is frustrating and shouldn't take this long for something that literally should only take 24 hours.
Consumer complaint received 2020-03-30
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. (MO)

Please remove the following account, im not responsible for this account nor do i know why or who added me to this account. I'm asking for the credit reporting agencies to remove this account. 

1. XXXX Card Services