davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-21
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 (NC)

XX/XX/2021, ,Continued Issues,, I Have'nt Heard Anything Thing About These Issues,, Yet,,,,, ,So Far, ,I Received One Piece Of Mail,, About,, The Same Thing That I Shared,, two Weeks Ago, ,What Is Going On???
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2021 and XX/XX/2021, I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 
Because I did not apply for credit with XXXX and XXXX, I have also reached out asking that they remove the inquiry from my credit profile. 
Please launch an investigation into XXXX and XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter.
Consumer complaint received 2021-10-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (MD)

On XX/XX/2021 at XXXX XXXX. this company called my job leaving a detailed description of my debt asking for a call back. 

I could have lost my job. 
My boss says personal calls should not come to that number. The voicemail clearly states it is a hospital environment that XXXX XXXX was calling and he proceeded forward. In Maryland, these debt collector calls to places of employment are illegal. I called and spoke to them a few months back about " stop calling my job '' and they continue to do so.
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2021, XXXX XXXX sent XXXX refunds of {$260.00} each through XXXX to my credit card at Chase Bank. Unfortunately, that credit card had been closed and purged. Also unfortunately, Chase Bank did not reject the funds immediately. They held the funds until XX/XX/XXXX and sent them back to a bank account. Because of the delay, the funds were not connected to me in any way. For months, I have tried to get XXXX XXXX and XXXX to check to see if the reference numbers in the attached document from Chase Bank hit their bank account. So far, both XXXX XXXX and XXXX say they do not have my money. During discussions with customer support in both organizations, I have learned that XXXX XXXX uses a Chase XXXX bank account and XXXX uses a XXXX XXXX account. If Chase Bank would tell me which bank received the funds on XX/XX/XXXX, then I would be able to focus my efforts on getting the correct company to research their accounts. I have attached a copy of a message from Chase Bank in which they gave me reference numbers for the deposits on XX/XX/XXXX. I have also attached a copy of information about the refunds that went through XXXX on XX/XX/XXXX.
Consumer complaint received 2021-10-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO. (TX)

The business is attempting to collect a debt by filing suit against me a insolvent consumer as per 15 USC 1601. I have reason to believe and do so believe that I am the consumer in fact as in relation to 15 USC 1692a ( 3 ) and that I allege I have been furnished deceptive forms of communication in relation to an alleged debt obligation ; Notice, it is a fact that, I have reason to believe and do so believe, I the consumer / origin of credit owe no debt. Notice, I allege that in the matter of account XXXX this new condition for matter of presentment is in dispute for the validity of a debt or to discover if no debt exists. They are damaging me for trying to collect a debt as per 15 USC 1692 ( k ) and furnishing furnishing false and deceptive rules of communication pursuant of 15 USC 1692 ( k ) by claiming I owe a debt. Since no lawful money exist and as per public law 73-10 my ability to pay was taken away and I can not legally ( pay ) a debt with a debt note.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I filed a complaint after discovering that some of my personal information was being used without my permission when I searched for my name on the Internet. My information was obtained by an aggregator website, which advised me to first check the website 's FAQ section and then contact approximately nine separate websites in order to have my information removed. Apart from feeling invaded because I value my privacy, I was humiliated by the fact that I had to request that my belongings be taken. I discovered unauthorized fraudulent accounts on my report and would like those accounts removed and corrected. Remove all negative and bogus accounts from my credit report. This has hampered my ability to obtain credit. I am doing everything I can.
Consumer complaint received 2021-10-21
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. (GA)

I have consistently disputed inaccurate and unverifiable information that is reporting on my credit report and I would like a thorough investigation and immediate deletion! It has really affected my life.
Consumer complaint received 2021-03-12
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: Conn's, Inc. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX  XXXX  CONNS XXXX ... XXXX XXXX XXXX ... XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Good morning i have been sending to the 3 credit bureaus dispute letters since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX about the inaccuracy and incomplete of the accounts they are reporting. i do have proof that i been sending letters and also they have not even ones responded back to me. I have been trying to make sure they correct and delete the inaccurate accounts but they have not even responded back.
Consumer complaint received 2020-06-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (OK)

I applied for mortgage refinance online through chase. After completing it stated a representative would call me. My information entered shows around 95 % financed. I entered this information prior to speaking to an agent. The agent then called and spoke with me over an hour. Prior to pulling my credit chase knew I didnt qualify due to an XX/XX/2020 decision to only accept XXXX credit scores and 20 % down. I have XXXX credit score and only 5 % down. Chase knew I had only 5 % but continued to proceed without telling me I didnt qualify. Then chase pulled my credit conforming I had XXXX credit. The agent then put me on a series of long holds and then informs me I dont qualify for a mortgage because I dont have 20 % down. Again a hard inquiry on my report. Chase knew I didnt qualify and intentionally harmed my credit by pulling my report. Again, the issue isnt my credit score but the amount or percent financed.

Chase executive office is stating I dont qualify due to credit but this is false. I dont qualify due to 20 % down that chase saw before pulling my credit.
Consumer complaint received 2019-02-05
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have sent multiple letters to XXXX, Equifax and XXXX requesting that they properly verify and conduct a reasonable investigation of a erroneous reported account on my credit report. They have stated that it was updated, but I have not received anything that proves there was an investigation and that the report is accurate. I also requested validation from XXXX XXXX, and they failed to properly validate the disputed late payments. 

XXXX XXXX XXXX XXXX Account # XXXX erroneously reported 30 days late in XX/XX/2018, 60 days late XX/XX/2018 and 60 days late in XX/XX/2018. These payments were made on time and were erroneously reported late due to carryover fees after the account had been paid to a XXXX balance. I called and discussed this error with XXXX XXXX XXXX XXXX  and was told on several occasions that the errors reporting would be reversed with the credit bureaus. I was told that this information was on a recorded line and would be made available for confirmation. I have followed up with XXXX XXXX XXXX XXXX and they have not done what was promised via the phone conversations.
Consumer complaint received 2023-03-08
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)

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 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 THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN SEVEN YEARS.

15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2021-10-21
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. (NC)

My credit report was obtained by companies I didn't authorize nor benefit from. There are multiple violations within pulling my credit report without my authorization including the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer or Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I would like the fraudulent inquiries removed off of my credit report immediately. I feel as if I am being taken advantage of and mistreated as a consumer.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HYUNDAI CAPITAL AMERICA (IL)

I purchased a car from XXXX XXXX XXXX for a cash price. after the purchase was completed I received letters in the mail about financing a car. I never financed a car and I also did not give anyone permission to use my credit
Consumer complaint received 2021-10-21
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: Chime Financial Inc (SC)

On XX/XX/21 I received a charge for a service which was not completed. I sent in the cancellation text and I also sent in proof of the work not being completed. Chime did an investigation and then sent back only a receipt for the service. I then forwarded the conversation between the business owner and myself to chime where it was also stated that one of the services weren't being charged. I was still charged for extra services even with the services never being rendered. I have submitted two more disputes and have not had my issue resolved.
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Under the truth in lending act it is required by federal law pursuant to 15 USC 1602 ( v ) to provide me with Material Disclosures ( v ) - The term material disclosures means the disclosure, as REQUIRED by this subchapter ( which is TILA ) the method of determining the finance charge, the balance upon which a finance charge will be imposed and the amount of the finance charge. Per federal law as you can see from the definition I have provided, states it is required you disclose this information with me.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I called XXXX Equifax and XXXX  about the problem and each consumer about the credit inquiries no one can give me accurate information on when and who ran my credit report without my permission
Consumer complaint received 2021-10-21
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Onity Group Inc. (SC)

This is XXXX XXXX Formerly of XXXX XXXX XXXX XXXX MD. 

We have repeatedly asked Ocwen and also have let them know that there was a second mortgage modification program in place if your first mortgage is modified and ours was and also Ocwen owned the first mortgage also. 

Ocwen will not respond to my question about the modification on the second mortgage.I am asking Ocwen again to please communicate and they choose not to. 
I am not looking for response by email I am requiring live contact by phone or in person. 
I have a XXXX and my sight is affected by the blue light on computers. 

Respectfully, XXXX XXXX
Consumer complaint received 2021-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (IL)

This company is attempting to collect a debt of {$280.00} according to my XXXX credit file. No one has attempted to reach out to me at all to verify the debt or to have any knowledge of it at all. I have not done business with you company at all and I believe it is quite unfair to put something on my credit file that is NOT MINES. May I ask what your method of verification was. Please tell me what information you have to say this debt is for sure mines. If and when you can not verify this debt then please remove this as soon as possible. Please tell me what information you have to say this debt is for sure mines.
Consumer complaint received 2024-02-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (PA)

This will be the second time that this has happened to me. Some one purchased a phone through XXXX XXXX XXXX ( not my cellphone provider ) by using my SSN. They let the monthly payments lapse which was then sent to a debt collector. The debt collector thinking it was me then put a mark on my credit report as a delinquet payment. The amount is the same as the first time {$1300.00}. This has been going on at XXXX XXXX XXXX for over a decade now and still no uptick in their security. The debt collector company is I.C. Systems. Inc
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Name : XXXX XXXX XXXX Address : : XXXX XXXX XXXX XXXX XXXX, CA XXXX Dear Experian I have previously disputed this item with you US BKPT CA XXXX XXXX Docket # XXXX and in response you verified the item as accurate, stating that you have verified the information with the court. I have contacted the court and their response is enclosed. It is very clear that They do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C. 1681i ) and the information must be deleted immediately. 

I have attached the Court Response letter regarding the method of verification of a Bankruptcy and I also have attached the letter that I have received from XXXX stating that the Bankruptcy was removed from my credit file.
Consumer complaint received 2021-10-21
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/2021 did a transfer for XXXX tried to stop the transfer that day but was told I had to call back in 3 days in order for the transfer to be canceled and then I was told that they couldnt do nothing but a reversal and still was denied my money back after submitting numerous amounts of calls
Consumer complaint received 2021-10-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (SC)

My original debt is with XXXX. They charged me unwarranted early termination fees when I moved from MI to XXXX in 2018. I stayed in an XXXX until I purchased my home XX/XX/2018 at XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. XXXX did not service my area. I've tried to dispute these charges and they sent the balance to collections ; Convergent Outsourcing , Inc.. I have contacted XXXX to try and pay the balance and was unable because it's sent to collections. I was told to contact Convergent Outsourcing Inc, I did and they are a credit repair company that will only allow me to pay {$190.00} now to remove the collections from my credit reports PLUS {$99.00} per month of service for a 3 month minimum. This is not okay, I do not need their services. XXXX should not have charged me early termination fees until I was at a permanent address allowing me an opportunity to start services at the new address. Because XXXX didn't offer service in my area these charges should be removed. I should not be forced to pay for credit repair services of almost {$500.00} in order to remove the collection of {$290.00} from my credit report. This should be illegal.
Consumer complaint received 2023-03-08
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. (TX)

This is XXXX XXXX and I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report. Please take a good look at the following items reporting on my XXXX File : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance XXXX {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$190.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} 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  I have read that under the Fair Credit reporting Act section 605b, you are required by Federal law to remove and block any accounts and information that resulted due to to identity theft. So please do so.