davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

This is XXXX XXXX XXXX and this complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2018-05-14
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. (VA)

Despite three written requests to Equifax, the unverified items listed below still remain on my credit report in violation of Federal Law. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation and subsequent reinvestigation, Equifax stated in writing that they verified that these items are being reported correctly? Who verified these accounts? Equifax has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore Equifax has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 


Please help
Consumer complaint received 2015-04-01
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (VA)

JPMorgan Chase Bank has locked the electronic access to the account of XXXX XXXX. XXXX has a savings account only. In XXXX, 2015 XXXX and her husband XXXX moved from XXXX, XXXX to enter home XXXX with their son XXXX in XXXX, XXXX. The nearest Chase Bank is XXXX miles away in XXXX. They opened an account at a local XXXX XXXX and, on the advice of a Chase representative, used funds transfer to moved their funds from Chase to XXXX XXXX. These transfers are limited to {$100000.00} per day. After XXXX transfers the electronic access was locked until XXXX of my parents presents themselves at a Chase Branch office ( XXXX miles away ). They are XXXX of traveling a total of XXXX miles. The Chase Operating Loss Prevention Team declined to resolve the issue telephonically although they did send a letter asking us to call so they could " update your account information so you can resubmit the payment. '' My father has a separate checking account so he can access those funds although I expect he will also have trouble accessing his savings account.
Consumer complaint received 2018-12-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (PA)

I was looking to reserve a personal home for a vacation on XX/XX/XXXX-XX/XX/XXXX and I found a space online. I exchanged some emails, phone calls, and a contract with the alleged homeowner and agreed to a {$730.00} rental with a {$300.00} refundable damage deposit. The individual requested I specifically use XXXX to transfer the funds and on XX/XX/18 I transferred {$1000.00} and on XX/XX/18 I transferred the remaining {$35.00}. 

As the weekend approached I reached out to the individual a few times with no luck and I started getting very concerned that I had been frauded. I was able to briefly get in touch with the individual, and asked for a refund per the contract but I was never given a refund nor given the promised accommodations. 

I filed a complaint with PNC bank to dispute the payment but they denied the complaint.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

While XXXX and XXXX have properly fixed this issue, Experian has committed numerous FCRA violations starting with not even ACKNOWLEDGING the certified mailing disputes.
Consumer complaint received 2016-10-14
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

A financial institution sent a direct deposit to an account I owned that has since been closed. Chase bank, subtracted charges they are stating I owed, but will not disclose to me what the charges are. I have good reason to believe the account was not closed properly and Chase continued to assess charges to the account. They sent the remainder of my deposit to a wrong address, and will not initiate a stop payment on the check until I pay to have a document notarized. I feel like they are holding my funds ransom, as well as not being transparent in telling me what the charges of {$190.00} subtracted from my deposit were for.
Consumer complaint received 2022-03-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2016-03-17
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Westlake Services, LLC (TX)

Westlake Financial is reporting to the credit buraeu that I am deliquent on my vehicle which I have not had since XXXX XXXX 2016. They refuse to help me in any way. They will not send ne copies of letters they have sent. They recieved a check from company i traded vehicle in at and failed to process check in a timely manner and are still reporting I am deliquent on account when I am not!
Consumer complaint received 2022-07-24
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. (GA)

In accordance with the Fair Credit Reporting act XXXX. XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, and 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 2022-11-05
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: General Motors Financial Company, Inc. (MD)

In accordance with the fair credit Reporting act XXXX Account # XXXX and GM Financial Account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have a right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2023-02-27
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)

I am writing to make a formal complaint against the credit bureau agency Experian. I have filed disputes online, in writing, and over the phone in XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX, but they have never been resolved they continually report my credit as inaccurate. I filed bankruptcy in XX/XX/XXXX which was finalized on XX/XX/XXXX, I sent Experian all the documentation showing items should be discharged. But they keep reporting incorrectly, when I called the customer service representative was rude and very unknowledgeable. Also, Experian is reporting my credit card balances wrong and they were just updated. Experian keeps reporting the negative information inaccurately and will not remove it. 

Thank you for your time,
Consumer complaint received 2021-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX charge my account in my name with a fraudulent charge and sent it to collections. The charges were not validated, and I didn't permit them to report any debt on my behalf. I need them to provide proof or to removed this from my credit report
Consumer complaint received 2022-07-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paradigm Assets, LLC (CA)

Name on account is XXXX XXXX account number is XXXX debtor is JHPDE Finance I LLC Creditor is XXXX this account was ope fraudulently under my name I have no idea and I have tried to dispute it already with JHPDE.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX {$6500.00} XXXX XXXXXXXX XXXX  $ {$600.00} XXXX XXXX XXXX  XXXX {$150.00} XXXX XXXX  {$280.00} XXXX  XXXX {$470.00} XXXX  XXXX {$0.00} XXXX  XXXX XXXX  {$700.00} XXXX {$0.00} XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX  XXXX {$1500.00} XXXX XXXX  XXXX {$730.00} XXXX XXXX  XXXX {$370.00}
Consumer complaint received 2018-05-14
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. (TN)

I have not received a reply from Equifax as of today XX/XX/XXXX per my complaint filed with cfpb on XX/XX/XXXX. Also upon further personal investigation I have learned directl from XXXX XXXX that Ive been opted out of there system since XX/XX/XXXX. FULL OPT OUT. Meaning no one gets my information not even telemarketers. Therefore how was Equifax able to get any information on me from XXXX and per Equifax reporting date it says XX/XX/XXXX. Also why will Equifax not provide me with detailed verification information as to who they spoke with at XXXX, the method of verification, the day any time of the verification so that I may be able to check behind them myself without having to file suit against them being that this is my 4th request for this information
Consumer complaint received 2016-09-02
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (CA)

I currently have a little lone w/Wilshire Consumer Credit for the amount of {$6900.00} on a XXXX Kia Sportage. I fell behind on two payments and on Tuesday, XX/XX/XXXX my car was repossessed. On Wednesday, XX/XX/XXXX at XXXX, I made a payment via XXXX in the amount of {$1400.00}. Upon making the transaction. I called Wilshire to advised them of the payment and gave them reference number. They confirmed receipt of the payment. I was advised that the release of the account/car can take between 24-48hrs. I have been calling them almost every 3hrs/day to inquire status of the release. They keep telling me it 's till pending. As of this morning at XXXX the release is still pending. It 's now been longer than the 48hrs. They keep telling to call back. I left a VM message for a " supervisor '' and no one has returned my call.
Consumer complaint received 2017-02-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (FL)

BACK IN XXXX OF XXXX I HAD AN ACCOUNT WITH MY GIRLFRIEND AT THE TIME. SHE OVER DRAFTED THE ACCOUNT, DIDNT KNOW THIS AS I HAVENT HAD ANYTHING CONNECTED TO THAT ACCOUNT. IN XXXX I MY SELF OPENED AN ACCOUNT UP WITH TD BANK ONLINE AND EVERYTHING HAS BEEN FINE. YESTERDAY XXXX/XXXX/XXXX, I WENT TO WITHDRAW A CHECK MY GRANDMOTHER HAD GIVEN ME AND TD BANK HAD ME WAIT AN HOUR TO THAN TELL ME THAT THERE WERE GOING TO HOLD MY FUNDS UNLESS I PAID XXXX DOLLARS OF THE OVER DRAFT ON THE CLOSED ACCOUNT FROM LAST YEAR. I THREW A FIT. I AM A FATHER OF XXXX AND THE MONEY IN THE ACCOUNT WAS MY RENT. THEY DID NOT WANT TO HEAR ANYTHING. DIDNT EVEN BOTHER TO OFFER A PAYMENT PLAN OR NOTHING I HAD NO CHOICE BUT TO PAY THE XXXX DOLLARS. NOT ONLY DID THE BANK MANAGER LAUGH AND SAY SHE WAS TAKING MY MONEY BUT DIDNT CARE THAT IT WAS THERE MESS UP TO OPEN UP ANOTHER ACCOUNT FOR ME EVEN THOUGH I SUPPOSEDLY OWED MONEY. I THINK THIS WAS UNFAIR AND OUT RIGHT MESSED UP.
Consumer complaint received 2022-11-05
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. (KY)

I sent a letter to the bureaus on XX/XX/XXXX, requesting that they remove the following accounts and information from my Credit file : 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  ; that are competely UNKNOWN to me. I came across this law today, and according to FCRA 605B ( 15 U.S.C. 1681c-2 ) you must remove and block any accounts or information within 4 business days of the request XX/XX/XXXX. This was already included in my previous Complaints, and I'm including it again.I sent a letter to the bureaus on XX/XX/XXXX, requesting that they remove the following accounts and information from my Credit file : 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  EXPERIAN 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 ; that are completely UNKNOWN to me. I came across this law today, and according to FCRA 605B ( 15 U.S.C. 1681c-2 ) you must remove and block any accounts or information within 4 business days of the request XX/XX/XXXX. This was already included in my previous Complaints, and I'm including it again.
Consumer complaint received 2022-06-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (WV)

I had many transactions happen that were unauthorized and chase bank has repeatedly denied my claims for invalid reasons, there was unusual activity on my account. New logins, and new accounts.some being on the XXXX XXXX then XXXX XXXX within the same hour on the same device. Ive spoke with many supervisors who highlight their findings for the review team, but they still deny my claims. I received a letter saying I would receive temporary credit within 4 days, but when I call to check status of the credits Im told thats a generic letter. Its actually 10 business days.. Even after I reported the transactions ; more were permitted on my account, but I didnt even have a card to make a charge from. Instead of the back team revising my claim to find the fraud : theyre looking for any reason to deny my claim.
Consumer complaint received 2022-06-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (WA)

A new surprise fee of {$1.00} appeared in XXXX on XXXX of XXXX FFEL loans serviced by Nelnet. I have continued to make on-time payments during the pandemic, plus extra payments, as FFEL loans were not paused. 

The servicer suggested the fee may have to do with the original guarantor and/or auto-pay. Auto-pay is set up for the slight interest rate discount, as it should have been for the duration of the loans, but was not. 

There should be no disincentive to use auto-pay and continue the discount. Nor should such a surprise fee, alarm about it, and its removal slow the consolidation underway.
Consumer complaint received 2022-06-18
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. (NC)

In accordance with the Fair Credit Reporting Act 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 2022-03-04
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-05-14
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (AL)

Received written correspondence from Resurgent Capital Services dated XX/XX/XXXX, regarding collection of a non-specified debt. Responded by USPS Cert Mail/Return receipt/adult signature postmarked XX/XX/XXXX challenging validity of collection attempt, requested under FDCPA no further communication with me or 3rd party, etc. ( documentation is provided within this complaint ). Return receipt signed and stamped acknowledgement of same by Resurgent on XX/XX/XXXX. ( documentation being provided within complaint ) In violation of FDCPA, I received correspondence dated XX/XX/XXXX, from Resurgent alleging I had " requested '' a response. Impossible due to the statement contained in paragraph above. 

Responded to this XX/XX/XXXX communication again restating request to not further contact me or any 3rd party, etc. etc. Sent USPS Cert Mail/Return receipt/adult signature postmarked XX/XX/XXXX. Return receipt signed and stamped acknowledgement of same by Resurgent on XX/XX/XXXX. ( documentation is being provided with this complaint ) On XX/XX/XXXX, I accessed my deceased husband 's post office box in another city. I was shocked to discovery correspondence dated addressed to him from Resurgent regarding this attempt at collection. Not only is he deceased and was an attorney I gave no information to this company about him nor any indication that he represented me in this matter. This is a clear violation of my written requests under the FDCPA. 

Therefore I am filing this complaint.
Consumer complaint received 2018-05-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: WELLS FARGO & COMPANY (PA)

I purchase a XXXX  XXXX XXXX and financed it through Wells Fargo dealer services. The purchase price of the car was {$15000.00}, by the end of the sale the total of the loan was for {$20000.00}. Now I'm not certain but that is alot of money for taxes and tags. I only had the car for a year before it got repossessed since I couldn't make the payments of {$410.00} a month. Recently I purchased another car for {$13000.00} and my loan total is {$15000.00} and this is not through Wells Fargo. I'm pretty sure they over charged me for the taxes and finance fees. I've heard that they got sued for this recently too.