davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

I received an email and text ( XX/XX/year> ) from Chase regarding fraud and that there was a restriction on my account ( both checking and savings ) and that I needed to contact them before my accounts were closed. 

I called them and at that point was made aware that my debit card was closed and after getting transferred 4 times, speaking to the rep was told that Chase was ending their relationship with me and my accounts would be closed in 10 days and I would not be able to open another account with Chase. 

No explanation as to why and not even given a chance to fix what the issue could have been. This has been a huge inconvenience as I do receive my payroll direct deposit into this checking account.
Consumer complaint received 2017-08-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Worldwide Processing Group, LLC (AL)

XXXX Forward movement recovery SCAM Threatens you and family members with arrest if you dont pay. Sometimes they say IRS sometimes they say pay day loan but it is always the same number calling. I do not owe any of these and have asked them to stop calling. They keep calling not only me but family members. They also change the amount owed and who owes it.
Consumer complaint received 2015-12-17
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: NAVY FEDERAL CREDIT UNION (CA)

I was contacted by Navy Federal Credit Union regarding my brother XXXX XXXX because he has a debt with them. The Navy Federal Credit Union employee identified themselves and then asked if I could pass a message onto my brother XXXX XXXX. I told them no, and that I was not XXXX XXXX so they should contact him about this issue. She restated that she just wanted me to pass on a message to him, and I again politely told her no and that they can try to contact him directly. 

I then called Navy Federal Credit Union 's main extension and asked to be transferred to their collections department. I wanted to file a complaint so that there is a record with them that their employee contacted me and solicited me to do something that violates the FDCPA and the TCPA. Once I explained why I wanted to be transferred to that department the customer service representative refused to transfer my call.
Consumer complaint received 2021-03-09
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: FISERV INC. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXXXXXX XXXX XXXXXXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
Consumer complaint received 2022-01-25
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)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

This account is paid and fully satisfied. The history is over two years old and by federal law if an account is paid and fully satisfied if the history is more Than two years old, it must be removed.
Consumer complaint received 2023-03-31
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: ENCORE CAPITAL GROUP INC. (MI)

XX/XX/2021 a collections agency collected a debt that was in dispute of {$460.00}, breaking these laws 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1592C. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX is reporting that several accounts were delinquent at least or more than 90 days. This is completely false. I have contacted XXXX XXXX services and disputed this but they have never made any attempt to correct or validate their error. 

I have one student loan. It was consolidated. There are 6 student loans showing delinquent states on my credit report when I have never ignored or missed any agreed upon payment. In most cases they were processing paperwork for a deferment or did not know the nature of their own student loans. I am an XXXX for the last 18 years and should be eligible for the XXXX  Forgiveness Program but when I call they dont know what I am talking about and transfer me from one department or the other until I have run out of allotted time devoted to this. In some cases this has been over 1 hour. 

My balances, payments and terms are incorrect because of this but they continue to knowingly inaccurately report my student loan. 

I have not been late with them. In regards to their latest reported late payments I applied for the Income Based Repayment plan. While they were processing it they informed me they were placing the loans in deferment status. This was for the months of XXXX, XXXX and XXXX. In XXXX I was approved for the IBR payment plan. I spent an hour with a XXXX  loan person and he promised that I qualified for an immediate loan forgiveness. I also asked " who owns the loan? '' He responded " XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and XXXX XXXX ''. I've been given all these answers from personnel and nothing but derogatory credit is the result. 

I have been unable to purchase a home and have suffered financial injury due to their inaccurate reporting which is in violation of precedent established by the US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. 

They have ignored my disputes and pleas for accuracy. This is violation of FCRA Section 623. 

XXXX and Experian knowingly facilitate this. After failing to achieve effective communication with my loan servicer I have also tried to have these errors corrected directly with Experian, XXXX and XXXX. They continue to do mock investigations and let gross inaccuracies remain on my credit report. This has caused me financial injury and is in violation of FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv-01743 ).
Consumer complaint received 2016-05-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NV)

I applied for a loan modification with ASC. I was not late when I applied for the modification and I was not late on making payments during the modification period or now. I received an approval for a trial modification and was told specifically what amount and what dates the 3 trial payments had to be made to be approved for the loan modification. The letter from ASC was very clear. I called my assigned home preservation specialist and was told that I did not have to make a payment in XX/XX/XXXX ; that I would make my first trial payment in XX/XX/XXXX. I made my payments either on time or early. I was not approved for a HAMP modification in part because my loan was not in default and because my mortgage payments were not delinquent. I was approved for a non-HAMP modification. ASC reported me late to the credit bureaus and as a result the credit card company that I primarily use cut my available credit line down by XXXX %. ASC did not act in good faith and fair dealing with me and their reporting me late to the credit bureaus when I followed their written instructions and the verbal instruction of their representative is a deceptive and harmful business practice.
Consumer complaint received 2022-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (GA)

On XX/XX/2022 I made a payment by way of XXXX through sun trust bank to a person but the name of the person I sent the money to was correct but the phone number was wrong. After calling online banking with Suntrust bank and being on hold for 43 minutes XXXX with online banking told me if I make a mistake on one thing it is up to me to find the person that the money went to and get it back on my own and it is nothing that sun-trust bank can or will do. As of today the money is lost. That number to the suntrust on line banking is XXXX.
Consumer complaint received 2018-06-28
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. (IL)

This is a complaint in response to a previously closed complaint filed on XXXX, reference number XXXX based on a response from Experian on XXXX. 

Original complaint was based on the illegal re-insertion of information into my credit report, without notification of the credit reporting agency as required within five ( 5 ) days of previously disputed information that is invalid. 

In the response to the above referenced complaint, Experian 's official, binding response stated, " We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. According to our records the account number provided in your complaint is not appearing on your Experian credit report. '' However, based on a review of my Experian credit file on the date of their response ( XXXX ) and with re-verification on XXXX, the information they stated is " not appearing on your Experian credit report '' is and has been present on my credit report since before the original complaint was filed. The information was verified directly by a service that is owned and operated by Experian. 

Experian 's response to the complaint is a blatant misrepresentation of the information that is truly present on the report, which represents transmittal of false information to a consumer and refusal to investigate a complaint as required.
Consumer complaint received 2017-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (AZ)

I applied for this credit card on XX/XX/XXXX with the bonus offer that was promised on charges for first year. Offer stated that it expires on XX/XX/XXXX at that time and was even extended til XX/XX/XXXX. I spent about {$500.00} in first month at restaurants and was expecting 10x points to be posted when statement closed. Upon seeing the points not posted properly, contacted American Express customer service. I was then told to wait few more days as it might take couple weeks for bonus points to post. I kept my restaurant spending going as I was still expecting this to be rectified. In middle of XX/XX/XXXX, I  reached out to customer service again and was notified there is no such offer on my account. I was then told that representative will open request with Marketing department and it will take 2-3 weeks  for response. I called again in middle of XX/XX/XXXX as I spend over {$1000.00} at restaurants on this card and bonus was still not posting. I was told Marketing department did not make any updates so offer is not applied. I asked to request Marketing department to look at my case again as I was promised something on website and am not receiving it.I gave them another month and called again in end of XX/XX/XXXX. This time I was told my request was denied and that I was not offered this particular offer even though I clearly applied for the card from the page that has the offer. I asked to speak to supervisor and was told nothing can be done. I was then told that based on my history, I would be offered XXXX points instead of XXXX points I should have gotten. I stopped using the card and decided that American Express did n't deserve my business. I also lost out on 2x points for {$50000.00} as well that i would have spent on the credit card if the offer was extended to me. Thank you.
Consumer complaint received 2016-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (VA)

In my filed complaint BB & T did not answer the following questions. 
How can funds received for on time payment by BB & T get posted and reported as late? See attached XXXX statements. 
1. Explain where did my money go. 
2 Why my payments were not posted correctly to my account as on time payments.
Consumer complaint received 2022-01-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (FL)

This is a Wells Fargo account. I opened and used this account for home improvements. There are two charges : one in XX/XX/XXXX and the other in XX/XX/XXXX. The first charge is interest free with 24 equal payments. The required payment is $ XXXX. I made $ 100 monthly payments up until I made the second charge in XXXX. The required payment went up to {$200.00} ( XXXX + XXXX ). Once the second charge appeared on my bill, I made payments of $ XXXX. My intention was to pay off the first charge before the end of the 24 month period. However, Wells Fargo continues to deduct only the {$95.00} as payment from the {$500.00} I submit. This means that I will NOT payoff the first charge before the 24 month period. I have called and asked that the surplus payments be applied to the first charge and XXXX has flatly refused and they continue to apply the surplus to the second charge. The surplus payment is MY MONEY and since I am already meeting the required monthly payment, as such I should be allowed to designate that surplus of funds ( XXXX ) to whatever charge I want paid. What is so difficult about this? They should be happy I'm making my payments, including extra! Do they think someone paying their charges off early means they won't continue to make payments on the remaining charge balance?! 
My complaint is that since I am making the required minimum payment on both charges, any amount over that ( money I choose to use toward payments ) should go to the charge balance I prefer. Most other credit card companies allow this ( XXXX, XXXX, XXXX, XXXX XXXX ). Wells Fargo has a history of corrupt activity and this " policy '' seems very suspicious. I am literally held hostage tp paying on the first charge for 24 months when I want to pay it off!!! They won't even let me do that! Even if I were to send them today the balance of {$510.00} for the first charge they will apply it all to the second charge. This is not right!
Consumer complaint received 2023-06-30
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

I am writing to express my dissatisfaction and disappointment with regards to the fraudulent charges made on my account. I have put Citi Bank on notice about the fraud on my account XX/XX/18 which I had held with them. I spoke with them and they confirmed that the account has claims of fraud. 

It has come to my attention that Citi Bank did not properly vet this account before selling it to your XXXX XXXX. As a result, I have been left with fraudulent charges that I did not authorize or make. This is unacceptable and has caused me a great deal of financial stress and XXXX. 

In summary, the FTC rules and guidelines prohibit the sale of fraudulent or deceptive goods and services, including debt. Sellers must provide truthful and accurate information about the products they sell and must not make false or misleading claims about their benefits or effectiveness. 

XXXX card account ending in XXXX.
Consumer complaint received 2023-06-30
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: CCS Financial Services, Inc. (OH)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2022-01-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hello, my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
CREDIT REPAIR CONSUMER LAWS : Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!
Consumer complaint received 2018-12-19
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX-30 DAYS LATE XX/XX/XXXX -30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-06-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (AL)

No wells fargo didn't have a right to close my account. Right after they just opened it. They keep saying this because they know their in the wrong for how I was treated. Wells fargo was already well aware of me due XXXX XXXX saying untrue things about me to other employees at the bank. My checking account had been open a year and they weren't exercising their right to close it. Until XXXX XXXX falsely accused me of harassing her. While I was in the bank. I had no idea she was even there at the time. I was done wrong and dirty here. By all who were involved against me at wells fargo. XXXX XXXX needs to insinuate that I'm going in wells fargo bank. This didn't happen outside of wells fargo as XXXX XXXX falsely states. I was made to drive to a wells fargo bank to open a new checking account. All whine un known to be at the time. I was being set up to be falsely arrested at the bank. Because XXXX XXXX does everything she can to put herself around me. When the judge told me to stay away from her. I don't go around them anyways. I can't have a checking account at wells fargo due to problems. I had with XXXX and XXXX XXXX when they lived across the street from me. XXXX XXXX was trying to have be falsely arrested. When she purposely put her self at the bank.
Consumer complaint received 2019-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TX)

I sent a complaint to all three credit bureaus XX/XX/2019. Addressing XXXX XXXX on my credit report. XXXX XXXX Acct # that appears on my credit report is XXXX. My name is inaccurate and the account that is tied to this account is not mine. According to the complaint I filed XX/XX/2019 w/complaint ID # XXXX this account was removed from my credit report. As of XX/XX/2019 it was reported back. The exact same account.