davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-20
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. (VA)

For the past four months, I have asked Experian to report accurate information appearing on my credit report. Experian is reporting three XXXX XXXX Accounts that contain inaccurate information and do not belong to me. Based on the details provided in my credit report regarding these three accounts, I am of the opinion that these are fraudulant accounts. The balances and other key details are inaccurate and inconsistent with any account that I have had with XXXX XXXX. Despite my requests, Experian has failed to comply with FCRA requirements.

I have seven different letters/credit reports from Experian containing different information and updates. Experian has refused to investigate the matter again. I have exhausted every measure and now reaching out to the CFPB for assistance.
Consumer complaint received 2023-07-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (FL)

Notice to XXXX XXXX XXXX, Wells Fargo Chief Financial Officer, I, XXXX XXXX, come in the name of JESUS CHRIST asking you to act in good faith, and provide me with the requested accounting information, in accordance with GOD 's law, Matthew 7:7, ask, and ye shall receive. Please see the attached. Thank you, I come in love, and in good faith. XXXX XXXX All Rights Reserved UCC 1-308.
Consumer complaint received 2015-12-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC (NC)

They continue to call after I 've made a payment on XXXX XXXX and made payment arrangements. Asked them to not call me on Sunday and they call 7 days and week multiple times a day. Then when I call to speak with a Manager they hang up on me.
Consumer complaint received 2022-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CO)

My mortgage with XXXX XXXX XXXX  was sold to Chase in XX/XX/2021. I already had a credit card account with Chase, and because of shoddy web programming I can't sign up for their mortgage web portal. I have had no luck in contacting them by phone, after literally hours on hold, and several calls. I wrote them an email, their response was to ignore my complaint about my mortgage, and put a hold on my credit card. 

The one time I *was* able to reach them by phone, they hung up on me. 

My mortgage bills QUITE CLEARLY STATE : Convenient and easy ways to make your payment : " Enroll in automatic payments at www.chase.com or back of coupon statement Make your payment at XXXX '' I was under the distinct impression it is a violation of Federal law to make false or misleading statements on debt collection instruments.
Consumer complaint received 2019-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I called in today to Chase about something on my CC, and the rep told me that my account was closed. 

First of all, I wasn't notified about this ( they say that they are planning to send a letter, but how am I supposed to know not to use the account? ) But they didn't want to give me any reasoning for it and a fair chance to reopen the account.
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (UT)

On XX/XX/2023 I was victim to a phishing scam and had {$11000.00} fraudulently advanced from my credit card to my checking account and then my entire account balance fraudulently wired out of my bank account. When I talked to XXXX they immediately denied my claim. I then filed a claim with the CFPB ( Complaint ID : XXXX ) as well as with the XXXX ( XXXX ID : XXXX ) both of which XXXX responded to by asking for the full 60 day extension. When I spoke to a XXXX rep regarding the fraud on my credit card, they assured me that it was in my favor and that they wouldn't be charging any interest fees or cash advances while my case was under investigation. 

At the end of the month, I was still charged full interest fees for not only my actual honest balance, but for the additional {$11000.00} cash advance that Wells Fargo acknowledged in writing was fraudulent. I have now written multiple complaints about this to the CFPB with no change in response from Wells Fargo ( complaint ID 's : XXXX, XXXX, and XXXX ) who will not honor their XXXX liability fraud policy and are holding me liable for a balance on my credit card that they have acknowledged is fraudulent in writing. 

Additionally, I sent XXXX letters to Wells Fargo XXXX XXXX as well as the Credit Card XXXX XXXX on XX/XX/2023 to request a chargeback of the fraudulent {$11000.00} as well as an adjustment of my interest payments to what they should have been with only my actual non-fraudulent balance on it. My request for a chargeback and for the adjustment of my interest payments was sent to Wells Fargo on day XXXX of the 60 day period for which disputes can be filed and was received on day XXXX which was Monday XX/XX/2023. As of today, XX/XX/2023, I have received no response. 

Prior to the fraudulent transaction that occurred on XX/XX/2023, I had a balance of approximately {$4800.00}. With the XXXX XXXX APR that comes with my card, I was paying approximately $ XXXX {$70.00} in interest per month. After the fraudulent charge, and a new balance of approx. {$16000.00}, my interest charges have gone up to approximately {$200.00}. 

I am not satisfied with the responses that Wells Fargo has provided so far, as they are still refusing to honor their XXXX liability policy when it comes to fraud and are still holding me liable for a balance on my account that they have already acknowledged multiple times as fraudulent.
Consumer complaint received 2020-08-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A. (MD)

I am writing this to say that I should be able to link my bank account to XXXX. XXXX bas been helping me out for the last three years, now you guys are blocking me from being able to link my account to their website. This is absurd, they took my money and now I cant get it back because you guys arent allowing me to link my bank account to their website.
Consumer complaint received 2020-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have missed XXXX and XXXX on my capital one credit card due to a hardship of health related issues. I haven't missed a payment in the past 3 years as a customer and would just like a forgiveness for the mossed 60 day payments.
Consumer complaint received 2023-07-17
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: NAVY FEDERAL CREDIT UNION (TX)

I have reached out to the creditors for the removal of these fraudulent inquiries on my report and haven't had anything but empty promises to remove. I have also sent a previous FTC report over to XXXX and they suggested to do an updated report to include these inquiries specifically. So I would like to report and remove all inquiries dated XX/XX/2021 ( XXXX ) to XXXX XXXX XXXX ( XXXX XXXX ).
Consumer complaint received 2023-07-17
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. (AZ)

On XX/XX/2022 my wallet and identity were stolen. I immediately file claims with financial institutions affected and as well as all other accounts I have. I obtained a new driver 's license and filed an online police report. I continued and continue to have new inquiries on my credit report even though I have placed a lock on my credit. Somehow the thief continues to be able to have access to my credit. Unknown.
Consumer complaint received 2023-07-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

XX/XX/XXXX Instructed by VA that I could use the services of XXXX XXXX in XXXX GA XX/XX/XXXX Spoke with XXXX at the VA in reference to hospital bill not paid. I was informed there was a billing issue that the reference number and claim number was missing. 
REF # XXXX XXXX Claim Number XXXX XX/XX/XXXX I spoke with XXXX and informed them the billing was incomplete XX/XX/XXXX I discovered the debt on my credit report XX/XX/XXXX disputed claim with XXXX XX/XX/XXXX Called and spoke with XXXX at Medical Data Systems. I tried several times to explain the situation and she refused to listen and understand just kept talking over me and refused assistance. 

XX/XX/XXXX I called the VA and spoke with XXXX and explained the situation with the debt on my credit report. She explained to me that the Doctor was paid with his claim number but well star had not done a complete billing XX/XX/XXXX Called back to Medical Data spoke with XXXX who claimed to be a supervisor. She was basically saying sorry for your luck they didn't seem to care or try but informed me I needed to make payments. 

XX/XX/XXXX Called XXXX spoke with XXXX and explained the situation but was no help. 

I would like this removed from my credit and correct the billing to have the VA pay it.
Consumer complaint received 2023-04-28
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. (CA)

This is a follow up request. Report # XXXX ( 60 days no correction or proof of validation from the businesses ) FCRA Experian has taken longer than time allowed. They said they completed investigation, but by law 15USC1603 ( Transactions Exempt ) 15USC1692e ( False Misleading ) They have not provided any validation and need to remove the following information showing negatively : I made this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. Item Number Company Name Account Number Comments 1. XXXXXXXX XXXX XXXX Account # XXXX - 30 day please delete 2. XXXX - Account # XXXX- Please delete 3 of the 30 day late. 3. XXXX XXXX XXXX Account # XXXX - removing, 30 60/90 late ( This account is no longer open and active ). 4. XXXX XXXX XXXX XXXX remove all 5 late payments 5. XXXX XXXX - The account and late payments are in accurate 6. XXXX XXXXXXXX XXXX XXXX 30 day late payment. They need to show proof and validate what each business provided. I need to see the business documents provided to Experian. Otherwise this is Fraud and needs to be removed, deleted and corrected to show positive.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (SC)

I have called and disputed online the incorrect addresses that continue to show up on my credit report. I have reported these inaccuracies with no resolution. Under FCRA 15 USC 1681 as a federally protected consumer I have a right to fair and accurate information. The following addresses need to be removed from my report as they are non mailable. Additionally as a victim of identity theft more than once and the data hacks that have occurred at all of the credit agencies it is imperative that the only thing listed in my credit file be current information. I know that the credit agencies obtain information from their affiliates and other 3rd parties like themselves but it is my right to say what can and can not be listed on my consumer report. The following addresses need to be removed immediately, XXXXXXXX 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 again these addresses are non mailable and I have a right to fair and accurate information. Additionally the only name that should be listed in/on my credit file is XXXX XXXX XXXX Any other variation is not permitted nor authorized by me.
Consumer complaint received 2023-07-31
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. (FL)

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

NOTICE AND DEMAND Experian and XXXX XXXX is our collaborating together, conspiring to make false claims into the false claims act a {$10000.00} fine being charge daily against this living man depriving my right pursuant to title 18 to 42 the provision of rights a {$10000.00} fine being charged daily against Experian and XXXX XXXX  who continually violate the FDCPA laws and supreme court case law by these false claims creating an every parable event, putting this living breeding man under a state of mind of worry due to their acts under the color of law. I will be seeking to search for their surety bonds in there State at the insurance commissioners office, and put in a claim at the RISK MANAGEMENT state level for damages.
Consumer complaint received 2018-01-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Meade & Associates, Inc. (OH)

On XX/XX/XXXX at approximately noon, I was home with my father eating lunch when Meade and Associates called. I am my father 's power of attorney and caregiver. So, after getting his permission, the lady proceeded to tell me that he had a XXXX XXXXnpaid debt from XXXX Health from XX/XX/XXXX. I proceeded to discuss it with her that I had sent them a check and they refunded it back. She explained that he still owed it. In the end, I decided to pay it over the phone with dad 's debit card. I gave her the number and expiration, etc. She told me that the card went through. She then told me that there would be a {$5.00} charge ( fee ) for paying this over the phone AFTER she took my dad 's card number and running it ( bringing this charge to {$15.00}. ) I agreed to this after the fact because she already had my father 's card number and a stop payment is more money and he owed the {$10.00} anyway. At no time was the fee ever discussed before the card number was taken. She had ample time to tell me in advance. She even read dad 's card number back to me before telling me this with a pause. This is underhanded to explain this after the fact even if it just {$5.00}. So, the only reason I am complaining is of this tactic of extracting more money from my father afterward with no explanation beforehand and no offer to explain to us how we could pay it another way to avoid the fee. However we might have felt about paying this 'convenience ' fee, I bet there is some 'law ' or ethical code that they must disclose such fees in advance of running a debtor 's card number. Our phone number is ( XXXX ) XXXX if someone would like to call us about this.
Consumer complaint received 2023-04-28
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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
Consumer complaint received 2023-07-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP (ID)

I received a phone call stating that I was to be served for a court appearance and when I asked what it was they refused to tell me and said the only thing they could do is give me a phone number. I asked if it was criminal or civil and they refused to tell me. Upon calling ( XXXX ) XXXX I was never given a company name or anything. I verified myself and they told me they were suing me for a debt that they claim was from XXXX  but the account was from XXXX. Its past the 8 year statute in MT and I live in Idaho where the statute is 5 years. They are also claiming the original debt was {$1800.00} is now over {$7000.00}. I asked for the court information and their information and they refused to provide. Havent received any notices from anyone in regards to said debt. Feel very threatened, deceived and intimidated that this company has all my information and the only thing I have is a phone number. Please help
Consumer complaint received 2019-10-09
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (SC)

Hi, I have tried repeatedly for over a year to get the title or something stating there is a lien that I can take to the SCDMV and get the license plates so that I can get my South Carolina tags. 
I personally thought I paid this off in XXXX, at the time I had lost my mother and while taking care of her estate had the mail forwarded to my brothers. So never really thought about it until the tag issue, paid my registration online and carried liability insurance. I never received any phone calls about this or notices. 
When I called North Carolina DMV to get a copy of the title, they told me there is a lien holder Nissan Motor Acceptance Corp since XXXX but when I call Nissan they tell me they sold the loan to XXXX XXXX and will not even discuss the issue just transfer me to XXXX. I get the run around every time with this recovery company. The excuses are my manager is on another call or break and have held on the line for a minimum of 30 minutes each time. This again, happened today so I have no other option than to file this complaint. 
If they sold the loan to XXXX XXXX, why does NCDMV have the lienholder as Nissan Motor Acceptance Corp? 
I would like a resolution if you could help me with this please it would be greatly appreciated. 
Thank you
Consumer complaint received 2023-07-24
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: Prosper Marketplace, Inc. (KY)

Between the month of XX/XX/2023- XX/XX/2023 significant payments were made to my prosper credit card that processed. Later Im told all payments reversed and I owe all past payments. I need to have this removed.
Consumer complaint received 2023-10-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (GA)

I received a letter from American Express dated XX/XX/XXXX  stating, " We wanted to let you know that after a recent review, the credit limit on your account has been reduced to {$1600.00}. The cash advance limit is {$200.00}. '' My credit limit prior to this was {$6000.00}. 
Their reasoning : " We made this decision for the following reason ( s ) : Your XXXX Score ( see below ) * Based on your credit report, you have too many requests for credit '' The reason for the credit request is because I recently did a cash out refinance on my home and had to do some renovations that included new flooring, a new HVAC system, a new water heater, and painting. For these renovations to be done the companies had to finance the work until the cash out funds were available to be used. So, my credit naturally would decrease due to refinancing and open accounts for the renovations to happen. However, most of the accounts have now been paid off and some that have significant payments being made to pay them off soon. I was confident my credit would be restored quickly. 

My complaint is that I have never had an issue with Amex or any of my other creditors at all and for Amex to stalk my credit and simply drop my limit is unfair to say the least. I have never been late, never surpassed my limit, and always stayed within 10 % -30 % of my limit to stay in good standing. I have been an excellent consumer and would have at least like to have been contacted about maybe the reason for the new open accounts. 
Due to American Express dropping my limit they have made my credit score drop even further on top of the temporary drop due to the new accounts. What would have been a temporary drop in credit has now been made even worse by American Express. My score decreased by XXXX points or more. I have proof of this from my credit monitoring platform. 

I tried working this out with Amex first. I first did a chat on XX/XX/XXXX  with American Express and was told the same thing as the letter they sent me and then they tried to do a limit increase request which if course was denied. Then I called on XX/XX/XXXX  to speak to a manager and the solution was to send in my bank statements to appeal. That solution was unacceptable! They did not ask for statements when I opened the account and they did not ask for statements when they dropped the limit. I was then told that they have no authority to override the decision. 
All of this feels like an egregious violation of privacy and consumer discrimination for baseless reasons.