davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-21
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC. (FL)

I was refer to XXXX XXXX from Guarantee Rate Mortgage for a lender. Mr . XXXX wasted three months of my time. I was not told in detail everything I needed to do to be able to receive a preapproval. I was just told I needed to improve my score by two points, I was also  told that I can receive a preapproval for a mortgage loan with a XXXX. Once I receive the XXXX, I was then told I needed two credit lines open. Mr.XXXX  never ran any numbers to try to get me a preapproval, he also would not return my email or calls. I wasted three months of time and was lied too. He is unprofessional. I feel discriminated because of my poor score he didn't take the effort to try to help as a client.
Consumer complaint received 2022-04-05
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : 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
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am a victim of identity theft. First I started getting calls from creditors that were threatening concerning accounts I know nothing about. I decided to look at my credit and noticed addresses I never lived at & fraudulent accounts that don't belong to me. I immediately called the cops to get a report.
Consumer complaint received 2020-10-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I USED MY JPMORGAN CHASE BANK, TRANSFER MONEY SERVICE XXXX. 
MADE A {$480.00} TRANSACTION ON XX/XX/2020, WHICH IT WAS A SCAM, I ASKED MY BANK CHASE TO HELP ME RECOVER MY FUNDS, THEY TOLD ME THE CAN'T.
Consumer complaint received 2020-11-14
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. (FL)

I have loan that was closed by XXXX XXXX  i was in XXXX  and this finance company 's collection agency filed fraudulent judgements saying they served me but i was XXXX  and no one  in my family ever heard from XXXX XXXX  nor collections agency. I sent demand letter to XXXX XXXX collection agency demanding thia account to be removed because of fraud charges and they have removed judgement but exeter is still reporting negative If this account is not removed i will move forward to lawsuit
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

To Consumer Financial Protection Bureau ( CFPB ), I am writing to seek assistance regarding an issue with Chase Bank. In XX/XX/2023, Chase closed my account without any prior warning or explanation. The funds in this account were significant to me, comprising my tuition and living expenses, transferred by my parents from an overseas bank. 

After the account closure, I visited a Chase branch to inquire and was informed that the bank would return my funds via check. However, after waiting for a month and following up multiple times, I received conflicting information about the investigation and the status of the check. Nearly five months have passed, and I have not received my funds. 

As a student without an income, these funds are crucial for my tuition and living expenses. The lack of access to my money has placed a significant burden on me. 

I respectfully request the CFPB 's intervention in resolving this matter with Chase Bank. I need the funds returned and an explanation for the account closure. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Account Number : XXXX
Consumer complaint received 2021-01-25
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. (AL)

It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: WELLS FARGO & COMPANY (TX)

Reference Consumer Financial Protection Bureau case number XXXX. 

I am disputing the charges made to my Wells Fargo credit card account. I did not recognize the charges and asked Wells Fargo to investigate. Wells Fargo claims charges were made by the AUTHORIZED USER. AUTHORIZED USER DENIES making the charges or signing up for add-on credit card services. 

I requested that Wells Fargo produce the full documentation showing that the charges were approved by the Authorized User. Wells Fargo WILL NOT provide proof that the charges were made by the Authorized User. Under Law, Wells Fargo can only hold me liable for {$50.00} UNLESS they prove I authorized the charges.
Consumer complaint received 2024-03-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: WLCC (FL)

I wanted to make a partial prepayment today. They refused to allow a prepayment today even though on the truth of loan states prepayment at any time. I have to wait till next scheduled payment to prepay more. This will incur more interest.
Consumer complaint received 2016-07-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: State Home Mortgage (GA)

State Home Mortgage was in possession of a check in the amount of {$200000.00} payable from XXXX my insurance company for losses my home incurred as a result of a fire XXXX XXXX, 2016. On Thursday XXXX XXXX I received a call informing me that the loan ( XXXX ) was paid off. That decision was made due to miscommunication at State Home Mortgage. 
I did not receive answers to my questions regarding loan pay off ; I did not sign an agreement for pay off, I did not receive an email or phone call providing answers to my questions regarding loan pay off, nor the company 's intent to pay off the loan! 
XX/XX/XXXX, I left a voice mail for XXXX XXXX ( XXXX ) expressing my interest in discussing a loan pay off. I called back within 24 hours and spoke with her. 
Expressing my intent to rebuild the structure, I also posed several questions including pay off amount and role of mortgage company regarding quality assurance. My decision to pay off the loan was contingent upon answers to those questions and more. 
Although XXXX XXXX understood my need to secure answers before making a final decision, she was incapable of providing them, noting the complexity involved in my desire to rebuild and payoff the loan. She eagerly promised to speak with XXXX XXXX and/or others with expertise in the area and call me back later that week. 
Upon notice of the loan 's payoff, I immediately sent emails ( XXXXXXXXXXXX and XXXXXXXXXXXX ) requesting the decision be rescinded with explanation. 
Finally I likewise secured legal counsel.
Consumer complaint received 2015-08-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

This letter is a formal complaint that you are reporting inaccurate credit information. 

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a mortgage, which was highly embarrassing and has negatively impacted my lifestyle. 

With the proof I 'm attaching to this letter, I 'm sure you 'll agree it needs to be removed as soon as possible. 

The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX - Account # XXXXPlease delete the above information as quickly as possible. 
With Attached proof you can see that XXXX XXXX has:1. Changed the account number from the number that is listed on my credit report2. XXXX XXXX is trying to verify an address I never lived XXXX. XXXX XXXX has failed to verify that the account was mine as stated in letter4. XXXX XXXX has no record of application5. XXXX XXXX has failed to remove account after reported identity fraud with fraud reort attached as evidence
Consumer complaint received 2023-01-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc. (FL)

XXXX XXXX is currently trying to collect XXXX in which i am not responsible for. The charges are for unreturned equipment. At this time i was living in XXXX XXXX and was relocating out of state. I informed them of this moved and tried several attempts for them to retrieve their equipment. I then would inform XXXX XXXX that I would drop their equipment off at a nearby location. This location was located in XXXX XXXX  on the corner of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on the corner. I have contacted the creditor, I have contacted XXXX XXXX  directly. I have asked for a breakdown of charges in which I was denied. I also asked in the case that I decided to pay the death, I was not responsible, for if I can have a promise to delete let her in return, in which I was also denied. At this time I am asking for this debt to be removed off of my credit, because I do not feel as if I am responsible. I have reached out to the creditor, and the company itself with no resolution. I have tried to dispute this with the credit bureaus in which the company has stated this amount is accurate. The equipment comes with a barcode that can identify the customer. It's hard to believe that they were not able to locate this equipment to show it was returned. Again, I do not feel I am responsible for this account as I've done everything in my power, and also returned their equipment. As I stated I would before I left the state of Connecticut.
Consumer complaint received 2020-06-24
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. (AL)

There several items reporting inaccurately on my credit file : Incorrect Personal Information : I never lived at XXXX XXXX XXXX XXXX XXXX ( Experian ) Incorrect Status : I was never late on XXXX Open Date : XX/XX/XXXX. Please remove late. ( Experian ) I was never late on XXXX XXXX XXXX ; Open Date : XX/XX/XXXX. Please remove late. ( Experian ) Fraudulent Account or Identity Theft Items : XXXX XXXX  - Open Date : XX/XX/XXXX Bal : {$1900.00} ( XXXX  )
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

I have a HSBC credit card and they are charging me 22.99 % interest rate. I pay the monthly bill on time. My credit rating given to me by XXXX XXXX is XXXX. How can they charge me this high interest rate, especially during a pandemic?? This is interest gouging. I asked them several times to lower the rate, but they said no.
Consumer complaint received 2020-01-21
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SECURITY FINANCE CORP (MS)

Called people that was not on my contact list. I don't even know this person well enough to know their phone numbers and they told this person that I listed them as a reference. Then they told her to have me contact them. They also called my boyfriend that I also did not list on my contact list and told him to have me call them because my account was headed for legal status. That is something he did not need to know. If I wanted him to know all of my personal business I would tell him. That is why he was not on my contact list
Consumer complaint received 2017-07-07
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. (MD)

I have received the results from previous complaint XXXX from TransUnion. In which it seems as though they are in direct violation of FCRA 623 ( a ) ( 3 ) -Responsibilities of the furnishers of the information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
( B ) Time of Notice ( 1 ) The notice required under subparagraph ( A ) shall be provided to the consumer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). <P/>I have also not been forwarded any validation of this debt from the creditor to date. Which I have been disputing for over 8 months. <P/>I am in awe that I have disputed this with your establishment and have not received the adequate justice according to the law. <P/>I have retained a complete dossier on this creditor and complaint. I will next be notifying the Consumer Affairs Division in XXXX, MD should I not receive positive results from this second complaint. I have forwarded to you what I believe is substantial evidence that disputes were made and the appropriate remedies were not performed. <P/>I will again be forwarding to you the same documents and a NEW updated TransUnion credit report.
Consumer complaint received 2020-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Waypoint Resource Group, LLC (FL)

On XX/XX/2020 and XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt they are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded to either of my letters, by providing the required proof. Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (AR)

This company has made an account falsely. I did not open this account. They are a company known for deceptive practices. Feel free to XXXX any class action law suits against them. I have had several accounts through them in the past but this is not one of them. 

They have moved the account from " World Finance Corporation '' to " Personal Credit Plan '' and hurt my credit further as it still shows 2 separate charge offs. This is impacting my ability to purchase a home. 

Both accounts show as a charge off with a write-off. They wrote off this account and it also shows them charging a higher account balance since the original date. An account written off on taxes to a XXXX balance can gain no interest. 

They also stated that I made a payment on or around XXXX of 2015 which is false. 
They are showing other recent and missed payments on this account. 


I need a copy of the original contract with my signature, the transfer documents and the reasoning behind transferring it to your other company. All information submitted in regards to writing this off on taxes as a profit loss. 
As well as proof of all payments that it is showing that I made and from what bank account number. If you don't have the bank account number I will suffice with the info from bank card it was made from with a picture of this card to confirm the identity. 

What have you done is clear violation of the FCRA.
Consumer complaint received 2020-11-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D&A Services, LLC (PA)

I have been making monthly payments faithfully to D & A services LLC. I have asked them to stop harassing me a payment will be made by the XXXX of each month. Each month they call and still leave voice messages This a old debt from XXXX credit card in 2014. 6 yrs later I am harassed monthly. There is a panademic and I still pay monthly. I asked them to stop calling n leaving messages and they continue to call. As long as they get there payment by the XXXX of the month on a old 2014 credit debit why harass me about it. It was said I owed {$1500.00} in 2014. I have made payments monthly and now I owe {$220.00}. I do not understand why all the phone calls daily till the end of the month. 1st call for the month of XXXX came in today XXXX at XXXX XXXX.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a Credit Card with XXXX XXXX XXXX. after nearly 2 years of on time payments i made a payment with a work account which they rejected. No big deal BEFORE the due date i made another payment and not only did they close my account they reported me late on the Credit Bureaus. The payment was made XX/XX/XXXX ironically i made the payment XX/XX/XXXX and payment was not due until XX/XX/XXXX. You can never get anyone on the phone as my account has not been turned over to a " special deparment '' As i type this complaint i have been on hold for nearly 20 minutes trying to make a payment. Practices like this company go unchecked. They have committed an intentional crime not a mistake and i need help getting them to own " their '' mistake and correct my XXXX Transunion and XXXX In conclusion i was just HUNG up on while waiting to make a payment. Thank you
Consumer complaint received 2021-02-23
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AR)

Set up accommodations with XXXX to pay {$35.00} a month only do to COVID19 disaster. i am having a hardship, which was explained to customer service. We agreed on above amount. The amount was taken every month for six months. I spoke to customer service after the six month period to renew again do to hardship. They failed to renew, just placed it for collection instead. Do to the covid19 cares act. I'm asking that this be removed from my credit report. i followed through with making all payments that was asked. This company is also reporting XXXX as late payment. i have proof of XX/XX/2021 payment. also they are reporting an in correct balance. I am requesting original contract. if this information can not be provided. I am asking that the collection be remove. 

also my score dropped XXXX something points because of this. then dropped an addition XXXX points and experian can't explain what happen.
Consumer complaint received 2020-11-14
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

I have been challenging a few accounts listed on my credit report with XXXX, XXXX, and Equifax for the past few months with no avail. 

The first letter from early XX/XX/2020 was sent to all three boroughs asking that they verify the accounts that were listed by providing the legal documents associated with them. They did not provide any documentation verifying the information within the 30-day timeframe, and also marked the investigation as complete. I was advised by XXXX and XXXX that the accounts will remain on the credit report because they had been verified. I sent a follow up letter requesting they explain how they conducted their investigation and it was not responded to. I did not hear back form Equifax at all. 

In addition to that, XXXX refuses to update my account to reflect my correct name, current address, employer, & phone number. I sent a letter early XX/XX/2020 and have also made a follow up call. The representative refused to advise how many addresses they have or where they obtained the information from. When advised that I had no issue with the other boroughs updating that information, the representative stated that it was because XXXX " is the best at what they do '' and " have the most accurate reporting ''. That call ended without my demands being met.
Consumer complaint received 2018-09-18
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: WELLS FARGO & COMPANY (CA)

I never authorized this company to do a hard credit check ( nor soft credit check ) on me / my credit record. It was UNAUTHORIZED. XX/XX/2017 XXXX XXXX. Never heard of this company!!