davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-07
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. (OR)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2020-11-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

Company continues to try to send me bills for medical debt which i am on medicaid. I provided them the medicaid id number. I am attaching my medical card which shows I have been insured since XX/XX/XXXX. The collection was updated XX/XX/XXXX after providing evidence of insurance.
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (PA)

I requested my free annual credit report from the there agencies on the same date XX/XX/2019. Only XXXX and XXXX provided me copies of my report but not Equifax. This issue also happened last year with Equifax. Equifax does not respond to customer queries or provide a free copy of the annual credit report until a complaint is filed with the consumer protection agency. So I'm now filing this report requesting your help once again.
Consumer complaint received 2021-09-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: JPMORGAN CHASE & CO. (NJ)

Hello, my name is XXXX XXXX. I purchased my car from XXXX as a lease. I then refinanced with Chase Bank. I paid my car off months ago and Im struggling to obtain my title from Chase. Chase has allowed me to drive now with an unregistered vehicle and expired registration because I have yet to obtain my title. Every time I speak to a representative, which is almost on a daily for the past half a year, I continue to get different answers. Months later and I still dont have my title. The last answer I received today was : Chase is unable to find my title, which is extremely unprofessional. I have been a Chase customer for years and I am so disappointed and dissatisfied as a customer. I just need my title. That is all. I can not continue to drive with an unregistered vehicle and an expired registration for any longer. I drive on a daily basis for work. I would truly appreciate if someone can please help me regarding this situation, please! I can be reached at XXXX or via email at XXXX. Thank you so much in advance!
Consumer complaint received 2019-02-26
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)

XXXX XXXX {$230.00} XXXX XX/XX/XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX   {$11000.00} XX/XX/XXXX Accounts do not belong to me Also please remove unauthorized inquires XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX   XX/XX/XXXX
Consumer complaint received 2020-11-04
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: Receivables Performance Management, LLC (OH)

The following accounts listed below are fraudulent accounts and doesn't belong to me. 
They are in violation of FDCPA 805/806/809 and the accounts need to be deleted from my credit report : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX RECEIVABLES PERFORMANCE # XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2019-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

I deposited a large check on XX/XX/XXXX. The teller advised that funds would be available on XX/XX/XXXX. It states this on the deposit slip ( attached ). It is now XX/XX/XXXX and Chase advises me that funds may not be available until XX/XX/XXXX. The check was drawn on XXXX XXXX and I have been advised by them that Chase has received the funds.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capitol One Auto is reporting an account on my consumer reports as a Charge Off. ( Account # XXXX ) that was closed and charged off by the company. Per the IRS anytime a debt is charged off, the company is supposed to issue a 1099c form to the consumer so that the consumer can report this information on their taxes as income. By having to report it as income means this is now considered a debt turned income once the company decided to charge off the debt. Income is not allowed to be reported on any consumer report, therefore the account with Capitol One Auto should not be reporting on any of my consumer reports as any type of charge off account. This is illegal to report. They are tarnishing my reputation and negatively affecting my life. My credit is also negatively affected due to their false and misleading reporting of the alleged accounts hindering me from obtaining any goods and services without being discriminated against due to having negative accounts being reported on my consumer report.
Consumer complaint received 2021-09-17
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. (TX)

How can I have excellent pay history and yet such poor credit scores by only XXXX and Experian? The credit scores & remarks given by these 2 credit monitoring agencies do not accurately reflect the proper history of the credit reports. I have not had a delinquent or derogatory account and yet, both XXXX & Experian cite this as one of the reasons of my low credit score. XXXX and Experian are bound by the laws of the The Fair Credit Reporting Act to report FAIRLY and ACCURATELY which it has not done and has made no effort in making the necessary adjustments to effect this change. In fact they keep lowering my credit scores and due to their adverse reporting, this has negatively affected my credit report since creditors and lenders often go by scores and summaries put out by these credit monitoring agencies rather than scrutinize the actual details of any one credit report. ( XXXX seems to be the only one that seems to be reasonably correct and they use the same calculating module. )
Consumer complaint received 2019-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

Tonight XX/XX/19 I attempted to access my credit report online at XXXX. I have always been able to download and check my credit before. Now XXXX says I must contact them and they will mail it to me!! Shall I tell you how many times the Postal Service has lost or misplaced my mail?!? And they think I will mail sensitive information like my Social Security Number to them? Think again. It is our right to check our credit data. The internet has many complaints from people just like me. What are you doing about it?!?
Consumer complaint received 2023-03-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (NJ)

Sent in duplicate payment, Requested a reverse for the duplicate, payments of. {$2000.00} was submitted on XX/XX/XXXX and XXXX both in amount of {$2000.00}. 
XXXX XXXX XXXX called with me on the line to see if they were able to reverse at that time, they said no. I haven't heard anything since the call to them on XX/XX/XXXX. 
I would like to use one of the duplicate payment for my XXXX Mortgage and since I have had issue with this company prior. I wanted to assure that the payment would go against XXXX
Consumer complaint received 2020-12-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

I have received 3 letters from Resurgent Capital Services alleging I owe {$530.00}.

the last letter sent to me came with a a billing statement dated XX/XX/2013 in the amount of {$120.00} ...

I sent 3 letters to Resurgent stating, I dispute owing any debt to their company and asking for valid proof of debt. All letter were sent Certified Return Mail. 

The letters being sent are harassment as I have to answer each letter and pay to show the letters were received the company and on what date. 

i want the letters of harassment to stop. 

please help.
Consumer complaint received 2022-08-11
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. (FL)

in accordance with the Fair Credit Reporting Act, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX CARD Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account XXXX : XXXX, XXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : 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
Consumer complaint received 2021-03-31
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. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX-XXXX XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-31
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. (TX)

I was looking over my credit report and saw that XXXX XXXX XXXX XXXX was listed on my credit report as a repo/ charged off account in the amount of {$18000.00} for a XXXX XXXX I have never owned or applied for a loan on one. I've contacted the credit bureaus and the company and they say the account is mine, and it is not! I've disputed it several times and nothing gets resolved. I don't know what to do!
Consumer complaint received 2021-09-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AL)

XXXX is stating that I co signed with my mother on a student loan that I did not, all of her loans have been discharged or cleared based on her XXXX  and XXXX  XXXX. Therefore I should not be held responsible for any of her loans, as I've never co signed with her on any of her student loans. I have faxed in documentation as well as sent documentation to XXXX by Certified mail which they are stating they never received yet, based on the tracking information the documents were received by mail. Based on status of fax all documents were received. The account XXXX is on a letter I received on yesterday the XXXX with a loan number of XXXX as being confirmed as accurate. They were not able to locate the account number for the above loan number. I spoke with XXXX on today with XXXX and she stated that they are not showing where they received the fax or letter with all of my information DL, SSC, XXXX letter for my mother, hand written letter from my mother, and a typed letter from me. Where is my information? Problem 1, my social security card is out there with my DL information they claim they do not have, 2, the is information is incorrect, 3 it needs to be removed from my Experian credit report it isn't reporting on any of the other reporting agencies.
Consumer complaint received 2021-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (KS)

On XX/XX/21 I was given a checking account number and routing # to pay off my credit card balance of {$6700.00}. My credit card balance after 3 days showed a {$0.00} balance. I was asked in return to make a XXXX payment on XX/XX/21 to someone for {$6100.00} in the promise that it would be paid with the same checking account that paid off my credit card. On XX/XX/21 the original payment of {$6700.00} was returned as insufficient funds. I was told to send it back through because the bank messed up and there was definitaley money in the account to pay the balance. 
I submitted payment for the XXXX transaction on XX/XX/21 in the amound of {$6100.00}. It was returned as insufficient funds on XX/XX/21. 
I disputed this transaction of {$6100.00} on XX/XX/21. Sent in all of the requested information. 
Received a letter on XX/XX/21 that my dispute had been settled and I was responsible for the transaction of {$6100.00}.
Consumer complaint received 2021-07-02
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. (OH)

I contacted Trans Union about debt collection from XXXX XXXX XXXX that was put on my credit report on XX/XX/2021. I explain to them that debt is invalid because they bought it from another debt company that tried to sue me for the so called debt. I have gave them the case # on the case to show them that the debt was not valid. Almost 30 days go by and Trans Union came back an said debt was valid when the case was dismissed in a municipal court with L.C Rule 12.02 Dismissed without prejudice. So the information they received from Debtor is wrong saying valid is incorrect. Proof will be sent with this complaint.
Consumer complaint received 2020-11-28
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: EQUIFAX, INC. (CA)

I am writing to you to report that I may have been the victim of identity theft. There are certain account activities/ charges on my account which I did not make. Please note that I notified you as soon as I learned of the fraud last Summer and made a report to the FTC and made a Police Report and I will not be responsible for any charges to any accounts fraudulently opened in my name Dear Sir or Madam : I am writing to you to report that I may have been the victim of identity theft. I also would like to share with you the deletions of these accounts on XXXX through XXXX and XXXX. I am requesting the following items be removed on my reports from your companies as XXXX  has done already. 

There are certain account activities/charges on my account which I did not make. I have listed these fraudulent charges below. Please remove these charges along with any finance charges or other charges related to the fraudulent activity. 

Upon completion of your investigation, please alert the appropriate credit bureaus of the correction to my information. 
The following accounts were fraudulently opened in my name. Please close these accounts : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX. 
Please note that I notified you as soon as I learned of the fraud last Summer and made a report to the FTC and made a Police Report and I will not be responsible for any charges to any accounts fraudulently opened in my name. Immediately remove the account ( s ) and inform since it was fraudulent and that it should be removed from my credit profile. 
Do not allow the sell or transfer of any debts related to the fraud and do not report these accounts over to a collection agency. 
Please respond to me in no more than thirty ( 30 ) days of your receipt of this letter. Once you have completed your investigation, please correct all the errors on my reports and provide me with an accurate statement of my account. 

Based on Federal Law ( The Fair Credit Reporting Act ) please immediately send me copies of the following within 30 days : Thank you for your assistance and I look forward to receiving the information requested above at your earliest convenience. 
Sincerely,
Consumer complaint received 2020-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

We have an impound account with Loancare and the Loancare has not paid our property taxes that were due back on XX/XX/XXXX. There is money available to make the payment in our impound account. 

1 ) XX/XX/XXXX we received the notification from XXXX County of the non payment of the property tax. 
2 ) XX/XX/XXXX Loancare was contacted and provided us with an email account to send the property tax bill, the email would not go through and another email address was provided and the email was received. Was informed by Loancare to check back on XX/XX/XXXX. 
3 ) XX/XX/XXXX Loancare was contacted and the payment still had not been paid. 
4 ) XX/XX/XXXX Loancare was contacted and informed us that the property taxes would be paid on XX/XX/XXXX and to check back with them. 
5 ) XX/XX/XXXX. Spoke again to Loancare who indicated that the payment had not been issued. Request a transfer to a manager and after 30 minutes on hold was sent to a voicemail box that would not take a message.
Consumer complaint received 2021-09-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (FL)

Spoke to customer service today XX/XX/2021 to discuss Barclays decision to end the UBER VISA credit card product, which I currently have close to {$50.00} in unredeemed rewards and may be forced to lose them.

Facts : 1 ) BARCLAYS BANK has made the decision to end UBER VISA credit card product ( https : //onemileatatime.com/news/uber-credit-card-discontinued/ ) 2 ) I have earned {$50.00} in " UBER CASH '' rewards for my account ending XXXX UBER VISA CARD. 
3 ) I DO NOT ACCEPT my account being transitioned to a different credit card product that is not UBER VISA. Which BARCLAYS BANK is forcing me to do in order to obtain my {$50.00} rewards. 

Given that BARCLAYS BANK has made a decision to close/discontinue my credit card product where I have already earned rewards of {$50.00} and pending rewards for this current month. BARCLAYS BANK should NOT force me to transition to a new credit card product with subpar benefits much less than my original UBER VISA product benefits ( cashback categories, etc ). 

I do not accept the terms forced upon me by BARCLAYS BANK decision to terminate my current credit card product - or give up my rights to my earned rewards of $ XXXX - I have explicitly requested BARCLAYS BANK to " cash me out '' on my rewards and close the account at the end of the billing cycle - while moving my {$11000.00} revolving credit line to my other barclays account AAdvantage Aviator ending in XXXX
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (NH)

Wells Fargo has engaged in unfair acts and practices in violation of the Consumer Financial Protection Act. Wells Fargo fails to return consumer funds in a timely manner after closing consumer accounts. Wells Fargo engages in the deceptive practice of lying about mailing the check after closing of the account, and then the bank unlawfully withholds consumer funds for 90 days for what it calls a " waiting period '', without recourse, without paying interest, in violation of the law. 

I had a checking account with Wells Fargo with a balance of {$6000.00}. Wells Fargo closed it on XX/XX/2024. Wells Fargo failed to return my money to this day. 

On XX/XX/2024, I visited a Wells Fargo branch and asked for my funds, they said they are unable to do to so and can only mail me the check. I waited for weeks, no check. I called them, they claimed they mailed it but failed to provide me with any tracking info. They sent me a " declaration form '' that I need to sign in order to re-issue the check. The declaration form contains provisions asking the consumer to defend and indemnify them for any legal action involving fraud with the check. This is very oppressive and deceptive practice, since Wells Fargo is asking consumers to shoulder the burden of Wells Fargo 's legal fees, for a check that Wells Fargo negligently failed to provide tracking on. It was Wells Fargo 's responsibility to deliver checks with tracking confirmation to make sure it reaches the consumer. 

On XX/XX/2024, I called Wells Fargo again to inform them I refuse to sign the declaration form, I asked about proof that the check was mailed to me, the rep informed me there is no tracking info and that the check went out regular mail. I was also informed that even if I signed the declaration form, there would be a 90 day " waiting period '' to get the new check. That's when it occurred to me what Wells Fargo is doing : they are lying to consumers about mailing out checks, and keeping consumer funds for 90 days, without recourse, without paying interest. This practice is in violation of banking laws and consumer protection laws. Someone needs to look into Wells Fargo 's illegal practices in order to protect consumers.
Consumer complaint received 2020-05-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC. (VA)

I was contacted XXXX XXXX Services and told that I owe {$380.00} for a past balance to CashNetUSA. While I do remember doing business with CashNetUSA at one point, the amount of money that I owed on that account was {$110.00} according to my records. I am writing a letter to XXXX XXXX XXXX and disputing this amount. I am also placing a complaint with the CFPB because I know that CashNetUSA was involved in Payday Loan Scams. I believe that this is one such scam and I am reporting this issue.
Consumer complaint received 2018-02-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (NC)

On XX/XX/2018, I applied for a mortgage loan and was informed there was a {$2100.00} collection dept on my credit report at which time, I pulled my own credit report and saw the amount was being reported by Capital Accounts. 

Later, on XX/XX/2018, I disputed the amount in collections and the Collection agency as I had not received any letter or contact from them regarding the debt. The disputes were made online with all three credit bureas : XXXX, XXXX, and XXXX. I asked that the debt balance be removed and/or shown as a charge off.