davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-09
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLA Collection Company, Inc. (IN)

Per our conversation a representative from GLA /phone number XXXX, continues to call me numerous of times throughout the day, and when asked about the debt amount the representative was very aggressive, and gave me an an amount that differs from the amount I received in the mail.
Consumer complaint received 2022-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Consumer complaint received 2015-08-07
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (NE)

I have been working with XXXX XXXX XXXX to settle my credit card debt and have been consistently mislead or lied to throughout the process. I recently sent them additional funds to pay off a small ongoing structure and XXXX XXXX relief says the payment will take a full month to be paid. This allows them to charge an extra month of account and payment fees, forcing me to send in another lump sum to cover those fees. If this lump sum takes another month to process, they will hit me with those same fees again next month.
Consumer complaint received 2017-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: I.C. System, Inc. (FL)

I had a phone bill on XX/XX/XXXX when the XXXX send us to XXXX, the account were Paid and closed. XXXX sold this account to multiples collections agencies. Damaged my credit report. I amdispute this account because the credit bureau supposed remove and delete on XX/XX/XXXX. Now I recieve multiples letters threatening me, from differents agencies push me to paid the same account, that the FCRA Law establishes they I get punished for 7 years allready completed by law. They have diferents account thats are not mine. And they said they gona damage my credit againg for the same issue. I am free of this account because they punished me during a lot years.
Consumer complaint received 2017-05-22
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: Experian Information Solutions Inc. (ND)

I received a credit inquiry alert from Experian on  XXXX / XXXX /  XXXX  . The following credit inquiry is fraudulent and unauthorized and do n't belong to me :  XXXX ,  XXXX .  XXXX   XXXX ,  XXXX , OH  XXXX .
Consumer complaint received 2015-09-23
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO. (CO)

I applied for a Chase Slate credit card, advertised as having zero interest on balance transfers. The intent was to transfer a {$20000.00} existing balance. I completed the information online and was informed that I was approved for a {$5000.00} credit line, which I did not want because it was not sufficient to cover the existing balance that I wanted to transfer. I immediately called Chase and they said they would close the account, but it would show as a closed account. It should never show up at all as I would have never accepted this offer. I was never given the opportunity to reject the offer once I got the credit limit, a key term in the agreement.
Consumer complaint received 2016-04-25
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY (CA)

I used Wells Fargo to do a wire transfer of XXXX to a recipient in XXXX. Wells Fargo charged {$35.00} for this service. The recipient received only XXXX. Wells Fargo 's " Combined Disclosure '' document did not disclose that an additional XXXX would be charged, and says " Recipient may receive less due to fees charged by the recipient 's bank and foreign taxes. '' However, the recipient told me that this has never happened with other foreign customers, so I do n't understand how it could be her bank that charged the fee. I have had Wells Fargo open an investigation of where the missing XXXX went, but after two weeks they have no answer for me. WHY DOES THE CFPB ALLOW ANY UNDISCLOSED WIRE TRANSFER FEES? Wells Fargo 's computers know the name and address of the recipient 's bank, so they could also know that bank 's incoming wire transfer fee, if that 's in fact where the XXXX went. If I had known I was paying so much ( {$35.00} + XXXX to send XXXX! ), I would have simply put XXXX in an envelope and mailed the XXXX bills to XXXX. How can anyone wire funds with certainty if banks are allowed to dip in and take whatever they want without disclosing it?
Consumer complaint received 2015-04-01
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

Account is under government payment plan ( HAMP ) and as long as payments are made as agreed, the account must be reported as satisfied to the credit bureaus. I have not missed a payment in the program ( they were all scheduled ahead of time and all have been made ) and Wells Fargo is reporting me 90 days past due to transunion, equifax and experian which is illegal according to the HAMP guidelines.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AL)

I am formally requesting this letter to update the following items in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-11-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified hard inquires accounts : US SM BUSINESS ADMINISTRATION ODA XXXX XXXX XXXX XXXXXXXX XXXX XXXX Also, my current and only address is : XXXX XXXX XXXX XXXX. 
XXXX XXXX, Ga XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX, ga XXXX XXXX XXXX XXXX XXXX, Va XXXX I will list the correct spelling of my name there are multiple name spellings as well those also need to be removed and are not accurate.
Consumer complaint received 2015-05-14
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (MD)

I submitted a claim on XXXX and XXXX against Chase. Claim numbers are XXXX and XXXX. I received a response from Chase but they refuse to send me the credit report they claimed shows that they paid off a loan for me. They sent me a copy of the documents that I already have in my possession. and did not send me any additional information. I requested again the documents that shows what bills, credit cards, loans etc they paid off. I am not satisfied with the answers on both claims. They did not tell me if and why their pulled my credit report.
Consumer complaint received 2016-03-31
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

I applied for a loan modification with Wells Fargo on XXXX XXXX, XXXX. This was n't the first application. I had submitted a previous loan modification the early part of the year but Wells Fargo ' representative declined receiving most supporting documents I had submitted. I then decided to hire a law firm, XXXX XXXX, to help with the process. The representative with XXXX and XXXX submitted a complete loan modification package to Wells Fargo on XXXX XXXX, XXXX. On or about XXXX XXXX, she started to inquire about the status of the application, Wells Fargo 's representatives gave her the run around just like they did me. In the package the representative submitted she listed my gross income to be {$6500.00} per month and provided supporting documents accordingly. Eventually, Wells Fargo submitted a denial letter, listing the reason for the denial as insufficient gross monthly income of {$3500.00}. The amount they listed is {$3000.00}. less than the gross amount we listed on the application. 

I am requesting that Wells Fargo send a letter explaining the reason for listing the incorrect amount. Also, to correct the information and send a letter of approval based on the information the representative at XXXX and XXXX already provided. 

I have submitted a Notice of Error to Wells Fargo. I am attaching this letter to this correspondence
Consumer complaint received 2015-11-12
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (CA)

I am trying to open an American Express Serve prepaid account ( XXXX ). After applying successfully online, I was asked by email to provide additional identity verification documents, at which point I provided images of my US Passport and a recent XXXX credit card statement. I called in to American Express Serve to verify and was told these documents were received properly. I was instructed it would take XXXX hours for review. 

A few hours later, I received two emails, spaced one minute apart ; the first notifying me my Serve account was " locked '', the second stating my account was " suspended '' per Member Agreement, section : XXXX D. 

I called XXXX and spoke to the XXXX team several times but was unable to obtain more information as to why my account could not be opened, or was " suspended '' just hours after my application was submitted. The representatives were unprofessional and terse, just instructing me to refer to the email, which ( attached ) is very sparse in details. Trying to understand why this newly applied-for account was suspended was more challenging as it was difficult to communicate verbally with any of the XXXX representatives. All XXXX were based in the XXXX or XXXX XXXX and spoke with heavily XXXX XXXX, prompting us to frequently have to repeat ourselves and speak slowly. Finally, upon asking for a supervisor, I was first placed on hold for 58 minutes before my phone was devoid power and the line disconnected. The second time I requested a supervisor, I was told s/he was preoccupied and would return my call at a later time, only for me to not receive any calls back. 

Although the representatives were unable to explain the suspension, in reading through section XXXX D of the Member Agreement, there is mention of potential fraudulent or inappropriate activity. Having only applied for the account hours ago and not receiving any card or account number, I have n't had the opportunity to even make use of the XXXX account, much less engage in any activity violating the Member XXXX. 

I 'm not sure what is more bewildering, having my account suspended before I have had an opportunity to open/use it, or the ineptness of the customer service agents. 

I 'm simply looking to open an American Express Serve account to do some XXXX shopping.
Consumer complaint received 2015-10-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

My husband died suddenly in XXXX. We held our house in joint tenancy with rights of survivorship so that the house passed to me directly by action of law, but I was not on our Wells Fargo mortgage. I had been named on all of our previous mortgages, but was not on this XXXX as I was not working when we refinanced and it was more convenient for my husband to take care of it without me. He was only XXXX when he died, and we did not foresee the complications this would cause me. I have been trying to get my name substituted in on the mortgage, but have been told I would have to prove my ability to repay, a months long process which would include a fee. I told the company this was not legal and asked that they speak with my attorney, but they have refused as my deceased husband has not authorized them to speak to my attorney. I have sent them his death certificate as well as a copy of the XXXX XXXX, 2014 CFPB ruling stating that in cases like mine the ability to repay rule is not triggered, and supporting my desire to be added to the mortgage as an obligor without qualification or fee, and all I have got back from them so far is letters to my husband who they know is deceased telling him they are reviewing my inquiry. This little mental gymnastic they are doing is ridiculous and insulting. Also, I think its a pretty neat trick that they feel as if they can do whatever they want and refuse to talk to the attorneys of the people they are wronging while doing it. I think that Wells Fargo is violating my rights and I would like them to be made to act more ethically and sensitively. The letters to my late husband are just the last straw.
Consumer complaint received 2022-08-30
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

CAPITAL ONE AUTO FINANCE HAS BROKE THE LAW! 
Pursuant to 15 USC 1681 ( a ) ( 1 ) The Congress makes the following findings : 15 U.S. Code 1681 ( a ) The banking system is dependent upon my consumer report being fair, and accurate to me. CAPITAL ONE AUTO FINANCE reporting inaccuracies to be furnished on my consumer reports has caused me to lose confidence in the banking system, Inaccurate credit reports directly impair the efficiency of the banking system. 

CFPB, this is my attempt to OFFER OF SETTLEMENT BEFORE LITIGATION for CAPITAL ONE AUTO FINANCE to amicably resolve the continuous violations of the Fair Credit Reporting Act regarding their refusal to stop reporting EXCLUDED items on my consumer credit report. 

Pursuant to 15 USC 1681a ( d ) ( 2 ) ( a ) ( i ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. Those alleged transaction that CAPITAL ONE AUTO FINANCE are reporting, and failed to investigate, whether or not its factually took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights. 

Pursuant to 15 USC 1681a ( 2 ) ( b ) - Any authorization of a specific extension of credit, of a credit card or similar device should be excluded from my consumer credit report. This alleged transaction that CAPITAL ONE AUTO FINANCE clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit card as defined under 15 USC 1602 ( l ). 

I came across a publication on the IRS website in which the IRS defines a charge off as gross or ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of the following Account inaccurate! XXXX
Consumer complaint received 2015-06-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX and I have a check systems claim from JP Morgan Chase Bank on my check systems report for an old checking account I had with them In 2010 that was comprised due to identity theft. They sent me XXXX misc this year to forgive the amount they cclaimed was over drawn but they still have me in check systems for fraud. Someone stole my debit card and attempted to deposit stolen credit card checks into my account I made a police report and they still closed my account and now I ca n't open an account anywhere. Pleas help with this thanks
Consumer complaint received 2023-03-19
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. (IL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Credit Bureau, I am writing to dispute several negative items that appear on my credit report. After reviewing my report, I have found several errors that I believe are affecting my credit score unfairly, and I am requesting that you take appropriate action under the Fair Credit Reporting Act ( FCRA ). 

Firstly, the account listed for XXXX XXXX XXXX with the account number XXXX has questionable information. I request that you provide me with a detailed explanation of this account or delete it from my credit report. 

Secondly, the account listed for XXXX XXXX, XXXX with the account number XXXX has inaccurate information that is damaging my credit score. To the best of my knowledge, this account has never been paid late, and I am requesting that you update this account and delete the inaccurate information immediately. 

Under the FCRA, you are required to investigate any disputed information on my credit report and make corrections if the information is found to be inaccurate, incomplete, or unverifiable. I request that you investigate these errors and make any necessary corrections within 30 days of receiving this letter, as required by law. 

Furthermore, I request that you provide me with a written confirmation of any corrections made to my credit report, as well as a new copy of my credit report reflecting the updated information. 

Thank you for your prompt attention to this matter, as I am confident that you will handle this dispute in accordance with the FCRA and the law. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2016-12-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

Ally has reported XXXX late payments on my credit report. I paid onetime every month using their online payment system. I paid 5 days late one month and was hit with a late charge. called in and spoke with rep that stated she would waive the onetime late fee as a courtesy and to make the regular payment. The fee was never waived and rolled over for months causing it to look like i was late for 8 months. I 've spoken to several reps that stated they would remove the late payment off of my report due to the error but it has not been done yet. I know the calls are monitored and asked for a supervisor to listen to the promise by the rep but i keep getting the run around. my credit is being impacted due to a rep that lied. i made the payments but the fee that was told would be removed was not and now i am being punished due to lack of customer service and responsibility. the information being reported is incorrect.