davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

I have been calling Equifax in order to get a copy of my report. They keep telling me they can not find an account associated with the information I have provided. I have sent in a copy of my social and ID and address to update any old information they have. They received the documents on XX/XX/2021 and still havent updated my information. I keep requesting my credit report and they will not give it to me ...
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (PA)

The account was closed and charged off in XXXX. There is a charge on my credit report that suggests other wise. According to XXXX, I made no payments in XXXX ( because of the charge-off ) except for a payment in XXXX and a payment in XXXX. Then the report states, no payments until XXXX of XXXX. I am very confused as how a payment could have been made on an account which was closed several years earlier. Then a negative report in XXXX of XXXX. This is a fraudulent attempt to collect an expired debt.
Consumer complaint received 2018-07-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NC)

On or about XX/XX/2018, I filed a complaint with the CFPB, case # XXXX against Wells Fargo Bank. 
I received a response from Wells Fargo in the form of a letter dated XX/XX/2018 stating their remedy would consist of a refund of overdraft fees in the amount of {$170.00}. 
Some time passed and I noticed I had not received a check in the mail or a credit to my checking account in the amount of {$170.00} or any credits totaling {$170.00}. 
In the month of XXXX, I contacted Wells Fargo Bank through the Customer Service Department line for checking accounts and was told by the representative that there are no notes or indication that Wells Fargo had made regarding my complaint or the refund of {$170.00} and because there were no notes, I would need to contact the CFPB to resolve. 
I called CFPB and was told I would need to open a new case to resolve the matter.
Consumer complaint received 2018-07-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (GA)

My mortgage was bought by Selene Finance LP last month. My old loan company, XXXX XXXX, was authorized to debit my bank account for the monthly payment. I have received zero correspondence from XXXX, even after XXXX phone calls to the company concerning the transition. I was told that a welcome package would be mailed to my home with the new account number, and I would have to make my first payment via phone, and there after would fill out and submit a form from the welcome packet to authorize Selene to debit my bank account. As to date, XX/XX/2018, I have not received the welcome packet. 
On XX/XX/2018, I was notified by my bank that Selene tried to debt my account for a payment, and that a NSF charge of {$35.00} would be charged to my account, and that Selene was not authorized to debit my account in the first place. 

I am asking Selene be held accountable for an unauthorized charge to my account, and that they refund me the NSF fee that caused by doing so.
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

In recently reviewing my credit report, Ive discovered XXXX discrepancies still being reported on my credit report. I have contacted XXXX XXXX and verified that the payment history on my credit report is inaccurate. I have contacted Experian and sent proof of payment history twice and this information still has not been corrected. There are no late payments for the following dates as I advised Experian and sent proof of on time payments. I have also requested the name of the person Experian spoke with at XXXX, copies of any documentation from XXXX stating payments were made late. As of today I still have not received this information. 
XXXX XXXX No Late Payment for XX/XX/XXXX XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-06-04
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. (TX)

Experian is reporting incorrectly a collection in the amount of {$27000.00} partial account number XXXX. ( Please see page 22 of the attached credit report. ) This account is over 7 years and reporting of this item is a violation of the Fair Credit Reporting Act. This inaccurate reporting is harming my credit score. Please delete this line item from my credit report.
Consumer complaint received 2019-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO. (CA)

Chase sent me an email today with the innocuous title " Important information regarding changes to your Chase account '' ( they often use similar titles for ads and other communications ). 

In it, they force me into binding arbitration ( despite that never being something I had agreed to and never being a part of any contract between me and them ). 

They do include a method to opt out, but have no additional information about the consequences ( many other people I've seen who have had a similar problem are afraid that Chase will close their account if they opt out ) and, even more egregiously, despite Chase simply sending an email doing this, they require me to mail them a letter with my personal information enclosed in order to opt out. 

This is clearly less secure and a massive loss of both my time and money that is clearly being used solely to dissuade people from opting out. 

This is blatant malpractice by Chase.
Consumer complaint received 2018-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

I checked my credit report and noticed a debt with a collection agency XXXX XXXX XXXX. I disputed the debt in XX/XX/2018. I stated I have no knowledge of this account and that I have been a victim of identity theft. On XXXX XXXX the police dropped off a summons showing XXXX XXXX XXXX purchased this debt from XXXX XXXX XXXX who purchased from XXXX XXXX who purchased from XXXX XXXX XXXX who purchased from XXXX XXXX XXXX.
Consumer complaint received 2015-04-22
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This complaint is of a general nature and impacts others, not just myself. On XXXX/XXXXXX/XX/2015 I attempted to place a security freeze with the XXXX credit bureaus, XXXX XXXX and Transunion. With XXXX and XXXX I found the process straightforward and simple. Transunion on the other hand required me to open an account with them in order to place, manage or remove the freeze. With the abundance of accounts and their various insecurities I balked at creating yet another account. Is there any way to advise Transunion that their method only adds to the concerns of users rather that eases them.
Consumer complaint received 2020-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$120.00}
Consumer complaint received 2023-02-02
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. (NY)

I was reviewing my credit report and i am quite upset at the inaccuacies you are reporting in my personal information. 

Under the federal law, you have 30 days from the purpose of this credit repair letter to re-verify these entries. It should be understood that faukure to do so within a thridy- day period constitues reason to promptly delete the information from my file FCRA 15 USC s1681i ( 5 ) ( A ).

Also, pursuant to USC s1681i ( 5 ) ( A ) of the fiar credit reporting act. please notify me when the items have been deleted. 

Immediately remove all negative and inorrent information on my credit report listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX rights XXXX 15 U.S.C 1681 section 602 A. States I have the rights 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 2021-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Payday loan and multiple attempts to cease monthly increase in payments after account has been closed and charged off. XXXX continues to report account and charge additional fees. All three credit bureaus made aware of this. I also called XXXX requesting my tax form for irs. Never emailed as stated by bank rep.incorrect payoff of loan documented not to mention the loan now engulfed to over XXXX with monthly charges since charge off which they have gotten a tax break for? 
Not to mention letters sent to all bureaus for removal due to inaccuracies due to additional monthly fees. All documents are available to show outstanding increases after charge off. 
Due to the false and fraudulent information XXXX continues to report I would like this account removed swiftly from all 3 bureaus.
Consumer complaint received 2020-07-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER BANK, NATIONAL ASSOCIATION (DE)

received an offer in the mail for a {$500.00} credit after opening a XXXX checking account, code XXXX. I entered the info at santanderbank.com/XXXX as instructed, set up an appt to open the account, which was handled in person by XXXX XXXX. He knew of the offer, knew it was the only reason I was opening an account, and still signed me up for an account that was not eligible. He also failed to inform me of a minimum balance requirement until after the fact. At which time I deposited the necessary funds. he said to wait 120 days, then now, in XXXX he told me I wasn't eligible for the credit. I spoke to customer service and they said he ( XXXX ) would need to appeal on my behalf. Which he of course has not done
Consumer complaint received 2021-09-14
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (CA)

I am a XXXX XXXX/XXXX XXXX. I have been greatly affected by the pandemic but have still done my best and managed to pay all my bills. I made my car payment on the XX/XX/2021 for {$540.00} and GM didnt take my payment until the next day XX/XX/XXXX making my payment 30 days late.. XX/XX/XXXX the online payment site was down and for most of the day on XX/XX/XXXX as well making me have to make the payment when the system was available which was the evening of XX/XX/XXXX. At this time the system error twice causing two payments to go through to my bank as well causing an overdraft fee for returned item.
Consumer complaint received 2019-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc. (CO)

I was made aware of an account in my married name of in XX/XX/XXXX through the company XXXX XXXX. This is not an account that I opened, I believe it was opened by my ex-husband in XXXX. In XX/XX/XXXX the account showed up on my credit report as a charged off account. I was trying to refinance my home at this time. I called XXXX XXXX and explained that I never opened account with their company, I never received any of their merchandise and I asked for them to provide me the documentation that they used to open the account. They never provided me with any information and they refused to remove the account from my credit report. My mortgage refinance was stuck because of this issue. I then paid off the account despite the account not being mine. I spoke to XXXX who is a customer service representative at XXXX XXXX and she told me that they would delete the account from my credit report immediately upon me paying off the account balance. I paid the account off in XX/XX/XXXX. Since paying off the account I have called every month to get it removed from my credit report as I was told it would be. Today I spoke with XXXX another customer service representative at XXXX XXXX. She was the third representative that I spoke with today. I had to explain my situation three times before anyone would help me. I explained to XXXX that I was told the account would be deleted once the payment was received. She placed me on a long hold. When she returned to the phone she told me the account will be deleted from my credit report 7 years from the date it was reported despite the account being at a {$0.00} balance and despite me telling them that I did not open the account. I also previously disputed the account. XXXX XXXX never responded with anyone to show that this was my account. I paid them off in good faith that they would remove the account like they promised.
Consumer complaint received 2019-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have personally been affected by several data breaches. I have found several fraudulent accounts on my report and I am requesting the are removed immediately. Information in my credit file that is fraudulent, my identity has been compromise in pass data breaches, Please block these account, I have follow the steps and filed an FTC complaint that is attach to this report. Thank you.
Consumer complaint received 2020-07-19
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. (NY)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX   XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2017-06-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (PA)

XXXX  was in my name in  XXXX . My husband was bouncing my checks, taking money and not paying bills, etc. We transferred the account from my name to his. When I called, the customer service representative told me as long as I opened another account, there would n't be any problems or charges.     The service was not disrupted and they did n't send new equipment or a service man to connect the service. I moved to   XXXX   and turned on  XXXX  in my name again.     There is a collection on my credit report for {$140.00}. I called and they said that I broke a contract but did not send any information to me.  XXXX  told me they were two separate entities after they turned off my service and reconnected it.
Consumer complaint received 2017-08-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (IL)

I was a victim of identity theft. I wrote to the company on XXXX XXXX, 2017 and told the collection agency that I was a victim of ID theft. On XX/XX/XXXX, I got word they reported a collection to the credit bureau and the result I went from a XXXX credit score to XXXX. I have made repeated calls and no help. They informed me that anyone could claim identity theft and that I would either need to pay it or it would stay on my report. I have written another letter today in hopes of resolving matter. I tried to file police report back in XX/XX/XXXX but was met with the attitude that it was n't worth my time. They had bigger crimes to solve. That was disheartening. I am now documenting all my letters so that I can create a chain of evidence. They claim they never got my last letter.
Consumer complaint received 2017-06-07
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: New Century Financial Services, Inc. (NJ)

Date: XXXX /2017 The c  ompany and persons involved are the following ; NEW CENTURY FINANCIAL SERVICES, INC, THE attorneys that are involved are   XXXX   XXXX   XXXX   ,   XXXX   .
They are suing me for a contract dispute, for attending   XXXX   XXXX   XXXX   XXXX  , this school closed down while I was still a student at the school. Their company is suing me for the amount of {$6300.00}. They are attempting to garnish my work wages and other future financial gains I may receive.
Consumer complaint received 2017-01-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi. I wanted to know how to file a complaint about credit inquiries on my Transunion account that. They were removed and then put back on without any notice. From my knowledge, I should have been aware of such circumstances and would like them to be removed again like they were supposed to be. I tried contacting Transunion about this dispute but did not receive any assistance. I would just like all the inquiries removed from my account. 

Please find the inquiries at the bottom of the official credit report uploaded.
Consumer complaint received 2021-03-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P. (DE)

They call me ALL DAY everyday, I have documentation once as early as XXXX and they sometimes go until XXXX  I have not gone a day without repeated phone calls in roughly a year and I just now found out that is not ok and I am looking to report this and do whatever I can to make them stop, I suspect the amounts they are attempting to collect appear to be inaccurate LVNV llc.
Consumer complaint received 2020-07-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

Date : XXXX thru XXXX I have been a Chase customer for over 20 years. Back when it was Washington Mutual and even before then, when it was XXXX XXXX XXXX in the XXXX 's. I'm writing this complaint today to inform you that Chase has closed all my personal & XXXX accounts and also my daughter 's high school account WITHOUT ANY VALID REASON. I was never negative, received NSF fees and had daily transactions on all my accounts. They froze my accounts, had me on hold for 1-3 hours for 2-3 days and they simply said it was a " business decision. '' What  kind of professional answer is that??? I was livid and couldn't understand why. They continued holding on to my funds until they received a letter from the XXXX. A non existing letter because the XXXX doesn't provide personal letters. You might think that is the reason why they closed my account, right? Nope, that's just the reason why they held my funds. I wasn't able to operate any money transactions and the local branch was no help with all their limitations due to the pandemic. They made me wait outside while there were 3 available bankers available. I only know they were available because I can see there empty seats for 2 hours while I was in 100 degree weather. They basically did not want to help and could care less about their customer. A long term loyal one. Needless to say, after 5 hours on the phone with them ( including hold time ) & 6 hours at the branch, I was able to get my funds back. It was one of the most challenging tasks I've ever had to do. I will promise you this, I WILL NEVER BANK WITH CHASE AGAIN nor will I recommend this financial institution to any human being. They really went far & beyond to make sure I stay in the dark and never find out WHY they closed my accounts.
Consumer complaint received 2020-08-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Equifax did not investigate my XXXX XXXX XXXX XXXX it still shows a balance that is incorrect. 

Equifax did not investigate an account on my credit profile for U S Dept of Edn/XXXX that is not my account and I have neve had an account with them