davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO. (NY)

Some time ago I issued a cease and desist to XXXX Bank, by law I can. That request was not honored and shortly after I issued complaint no. XXXX, I received a very alarming threating phone call followed by an email from a XXXX Bank representative that refused to identify themselves. Please see attachments. XXXX Bank is in violation of 15 USC 1692 ( d ) - HA debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.

( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 
( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.arassment or abuse.
Consumer complaint received 2021-07-06
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. (NJ)

I did not consent to, authorize, nor benefit from any of the following inquiries. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy and 15 USC 1681b ( f ) reporting inquiries without my authorization or permissible purpose. I would not be going through a FTC report if this was not an error. Please block and remove them immediately : DEPT OF ED Date Opened : XX/XX/XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$250.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Untitled Account Number : XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$510.00}
Consumer complaint received 2021-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

In XXXX of XXXX my XXXX XXXX account was hacked. I had received several bogus emails from XXXX prior to this and I suspect this is how my account was accessed, the emails stated that they closed my account on my request and I tried to answer to say no I had not lost my account. About the same time, I opened a Chase Amazon account to use for XXXX purchases. I was supposed to get a {$100.00} credit, which did not happen either. 

The first month I had this card, the first time I used this card, I received a bill via mail with eight large charges on it totaling around {$2500.00}. In the three decades Ive been a customer of XXXX I have never made this size of charges in one month. I was not able to find a telephone number for customer service at XXXX so I went to the chat line, the woman I spoke with assured me they were not my orders and said they would clear the matter up. Next day I contacted Chase to tell them what happened and said XXXX would be contacting them to settle with their financial department for XXXX. 

I worked with people from XXXX to go through the account. We listed which items I had purchased separate from the large charges and I paid for everything I had ordered and received, this was don via email. The bogus charges were never ordered by me, indeed, I never saw what the merchandise was, only a long list of numbers appeared on the statement. XXXX said the matter was settled and they informed Chase to remove the fraudulent charges. I had already been locked out of my XXXX account. I asked Chase to close the credit card account and not open a new onethey disregarded my instructions and sent a second card. 

A few months later I began to be billed again by Chase via email for all the fraudulent charges. I have talked to them many times, spent hours of my own time, been cutoff, put on hold for so much time that the call drops. I called XXXX once more and spoke to a person who actually apologized for the treatment I had received ( I really thought he would help ). Again, The person reiterated that the purchases were not mine. He said papers had not been filled out and would be taken care of it. Nothing. 

Yesterday I went into a local Chase and they say I did make the purchases because the hackers have my name and address, which I would imagine happens when an account is hacked, I asked whose computer the orders came from, and was told Chase has their own way of checking fraud claims. These charges still are not mineI did not order them, I did not receive them, whatever they are ( on one call the woman asked did I order mens leather pants? ). I see that my credit rating has dropped, but I will not pay for goods that I did not buy. I have been told over and over that someone would get in touch in two days, or one week, it never happens. This has been going on since XXXX! I would think both companies would take their security more seriously but perhaps they are so big they dont care. 

XXXX XXXX
Consumer complaint received 2017-11-19
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 am uploading additional information pertaining to a previous problem I had with information on my credit reports that were showing a bankruptcy. The upload letter is from the bank stating there was no bankruptcy and that Information is to be deleted. However I still have an issue with this credit union because I did not have 2 loans with them. All loans were combined previous loans were paid off in full. This letter states there are 2 separate loans that is completely incorrect. I only had one loan with them that is supposed to be deleted off my credit reports.
Consumer complaint received 2017-11-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SUNTRUST BANKS, INC. (IL)

SunTrust Bank located in XXXX, Nebraska XXXX XXXX. XXXX XXXX has open without my permission account No : XXXX and they issued PIN XXXX. 
SunTrust Bank has opened two more accounts in XXXX, Tennessee XXXX. Accounts ends with number XXXX and XXXX. 
There is now way to talk to SunTrust representative in USA, all calls are redirected to XXXX or other country. 
SunTrust had used my Social Security number and personal information. 
I have never asked or gave permission to open any types of accounts at SunTrust Bank. 
Would you please help me to solve Identity Taft by the SunTrust Bank. 
SunTrust Bank SunTrust Bank XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX, NE XXXX XXXX, TN XXXX Phone XXXX
Consumer complaint received 2021-04-30
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. (VA)

I have been submitting letters to the credit bureaus since XXXX. The last letters I sent in XXXX. TransUnion responded that the account was verified by courts which is untrue because I have letter from court stating they dont give information to credit bureaus. XXXX and XXXX  has yet to respond and its been 30 days but I sent letter to them as well from the bankruptcy court asking also that the information for Bankruptcy be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX TransUnion XXXX. XXXX XXXXXXXX XXXX PA XXXXXXXX
Consumer complaint received 2017-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I call several week ago trying to get a copy of my report and score from. Transunion. I ways told previous that I would have it in 14 days Ike the Monitoring contract said. However, I call back to XXXX XXXX XXXX AL timeask again for my report. I talk to XXXX. She told me it will be 30 days. I want my score and report because they been taking out the money each month. The contract stated 7 to 14 business day. It been over 14 days. I do not know whether they send and someone else have it or if they have not because the employees are hard to understand what I am asking and IIt hard for me to understand what they are saying. My user isXXXX. I paid for both and I want them both.
Consumer complaint received 2015-08-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

There were fraudulent charges made on my account that was n't me and I kept explaining to Bank of America I was n't responsible for these charges and I never write checks. Apparently someone wrote checks in my name that I was unaware about and they were charged to me anyways. I recently paid the account which they told me would come off and never did so they really lied to me about it just to get my money.
Consumer complaint received 2021-07-06
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. (PA)

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$490.00} $ Account Name : DEPT OF ED/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$3500.00} Account Name : DEPT OF ED/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2600.00} Account Name : DEPT OF ED/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1100.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$620.00}
Consumer complaint received 2021-07-06
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. (PA)

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA ) Account Name : XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$490.00} $ Account Name : DEPT OF ED/XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$3500.00} Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$2600.00} Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1100.00} Account Name : XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$620.00}
Consumer complaint received 2018-06-08
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. (MD)

I have reached out to XXXX XXXX over 10 times regarding a previous account that I had with them. I had a XXXX XXXX with them that I aquired in 2010. I paid the vehicle off. After I paid the vehicle off a few months later I applied for credit with them again and was told that I had a past due balance of around {$120.00}. I wasn't sure what that balance was for but I promptly paid it. Now when I review my credit score I see that XXXX XXXX was reporting that account as a collection account. My account was never in collections and they never tried to contact me regarding a balance. They ripped me off and now they are ruining my credit. I will not stop until XXXX XXXX updates my report to reflect my account paid as agreed.
Consumer complaint received 2024-03-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (VA)

I filed a dispute with XXXX on XX/XX/XXXX, I had already sent my documents and a cover letter to XXXX on XX/XX/XXXX, and I have to send also a copy of my ID. 

The Company that the Dispute is against, Jefferson Capital System is an collection for XXXX stating that I owe them {$1200.00}. 
I never owned an XXXX phone, I am a value customer with XXXX XXXX since XX/XX/XXXX. And I am still a value customer. 

My old/previous was : XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX. 
Those other addresses are not mine nor lived at. 

I am requesting that those other addresses be removed from my credit report. 

My current address is : XXXX XXXX XXXX XXXX, XXXX, VA XXXX.
Consumer complaint received 2021-07-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MA)

On XX/XX/2021. I sent a letter, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes. 

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. 

I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-11-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX I visited a Wells Fargo Branch to inquire about my loan balance of {$58000.00} and to find out when my loan type was changed and why I was not notified. The loan officer at the branch stated that they were unable to answer any of my questions and said I would need to call the XXXX number on my statement. I then called the number on my statement and they transferred me to the Home Equity Servicing Operations and the young man that answered referred me to XXXX XXXX but she did not answer and I left her a voicemail stating the reason I was calling. A few days later on XX/XX/XXXX I  received in the mail a Transaction Statement, I reviewed the statement and attempted to call XXXX and left another voicemail stating that I had requested an amortization printout for my loan not a Transaction Statement and I would like to know when did my loan become a Simple Interest Equity Home Loan when my Promissory Note states that it is a 30 year fixed at an interest rate of 7.24 % in the amount of {$65000.00} and the Settlement Statement states a Conventional Loan. I reached out multiple times during the next couple weeks trying to speak with XXXX but without success. I them asked if someone else could help me and he said at this time no and XXXX was out of the office. On XX/XX/XXXX my wife was able to speak with XXXX and she attempted to explain that when Wells Fargo took over our loan they decided that it was best serviced as a Equity Simple Interest loan instead of a Conventional loan. My wife asked her to explain a simple interest loan and she said it 's a type of loan that accrues interest daily from payment to payment not monthly like a conventional loan, at which time my wife asked why were we not notified and got no response. XXXX then stated that she had prepared an ammoritization chart for the account and would be dropping it in the mail but it was only accurate if we brought the account current by XX/XX/XXXX.  After speaking with XXXX my wife relayed to me what had been said at which time I called XXXX myself and asked her why did years go by without any principal being applied to our mortgage even when we paid on the XX/XX/XXXX or within the grace period based on our documentation and she repeated the same thing that she had told my wife at which time I decided to contact my attorney and he suggested that I go ahead and file a complaint. On XX/XX/XXXX we finally recieved a Recalculated Amortization which shows that if we are current by XX/XX/XXXX by the last mortgage payment on XX/XX/XXXX we would have a balloon payment in the amount of {$18000.00} which we did not have in our original documentation, how and why are my questions which she can not provide an acceptable explanation. I am attaching documentation of our Settlement Statement, Promissory Note, Truth-In-Lending Dsiclosure Statement, Transaction Statement and Recalculated Amortization.
Consumer complaint received 2018-06-08
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. (MD)

I have reached out to XXXX XXXX over 10 times regarding a previous account that I had with them. I had a XXXX XXXX with them that I aquired in 2010. I paid the vehicle off. After I paid the vehicle off a few months later I applied for credit with them again and was told that I had a past due balance of around {$120.00}. I wasn't sure what that balance was for but I promptly paid it. Now when I review my credit score I see that XXXX XXXX was reporting that account as a collection account. My account was never in collections and they never tried to contact me regarding a balance. They ripped me off and now they are ruining my credit. I will not stop until XXXX XXXX updates my report to reflect my account paid as agreed.
Consumer complaint received 2017-02-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (GA)

Loan recently transferred to Navient. I am currently experiencing financial and family hardship and attempting to place loans on deference. Told I did not qualify by Navient agent when I called. I filed a complaint with the XXXX and they have not responded. Website difficult to navigate and just leads me around and around in a circle telling me to sign in to my account again and again every time a click a link attempting to navigate to the loan deferment site. I asked Navient through the XXXX to provide paperwork since it is not possible to apply for a deferment online and I have not received that either. I have now been waiting since XX/XX/2017. However, I did receive an email from XXXX from their office of consumer advocate asking me to keep making payments while they check into my complaint which is completely unhelpful due to my current financial in, hardship.
Consumer complaint received 2022-10-05
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2021-10-05
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. (SC)

I have been disputing several inaccuracies on my credit report with Experian over the past year at least with little to no cooperation from Experian. The most recent of which was signed for and received by Experian on XX/XX/2021. That letter requested that Experian either verify or remove the inaccurate items I was disputing in a timely manner as required under the law. 

After allowing more than the 30 days required for Experian to either properly verify or remove these items, as of today, Experian is willfully ignoring my request, refusing to delete these inaccuracies, opting instead to change small bits of information to the already inaccurate items and stating that they have verified the items. With every dispute, Experian responds with a slight change and verified as the result. 

This willful neglect for the law by Experian has greatly impacted my credit score costing myself and my family undo hardship and anguish. I will also be filing a formal complaint with the state attorney general and the FTC against Experian for their blatant refusal to delete information that they are reporting that can not be verified properly by Experian. 

I want these negative items removed immediately as I have given Experian more than enough time to properly address this issue. I have copies of all correspondence sent and received, sent by certified mail with delivery confirmation and signature required. Immediate removal and deletion of these disputed items is demanded immediately.
Consumer complaint received 2021-08-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated (TX)

i have a common name and was told by trXXXX XXXX and XXXX  that sometimes a name and social can be combined to report inaccuracies on somebody credit report. I've been going back and forth for over a year with three particular companies reporting a collection that isn't mine, nor will they show any proof or validation it is mine besides saying its validated. no proof of signature or anything. also when i try to apply for new things i always get that my identity can be verified. its very frustrating to keep going thru this with all three credit bureaus about things that are not mine. everything else on my credit is completely fine but these things. 
XXXX XXXX XXXX XXXX XXXX XXXX