davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-11
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. (NV)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-11
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: AES/PHEAA (AL)

I AM LITERALLY EXHAUSTED FROM DEALING WITH THESE TWO COMPANIES. I have complained and disputed and yet they continue to add false addresses and false social security numbers to my credit report. I wish they would just let my credit report be!
Consumer complaint received 2021-12-17
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 — Their investigation did not fix an error on your report
Company: I.C. System, Inc. (CA)

On XX/XX/2021 I received an alert from XXXX that I.C. System has flagged my account as a Collection. I then sent a dispute to verify the accuracy of this account. On XX/XX/2021 I received an alert from XXXX that my dispute was submitted ( way after the 30 day mark ). I then received an update on XX/XX/2021 that my dispute was closed and that the account was verified. I then asked for a reinvestigation and a notice received that they will not reinvestigate with no explanation at all. I have sent several disputes including copies of the dispute letters that I sent the Collection Agency who has not to this day Validated this account. I am not sure how they verified the account when the creditor will not respond to me. I have sent 4 certified letters to I.C. Systems and even the last one was notarized. I still have not received validation of this account but they are still reporting on my XXXX.
Consumer complaint received 2021-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (IL)

Yes my name is XXXX XXXX and I would like to submit a complaint against chime. As of XX/XX/XXXX I had roughly XXXX in my chime spending account. I had been with the bank for over a year but it hasn't come without costs. As of XX/XX/2021 I had XXXX supposedly. 8 days is all it took for my account to be wiped out basically from unauthorized transaction and activity on my account which I had noticed before and tried reaching out to chime several times whenever my money would just disappear from the running balance. They would deny my claim and wouldn't return my funding or even look into it I feel. I have done my part and notified them immediately of this and they have not honored their liscene with Visa and their zero liability promise as I haven't heard anything about my disputes. Furthermore, you can not reach a live customer service representative only email them that's all. I would like to know why I did everything I was supposed to and my bank didn't look out for me as the consumer and didn't listen whenever I communicated with them my concerns. And if Visa is saying zero liability then someone must be getting that reimbursement because it isn't the consumer.
Consumer complaint received 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I have unauthorized inquiries on my credit report and XXXX XXXX, experian and XXXX want delete them. They are 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 2022-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have unauthorized inquiries on my credit report and trans union, XXXX XXXX XXXX want delete them. They are 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 2021-10-11
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. (WI)

A move was coordinated with XXXX XXXX XXXX XXXX XXXX  ( XXXX, MN ). The company didn't complete the move and I was reimbursed my credit charges by Chase ( XX/XX/XXXX ). After the company sent Chase fraudulent paperwork and an incomplete itemized, they then returned the charges back to my account and stated 'we can't control what the vendor does ' in XX/XX/XXXX even though they had returned the charged. They even received photos of items stored in other states due to the company not completing the hired move, unloading at the wrong location, and being completely inappropriate with my undergarments ( there's even a police report which Chase was aware of ) and the moving company claimed 'it must be one another load ' yet charged for a private one. I went into the XXXX XXXX XXXX location ( XX/XX/XXXX, XXXX ) and they refused to give me my paperwork ( over 6 months of stringing me along to file new information which was able to produce each time ) and stated 'this would be a needle in a haystack then recommended I sue them knowing an attorney would cost about the same as the XXXX owed form in complete services and any item that did arrive was damaged ; my bike even intentionally so. Chase then told me to stop interacting with company as 'they 'd make it right '. They have not and then used 'COVID ' as the excuse for not being able to meet anyone in person. I then went to a XXXX XXXX location and XXXX told me 'you look depressed ' and called customer service whom said they couldn't except my paperwork due to the evidence being 'photos ' yet they were happy to accept fraudulent paperwork from XXXX XXXX XXXX  XXXX XXXX to return the charges to my card which I explained at the XXXX location XXXX XXXX and XXXX. They then told me it was out of my hands and demand I need to make the trip to them again to resolve it. I've stopped there three times. XXXX then handed out my private phone number against my permission and refuses to coordinate check owed or provide the many, many documents Chase has received over the past year so I can file warranted civil suit.
Consumer complaint received 2021-10-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX I notified Chase JP Morgan Bank and made Bank representatives aware that a maintenance worker from the apartment complex XXXX XXXX located in Normal IL, I previously resided at entered my apartment unauthorized to do so, illegally and stole my debit card which is connected to my Chase Checking and Savings Account. 

A Chase telephone representative assured me that my debit card would be cancelled and my account would be put on a freeze until a new debit card was issued via mail. I informed the representative to cancel my debit card and freeze my account, but not to send me another card because of fear it may be stolen again due to this apartment complex having illegal access to my apartment. 
The representative assured me my account would be frozen and debit card cancelled. 

Fast forward on XX/XX/XXXX, XX/XX/XXXX, and XXXX my personnal funds totaling {$20000.00} were stolen out of my Savings Account ending in XXXX and my entire Savings Account depleted to a XXXX balance. 

I immediately notified Chase Bank of what had occurred and questioned them on their negligent behavior in allowing this crime and scam to happen as the account and debit card was not cancelled and frozen as they assured me it would be. I have strong reason to believe the representatives working at the Chase Bank located in XXXX IL committed this act as I had to file a complaint against the Branch Manager. 

I was told to go to the branch where the crime took place and retrieve a print out of my bank statements in addition to a affidavit form to file the complaint and start the investigation process. 
After faxing the required paperwork to Chase personnel, bank representatives continued to play games. 

Upon notifying Chase each representative answering the recorded call gave me misleading information, played phone tag and acted oblivious to the incident of my account being illegally targeted and my funds being stolen. 

I have since filed another complaint and a second investigation with their Executive office, one of which they refuse to resolve this issue. 
It has now been 2 months of constant back and forth with this establishment. 

They will not refund my personnal money even after seeing that I am a victim of fraud and representatives continue to act as if nothing has happened.
Consumer complaint received 2022-08-02
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. (MD)

A Federal Agency is required by law to provide minimum due process not limited to proving the debt is valid and providing for a hearing decision with an appeal process thereafter before reporting derogatory information within a credit file. The Agency has not provided minimum due process. Because a properly and timely requested hearing was never provided for, among several shortcuts and oversights, many rights where not observed and minimum due process was repeatedly violated. The credit reporting Agency was notified of these discrepancies and failed to remove the erroneous premature derogatory reporting from the credit file within investigation XXXX. I notified the credit reporting companies that the Agency must verify the account is mine to include verifying the accuracy of the account and provide a hearing were an additional appeal is available all prior to reporting the account as delinquent. The credit reporting company states the federal agency certified the account was mine with no evidence provided for such determination and the credit reporting company took no position on the derogatory 30 60 and 90 days late reportings despite substantial evidence showing the account has been paid even while pending the active dispute. In addition, the accused also timely requested consideration for a waiver should the hearing decision favor the Agency. The hearing and the waiver requests are both pended thus collection efforts by the Federal Agency to include reporting derogatory reporting are all required to stop until decided and the appeal window has expired as a matter of law.
Consumer complaint received 2021-10-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (TX)

Our home was sold for {$250000.00} on XX/XX/XXXX. We purchased our home XX/XX/XXXX for XXXX. Loancare purchased our loan for {$250000.00} XXXX XXXX. My concern is that In XX/XX/XXXX our principal balance for our home was {$240000.00}. When we did our loan modification because we received a letter that we were behind on our escrow for almost {$10000.00} we were in shock. Our new payments went from {$1900.00} to {$3400.00} within a 2 weeks notice at the end of XX/XX/XXXX and they wanted the first payment of the new amount XX/XX/XXXX. We made one big payment of {$2800.00} XX/XX/XXXX and we came to an agreement to make payments of {$2000.00} for 5 months. This was a modification that they were able to help us with. In XX/XX/XXXX we were able to come to an agreement of monthly payment to {$1900.00} this is where we signed the loan modifications about our monthly payment. But we were not told about the {$72000.00} and how they came up with that number. Of course this being new to us we thought we were being helped to keep our dream home, that we worked hard for. 
In the end this was a downfall because in order to sell our home we needed to pay {$250000.00} almost {$8000.00} more than what we paid for our home initially. I want to know where did all our monthly payments from XXXX XXXX XXXX  go to. I feel like we were cheated and no one from the mortgage company could give me an answer of where all our payments went to and how they came up with {$72000.00} in the partial claim. 
You cant tell us that we made no payments towards are home for the last 4.5yrs.

Can someone please help us with getting answers and trying to figure out how we paid more for closing on our home then when we first purchased it 4yrs ago.
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (AZ)

I attempted to open a checking account with Chase Bank today XX/XX/2022 at approximately XXXX pm Arizona time through Chase Bank 's online application process. It stated that my application was denied and an account could not be open. No explanation was given.
Consumer complaint received 2022-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

This is my THIRD DISPUTE LETTER Recently I reviewed one of my credit reports and notice there were some inaccurate, outdated, and fraudulent information that will need to be removed. Some accounts that are being reported does not have account numbers, which can indicate fraud. I am a victim of identity theft and several of the items on my credit report is not mine. I have also notice items that have been illegally re-aged. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (CA)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Consumer complaint received 2021-10-11
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. (NM)

The reason of my dispute is because account XXXX XXXX XXXX Account # XXXX needs to be deleted because this ACCOUNT IS TOO OLD TO BE ON MY CREDIT REPORT
Consumer complaint received 2021-10-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MI)

Weekly I receive mail from this company Jefferson Capital Systems LLC, Pursuant to 15 USC 1692d ( 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 is in fact a violation. This company has reported a collection account on my consumer credit report as well which has affected my reputation as a consumer, and has not allowed me to use my credit resulting in severe stress. I will file for litigation due to the stress this company has caused me, I will give this company the chance to cease all communication with me through all mediums. In fact I have sent a cease and desist as well as a debt verification which will be attached below, I will also give this company the chance to delete any reporting what so be on any credit reporting bureau involving this account as soon as possible. Jefferson Capital Systems LLC has 30 days from the receipt of my cease and desist and also my debt verification to respond, if no result or response resulting in deletion, so be it litigation is shall be.
Consumer complaint received 2021-10-10
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: MOHELA (NC)

I had two options to select from : subsidized loan and unsubsidized loan. I picked the " unsubsidized loan '' option and received a message saying that I have taken a loan out of Mohela and have to pay it back. It is on my credit report. If I really wanted to pick the subsidized loan, I would have taken the unsubsidized loan as well with it.
Consumer complaint received 2021-12-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (OH)

I AM NOT applying for a new mortgage or refinancing an existing one. 
Rocket Mortgage has called me from XXXX 4 to 5 times a day for the last 4 days. They call while i am driving to work, while i am at work and when i get home from work each day. 
I did not request any information or any quotes. I did not apply for or sign up for any programs through them or their affiliates. The number of calls i am receiving on a daily basis is unacceptable.
Consumer complaint received 2022-04-16
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act The XXXX XXXX Account # XXXX and Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 an account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX and Account # 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 an account without my written instructions.
Consumer complaint received 2021-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (TX)

PNC purchased BBVA and converted all accounts as of XX/XX/XXXX. I have three business accounts and one personal account which all had automatic payments set up and transfers between accounts. First, we had no access to our accounts or money from XXXX PM on XX/XX/XXXX until XXXX AM on XX/XX/XXXX. After two more weeks I finally got access to all my business accounts online and via app but Im still not able to get any access on my personal account. I submitted a signed request form with the bank and nothing was done. The second time I went in to check on it they told me I had to have two signatures and they didnt have a form for that. I also have a loan through them that they can not seem to find now either. I am incurring return payment fees for automatic drafts set up through vendors. Was told that old account numbers would be honored until the end of XXXX but they are not. Told me they can not reimburse any fees at the local branch. Now they want appointments only when I go visit the bank. This entire conversion was a complete mess and they need to own up to the problem. I wish I could sue!
Consumer complaint received 2021-10-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nicholas Financial Inc. (FL)

I sent a letter a while back to Nicholas financial to validate debt and receive no validation. They sent me a letter full of a bunch of propaganda addressing the Fcba. When my letter was specifically about validation company provided no documentation of any contractual agreements nothing bearing my signature indicating I finance this vehicle failure to validate debt and continuing to report is a violation Im asking for removal of account from records