davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-30
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: EQUIFAX, INC. (LA)

This is my second time filing a complaint since XX/XX/2021 due to the reporting agency not doing their jobs by truly investigating inaccurate information on my credit report and they are refusing to remove the errors or provide my signature or contracts holding there of. This is violating my consumer rights and its causing me financial hardship.
Consumer complaint received 2021-09-14
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. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the XXXX. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2020-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Ovation Financial Services, LLC (MI)

OVATION : I paid {$100.00} a month for 3 months with little results so I stopped payment and went to XXXX XXXX  who charged me {$60.00} and now wants {$60.00} a month and I am being turned down for loans and only can get a {$300.00} credit card as I have an outstanding credit card I am trying to save to pay off of {$1400.00}. 

Sincerely XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-07-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank has closed my checking account based on a review by its fraud department in which a questionable check had been deposited for review and found to be a fake check Further discussion with the department went with why i had been receiving large deposits for example from new busininess government loans and used to send overseas. No fact was allowed to be seen just the opinion by bank fraud officers that my activity is considered fraudulent with no actual facts to back such decision Check proved to be fake and confiscated and i received no money from it. Account is now closed and i am told bank will no longer accept my application for new account Mere opinion by bank officers should not be sufficient reason for closure and my sensure as bad guy dates of activity XX/XX/2021 several dates
Consumer complaint received 2021-07-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I am identifying myself as a consumer. According to my consumer rights I am requesting debt validation of all of my all the student loans on my credit file. If the original contract with my wet signature is not provided then the accounts should be removed from my credit file!
Consumer complaint received 2021-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (TN)

My student loans had gone in default and were transferred to a collection company- back in XXXX  I setup a payment plan to bring those out of default but the old information still shows on my credit report. In addition that company helped me consolidate my debt owed to middle XXXX XXXX XXXX into my loans that are out of default and back to being processed through Great Lakes and are currently deferred due to Covid 19. The XXXX old account information still shows on my report as well. This year I submitted a new fasfa and tried to reenroll at XXXX. I was told I still owed that account balance that I had thought was consolidated so I paid it to the school in order to enroll. After I submitted a complaint with you I noticed my consolidated loan balance went to XXXX rather than XXXX refunding the money to me during a current hardship as a single mother. I decided not to reenroll at the college due to a multitude of troubles that I endured while registering and with the financial aid awards being different than what I had been told in correspondence from fasfa. All the old holders of my loans before transferred or while in default are still showing also.
Consumer complaint received 2022-08-11
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: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX I noticed fraudulent transactions in my Wells Fargo credit card. I received a text message on XX/XX/XXXX regarding a transaction " XXXX XXXX '' for XXXX, I instantly called Wells Fargo regarding these fraudulent charges. They said they would give me a new card. However, several more transactions continue to be processed for weeks, even when Wells Fargo switch my credit card account. They continue to allow interest charges on the account then after a few weeks with no resolution I closed the account ( before I did the Wells Fargo representative told me it wouldn't affect my Credit Score but it did ). Afterwards, the account was frozen and Wells Fargo credited, supposedly, credited all fraudulent charges. In XX/XX/XXXX, I contacted Wells Fargo regarding the balance I needed to pay. They stated that I owed XXXX, asked what/why are those my charges yet no one in Wells Fargo ever answered my question and advised me for months to not pay the balance since it was still being reviewed. Now Wells Fargo Executive Team is failing to contact me and resolve this situation regarding where the amount of transactions are coming from and remove interest/late charges since Wells Fargo employees insisted that I not pay every month, which has also negatively affected my credit score.
Consumer complaint received 2021-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NV)

I have over a 90 day period dispute these account to remove accounts with credit bureaus. Due to many inaccuracies. I sent a demand to comply letter. My letter to the Credit bureau have gone unaddressed within 30 days. The credit company is not complying with their own policies in a timely manner. I need accounts ( see attachments ) to be removed from my credit profile immediately.
Consumer complaint received 2021-09-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (NJ)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2021-09-14
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: T.S. Holdings (NC)

Since XXXX XXXX I have communicated with all 3 credit bureaus that these accounts are fraudulent. I have filed an FTC report and still remain unheard with no success. I have taken several necessary steps and even reached out to Furnishers themselves. I have disputed again on XX/XX/2021. Finally An FTC report was filed on XXXX XXXX. I have been told an investigation has been verified. However, when I continue to contact them with proof and request that these accounts be removed I am told that this will be looked into. This has put a halt on acquiring new credit and it is putting a major hinderance on my ability to support my family.
Consumer complaint received 2021-07-30
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mortgage Connect LP (MA)

I, XXXX XXXX, entered a consumer credit transaction on XX/XX/2021 with Mortgage Connect, LP who is utilizing XXXX XXXX Loans to service their " loan ''. A consumer credit transaction in which a finance charge was involved. 15 U.S. Code 1605 defines a finance charge to be the sum of all charges and include insurance, but Mortgage Connect, LP made me purchase insurance separately.

Furthermore, Mortgage Connect, LP, did not disclose all that was supposed to be disclosed to me during the consumer credit transaction including my right of rescission pursuant to 15 U.S. Code 1635 which states When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission.

Furthermore, pursuant to 15 U.S. Code 1635 ( b ) : within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. 

Attached below, my rescission notice dated XX/XX/2021.
Consumer complaint received 2021-07-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO. (NY)

On approximately XX/XX/XXXX I was involved in a motor vehicle accident and the vehicle was deemed a total loss. My insurance carrier, XXXX sent a payment to Chase in the amount of {$8800.00}. The check was cashed and applied to my account on XX/XX/XXXX. Unfortunately GAP, which in NY state is required by law deemed the vehicle under valued and requested a valuation and breakdown of the vehicle. That was sent on XX/XX/XXXX to Chase and forwarded to the GAP supervisor, named XXXX. He was forwarded this information XX/XX/XXXX and on XX/XX/XXXX. He has yet to review the paperwork and approve the settlement so the case can be closed. I am still making payments on the loan and at this point I am due a refund. This mva occurred in XXXX and we are a few days shy of XXXX. A quick resolution is imperative.
Consumer complaint received 2022-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/2022, i discovered that the check that i has sent to pay my property taxes never arrived to the Tax Collector. 

Check amount : {$1.00}, XXXX- Chase Bank- check number XXXX in fact the check was stolen, altered and cashed by another Chase customer, in my own neighborhood branch. This information was given by Chase customer service when i filed a claim. the first name on the check was whitened out, replaced and the last name of the Tax collector was changed. 

Chase knows who cashed the check : the woman is one of their local client ( same branch i filed a claim into ). But, under pretext of privacy, Chase does not want to take any action because, according to their rule, the time limit for complain is over.

they are helping a thief instead of a senior and honest customer.

i have tried numerous avenues, claims with Chase, filing with the police and then Sheriff nothing worked yet what can you do?

WHAT IS THE FEDERAL RULE? the sheriff told me that the bank is responsible, having to check, verify the order of the check, before paying it, especially for such an amount. 

thank you
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Real Time Group, Inc. (AZ)

In XXXX, Due to separation and divorce we were unable to keep or sale our home which resulted in a foreclosure with our home being sold at a Trustees sale in XXXX. As common with any foreclosure, the awarded sum did not fully cover the loan amounts. Because Arizona is an anti-deficiency state ( A.R.S. 33/814 ( G ), the amount not covered was charge off/discharged. In XXXX of this year, XXXX, I discovered via my credit monitoring site that Real Time Resolutions was coming after us for the deficient amount of the 2nd mortgage balance. This was very suprising and concerning as I had put this unfortunate event behind me as it had been nearly 5 years after the fact. In my panic, worry, and collection ignorance, I reached out to Real Time Resolutions and paid the sum they agreed to for settlement of the account. I am filing this complaint as I am currently trying to purchase a new home and due to how this updated on my credit and impacted my credit standing the the credit bureaus. Real Time Resolutions is a licensed collection company, not a mortgage loan provider. They used the exact account number as my 2nd mortgage servicer from XXXX for their collection tradeline which updated the mortgage to a current time negative status, which has voided my foreclosure seasoning to purchase. This is clearly a violation of the FTC 's FDCRA. Due to erroneous/deceptive collection tactics and practices, this tradeline needs to be removed from my credit profile with the credit bureaus.
Consumer complaint received 2021-07-30
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. (IL)

On XX/XX/2021 XXXX XXXX received a Cease and Deist by certified mail. Attached is the proof of delivery, cease and desist and invoice. XXXX XXXX is to cease and desist all forms of communication with me through all mediums. A consumer report is in fact a medium. And by reporting the account it is a indirect communication. By not deleting my account from all credit reports, XXXX XXXX is in direct violation of my Cease and Desist.
Consumer complaint received 2021-07-30
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. (SC)

Equifax is reporting a unauthorized collection account on my consumer report. I did not consent to this item XXXX XXXX XXXX XXXX placed on my consumer report. My consumer report is my privacy and I feel i'm being taken advantage of and its embarrassing when I apply for credit and potential creditors see this unauthorized collection there.
Consumer complaint received 2021-07-30
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. (MO)

XX/XX/2021 I was charged on my Amazon Chase card {$13.00} for XXXX XXXX which I had canceled in XXXX. I disputed it XX/XX/2021 I cancelled XXXX XXXX again XX/XX/2021 Prime was started again ( I did not do this ) XX/XX/XXXX I cancelled XXXX XXXX again XX/XX/XXXX XXXX was started again XX/XX/XXXX I cancelled XXXX XXXX. I also called both Chase and cancelled the card and called XXXX and cancelled XXXX over the phone. 
XX/XX/2021 I received a letter that I owed Chase {$13.00} on the XXXX XXXX card I have changed all passwords on both XXXX  and cut up the credit card. It just won't go away and I don't want it to wreck my credit. 
XXXX
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (FL)

On XX/XX/XXXX, a disputed apartment rental account for {$740.00} was resolved in my favor as the apartment management company could not prove that the amount they stated I owed for carpet repair was true and correct. I was also charged a rental late fee at time of move out. This was a final payment, not a regular rent payment which I had to mail and did so the last day that the apartment was in my name in XX/XX/XXXX. I moved out XXXX XX/XX/XXXX and they acknowledged receiving payment on XXXX XX/XX/XXXX. I had to mail this payment as I am military member and was on PCS orders at that time and was not in the local area. I eventually paid the {$95.00} balance on account to avoid affecting my security clearance although I still dispute that amount as well. My credit report and rental record still erroneously reflect the full balance of the {$740.00} as a collection account. The account balance is wrong and I paid what was owed which was {$95.00}. Transworld needs to update the original amount owed on my credit report to {$95.00} as that what was actually owed. The {$740.00} original balance was erroneous, wrong, and incorrect as it was disputed and acknowledged as such.
Consumer complaint received 2021-09-14
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: The CMI Group, Inc. (NC)

Since XX/XX/2021 I have communicated with all 3 credit bureaus that these accounts are fraudulent. I have filed an FTC report and still remain unheard with no success. I have taken several necessary steps and even reached out to Furnishers themselves. I have disputed again on XX/XX/2021. Finally An FTC report was filed on XX/XX/2021. I have been told an investigation has been verified. However, when I continue to contact them with proof and request that these accounts be removed I am told that this will be looked into. This has put a halt on acquiring new credit and it is putting a major hinderance on my ability to support my family.
Consumer complaint received 2021-07-30
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. (NC)

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 XXXX 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. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Last 4 of Social Security # XXXX
Consumer complaint received 2019-04-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (GA)

On XX/XX/2018, Ally Financial started a loan on a brand new car for {$22000.00}. Then on XX/XX/2018, Ally Financial approved a second car in my name for {$28000.00}. Total payments of {$940.00} a month. My monthly income is less than this amount. I contacted Ally and told them that the first car needed to be put in my daughter 's name so the pointed me to the online application. I sent it to my daughter but the fact remains that the car she is driving is in my name. She has done nothing to get the car in her name, so in the meantime, Ally is calling me seven times a day because she has not made one payment. 
Every month there is something going on with the car I drive the most recent is the tag. I can not get a permanent tag because the dealer has not completed their paperwork for the state, so there is a hold on the tag. This tag runs out tomorrow. Not to mention the fact that I am a XXXX-year-old grandmother who can not even afford to pay this car note but I struggle every month trying to keep my head above the water.
Consumer complaint received 2021-07-30
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

To Whom it may concern After reviewing my credit report I have noticed several errors and inconsistencies regarding my closed student loan account with the creditor XXXX. The first late payment was on XX/XX/XXXX and the first date of delinquency is XX/XX/XXXX, which means the day loan should have fallen off my report on XX/XX/XXXX, but it remains there and has had an adverse effect on my report. I am asking that all XXXX  accounts be remove and deleted from " XXXX '' for violating the FCRA. I have highlighted were the first late payment was and the first day of delinquency. I have also attached and highlighted a document where the CFBP had the creditor XXXX  account deleted from my Equifax profile, but the same account is still being report erroneously on XXXX