davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (MI)

I live in a state that has legal online gaming, This is a processes I engage in regularly for entertainment. I am XXXX XXXX  because of my XXXX. So this helps me to pass time. I have asked customer service more then once to look into my checking account for errors. I have had my account overdrawn several times from transactions made from from many different online casinos. I have come to watch my balance every time i deposit into my XXXX acct. to ensure that the deposit comes off of my online checking account ledger with every purchase i make. ( It always dose! ) I look at my ledger and see my balance drop by the amount of my purchase. Sometimes when i look the next day my balance will change over night. There are many more transactions added from the dates earlier that have already been paid. By that time it is impossible for me to track because every thing is move around in the balance column of my acct. ledger. And all of the balances have changed. Bottom line I am being charged twice! I have asked to talk to several supervisors to help with this problem. all they tell me is they don't know why this is happening. So they connect me to another department they tell me the same thing. And it never gets resolved. All they can seem to say is something looks wrong. Please Help! I just want to know why this is happening.
Consumer complaint received 2017-10-10
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: Santander Consumer USA Holdings Inc. (VA)

The companies below ran my credit score without my permission and I want the problem to be fixed and the inquires to be taken off of my credit report ASAP. 

- XXXX XXXX on XXXX XXXX for auto finance - XXXX XXXX on XXXX XXXX for auto finance - XXXX XXXX on XXXX XXXX, XXXX for finance - XXXX XXXX XXXX in XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX for finance - XXXX XXXX on XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance
Consumer complaint received 2022-11-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BROKER SOLUTIONS, INC. (NJ)

I applied for a mortgage with New American funding and was set to close on a home in XXXX. I was pre approved then seven days before I was to go to settlement, and after putting out over XXXX dollars, I was contacted by the loan processor that they were not going to fund my mortgage due to me failing to disclose a foreclosure. The based their opinion on my divorce settlement agreement which in the state of NJ I had marital right to the property even though I was never on the note to pay. I tried to explain this to them and they would not let me explain. I lost out on that home and am still out XXXX to the seller. I am now in the process of obtaining an FHA mortgage on another property and was just informed by my new lender that New American Funding disclosed that information to FHA and it is now in their system that I had a foreclosure which I do not. The note was never in my name. My ex husband has tried to reach out to the title company and mortgage lender to obtain a copy of the note and neither companies are in business anymore and since the note is not a disclosable document I have no way of obtaining that information and am due to close on my new property next week. I emailed New American Funding to have them remove that note and they stated they would not and that " the note and the mortgage are one in the same ''. They have already cost me XXXX dollars that the original seller will not reimburse me and now my new property. I would like to know what can be done to rectify this issue so that I can obtain a home for my children and myself. I am currently homeless and living with a family member
Consumer complaint received 2022-11-09
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: Flexible Finance, Inc. (MI)

in accordance with the fair credit reporting act this creditor " FLEXIBLE FINANCE '' has violated my rights. Under 15 Usc 1681 section 602 states i have a right to privacy.

15 usc 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b, A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Consumer complaint received 2017-10-10
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

The companies below ran my credit score without my permission and I want the problem to be fixed and the inquires to be taken off of my credit report ASAP. 

- XXXX XXXX on XXXX XXXX for auto finance - XXXX XXXX on XXXX XXXX for auto finance - XXXX XXXX on XXXX XXXX, XXXX for finance - XXXX XXXX XXXX in XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX for finance - XXXX XXXX on XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance - Capital One XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance
Consumer complaint received 2022-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (MS)

On XX/XX/XXXX, at XXXX I received a text from Chime stating that I changed my email address and phone number but I didn't make these changes. Someone hacked my account and took my money. I contacted Chime customer service and they said that they would put in a dispute with the fraud department and stop any transactions or transfers that these people did.
Consumer complaint received 2022-10-06
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. (AL)

In accordance with the Fair Credit Reporting Act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person who knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (CA)

Walked into Wells Fargo to open an account on XX/XX/2019. I received a call from Wells Fargo wanting you identify me. After identifying it was me who opened the account they stated theyre closing my account. Never stating why. I also have a mortgage account with wells Fargo its confusing why they wont allow me to open an account.
Consumer complaint received 2017-10-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (PA)

I have disputed a debt with XXXX XXXX XXXX, and they have not provided me any validation that the debt belongs to me. I have asked them for a signed contract between myself and XXXX XXXX XXXX, and have also asked the original creditor ( XXXX XXXX XXXX ) for a signed contract. The original creditor said that they do not keep information on file after the debt was sold. They did state that the amount of the debt was {$3900.00}. The debt was sold to XXXX XXXX XXXX on XXXX XXXX, 2013, and since then XXXX XXXX XXXX has reported that amount owed is {$4000.00}. This is a clear violation of the FDCPA by XXXX XXXX XXXX. I am not assuming responsibility for this debt, nor am I claiming ownership. XXXX XXXX XXXX has failed  to provide clear validation of this debt by not providing me a signed contract with my signature on it. So they are in violation of the FDCPA and FCRA. I am demanding that this debt be removed from my credit report by all 3 credit reporting bureaus.
Consumer complaint received 2022-10-06
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. (MN)

On XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 a dispute was faxed to Equifax to dispute a fraudulent hard inquiry by XXXX. The dispute included a listing of the inquiry that was the result of the identity theft, a copy of a driver 's license, social security, utility bill, identity theft police report, and a notarized FTC ID Theft Victim 's Complaint and Affidavit. The fraudulent hard inquiry remain on the credit report.
Consumer complaint received 2022-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

I have a small flooring/flooring installation business that I run. Recently I took on a new client doing significant remodeling. I received 4 payments from her using her credit card and everything was fine. All payments went through, were entered manually, approved, and accepted and deposited in my account. Then on XX/XX/31 XXXX XXXX I processed two more payments from the client, both were entered manually and both were processed/approved. One was for approximately {$2700.00} and the other {$8300.00}. 
Neither were deposited to my account. I called Chase bank to find out why. They told me that my account to accept credit cards had been closed and that they were " holding '' my {$11000.00}. They said that I could not get it for at least 60 days, possible longer. I appealed to their " executive office. '' After a week they called me and said that my account has been closed and that the {$11000.00} would be held for 60 days minimum to " cover charge backs. '' They also told me that they would not give me a reason and that they do not have to give me a reason. I need to pay my contractors their wages. 4 different families are depending on these funds. I have done NOTHING wrong. Chase bank has been after many requests completely obstinate. I have NEVER had a charge back. I desperately need MY {$11000.00} returned to me. Please help!
Consumer complaint received 2022-10-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: JPMORGAN CHASE & CO. (FL)

My credit has been stolen. I have placed a freeze on my credit and have an open police case in XXXX XXXX California. I see a New unauthorized Loan on my Chase account. 

Account : XXXX Amount : {$44000.00} Vehicle : XXXX XXXX XXXX
Consumer complaint received 2022-11-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (NY)

I received a Vanilla Visa Gift Card on my birthday, XX/XX/XXXX. I opened the gift card and attempted to use it on XX/XX/XXXX. The purchase was declined. I signed into Vanillagift.com and learned an unauthorized purchase had been made at XXXX - XXXX which is a purchase that I did not make and have no knowledge of. No person ever had possession of my card and XX/XX/XXXX was the first time it was opened from the original packaging or attempted to be used by me. I immediately called to dispute the transaction and received the ID : XXXX. I received a letter on XX/XX/XXXX stating that my dispute was denied as the card was charged in-person. That is impossible. The card was in my possession and in its original packaging, unopened until XX/XX/XXXX. I attempted to call InComm support on XX/XX/XXXX and the customer service representative said there was nothing he could do. The contact information for the company is InComm Inc., XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Georgia XXXX or via email XXXX. The customer service telephone number found on my card is XXXX. Looking at my card, you can tell that it has never been swiped and is fresh out of the package.
Consumer complaint received 2022-10-06
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. (GA)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2022-10-06
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. (NJ)

Hello when I was XXXX I went to trade school and took out 2 Federal Loans through XXXX in XXXX. The next year which was XXXX the loans were put on hold because of the financial disaster that had occurred and approximately a year later the loans were made active without notification. My Mother was paying these loans at the time and she was never informed of the reactivation of the loans. Neither her or I were informed when it became active again and when we finally found out it went unpaid for 10 months at which point we paid both accounts in full. It shows as a derogatory mark on my credit report. It not only shows once but four times. One account opened on XXXX and one opened on XXXX. Both accounts show twice on my credit report under different account numbers. It seems likely that they made a duplicate of each account, one is derogatory and one in good standing. 
1st Acct # XXXX 2nd Acct # XXXX I have spoken to my tax attorney and this is clearly an error and he advised me to make a complaint through Consumer Finance. Im currently trying to buy a home for my pregnant fianc and daughter but have been turned down because of this error. I have attached all four accounts and you can clearly see that they are duplicates of each other being created on the same dates and having the same amount.
Consumer complaint received 2017-10-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP (CA)

I moved into an apartment complex XXXX/XXXX/XXXX and was evicted for one month unrated rent the following year in XXXX. My rent was {$1200.00} a month I missed one month, I also had a security deposit of {$1600.00} ( although I know I was n't going to get my security deposit back ), a year later I decide to check my credit score and it stated that I was in debt with Kimball, Tirey & St. John LLC {$4000.00}. I had no idea about this was n't informed or contacted. I kept scrolling and saw that they had another collection out for {$500.00}. So I have two collection cases open now with this firm, one for {$4600.00} and the other for {$590.00}, over {$5000.00} in unexplained debt. They sent letters to my family members homes as well as my fiancee 's mother 's house saying they would take legal action if not paid but never explained why either account was so much and why two cases were open.
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (AR)

I'm member of XXXX who report my rent being paid each and ever month to all credit bureaus. XXXX, Equifax and XXXX to earn my credit scores from all three of rent being paid. My credit scores hasn't been increasing of my rent being paid each every month. My credit scores should at least be XXXX for me to qualify for home loan. I feel i am being held back from qualify for home loans. Maybe because of my XXXX, XXXX, age, XXXX, martial status. To qualify for home loans.
Consumer complaint received 2017-10-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc. (CA)

The time I got the loan I was homeless working for XXXX XXXX. I got the loan an was able to pay for a room that night. I did n't pay the loan back now I 'm reciveing calls from a guy who is threating an harassing me an also, he has called an harassed other family members. He is calming I did fraud but I did n't do fraud I have the same bank account. He saying I 'm going to go to jail. The place where I received the loan is XXXX XXXX.
Consumer complaint received 2016-11-17
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: PENNYMAC LOAN SERVICES, LLC. (MD)

I applied for a refinance and it was consistently mishandled by the loan processor XXXX XXXX. When i applied for the loan with the loan officer XXXX XXXX he called customer service to stop my automatic payments that were being directly debited from my checking account. He gave me a closing date in XXXX. I was told that i would not make a mortgage payment for XXXX or XXXX and in XXXX my auto drafts would be turned back on by customer service. I was not notified of a closing date change. I was concerned because I did n't receive any closing information. On XXXX XXXX i emailed XXXX XXXX to ask what the status was she told me my new processor was XXXX XXXX. She forwarded my email to her. A week later she emailed me after my propose closing date and told me to make payments until i get closing documents in the mail. XXXX XXXX I contacted her asked for the status she told me my closing date was XXXX XXXX and not to pay XXXX mortgage it was already factored into the loan. She never contacted me to give me my new closing date. I informed her i already paid that month she advised my choices were to have my bank return the payment or they could return it after closing. I had the bank pull the payment back. I went To closing on the XXXX as planned. On XXXX XXXX they called and told me the loan was disapproved because i had a 30 day late on my account because my payment was returned. I would not have pulled they payment back if she did n't give me the option. I should n't have been given a 30 day late i closed before the payment was 30 days past due. She also told me the XXXX mortgage payment was already factored into the loan for the refinance.
Consumer complaint received 2022-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (FL)

XXXX XXXX I received an alert from my FICO.. Saying that I was 30 days late on a loan that I have proof that I made a payment in XXXX. I made XXXX payments in XXXX and XXXX in XXXX of this year they claim I was late in XXXX but I dont understand how when I made a payment. So I called Affirm.. I was trying to explain to the lady at the company the situation She seemed very lost with what I was talking about. So I got off the phone with her and decided to do my own research on Affirm website.. I noticed that they wrote on a website that they report positive and negative activity to XXXX. But Im trying to understand why none of my positive was never reported I never had an account on my credit report from Affirm until today. Im so upset about this matter! I have proof of all my payments and Im trying to make this all makes sense.. they are reported the wrong balance to the credit bureau I do not owe {$500.00}. I only owe {$200.00} on this account Im two payments a way from paying this account off. so Im not understanding where all the false reporting is coming from but I would like for the company to fix this situation ASAP! I uploaded my payment history and my credit report and the article from there website! They also is spelling my name wrong.. my name is XXXX XXXX XXXX I need that fixes too! Everything is wrong!
Consumer complaint received 2019-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (OH)

I recently got my annual credit report and I noticed a collection for Afni inc I disputed and it came back as verified but I never got any documentation to prove this debt belongs to me. I also never recieved a letter within 15 days to remind me of my right under the fair credit reporting act to dispute. I also contacted the orginal creditor to get documentation that the credit agency coudnt give me. The orginal creditor dosent have a signed contract with my name on it so how can this debt collection company verify this debt is mine. I will not pay this debt because the orginal creditor dosent even have a contract and I refuse to pay something I dont owe. Even though there isnt a orginal contract bearing my signature Afni inc is still reporting this account on my credit report which is a violation of the fair debt collection act. If I am not provided the orginal contract bearing my signature proving I owe this debt and I'm not provided license to collect in my state of Ohio I will not pay this debt and i will persue litigation for XXXX $ for violation of the debt collection act because this account still remains on my credit report
Consumer complaint received 2021-01-18
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (KY)

The Bureau of Consumer Financial Protection ( Bureau ) has reviewed repossession and servicing activities by Nissan Motor Acceptance Corporation ( Respondent, as defined below ) and has identified the following law violations : ( 1 ) Respondent wrongfully repossessed some vehicles despite having agreements in place with consumers to prevent repossession ; ( 2 ) Respondent, through repossession agents, kept personal property that was located in consumers vehicles at the time of repossession and would not return that personal property until consumers paid a fee for its storage ; ( 3 ) Respondent, through its service provider, deprived consumers making auto-loan payments by phone of the ability to select a payment option with a significantly lower fee than the one they were XXXX Document 1 Filed XX/XX/XXXX Page 2 of 40 charged ; and ( 4 ) Respondent made a deceptive statement in its agreements to extend consumers auto loans that appeared to limit consumers bankruptcy protections. These actions violated the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531, 5536. Under Sections 1053 and 1055 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5563, 5565, the Bureau issues this Consent Order ( Consent Order ).