davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-25
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Jonathan C. Frank & Associates, LLC (IL)

I am aware of repeated phone calls from " XXXX XXXX '' leaving messages on the phone of the victim and the victim 's family members ' phones, starting on Friday, XXXX XXXX, XXXX. After research, the phone numbers coincide with the ( XXXX ) area code, but the fax number is a ( XXXX XXXX XXXX, GA area code. In addition, when the victim ( who is permanently and totally XXXX ) returned the call over the weekend, the victim 's call went to voicemail. The outgoing voicemail message ( sounding much like " XXXX '', sans the Southern drawl ) stated this " law firm 's '' operating hours in XXXX XXXX XXXX, not Central Standard Time such as is the time zone in XXXX, TX. In addition, when the victim received a call from " XXXX '' at XXXX am on Monday, XXXX XXXX, XXXX XXXX outside of " business hours '' and outside of any legal debt collection laws which require specificity in the hours in which the victim can be contacted. And, when the victim did speak to " XXXX XXXX '' and " XXXX, the file clerk '', the victim was repeatedly castigated, was threatened to reveal the individual 's social security number and other identifying information. There was no lawful debt collection practice during the verbal preamble from " XXXX '' or " XXXX '' stating ( by law ), " This is an attempt to collect a debt ... '' In fact, " XXXX '' and " XXXX '' made disparaging remarks about the victims voice to verbally insinuate aspersions about the victims sexuality. In addition, the XXXX BBB address information about this " business '' and the address on the website do not coincide, but the individuals who answer the aforementioned phone numbers are the same. THIS IS NOT A LAW FIRM. THIS IS A SCAM. THE WEBSITE IS A SCAM. THE CALLS ARE A SCAM. I DEMAND PROSECUTION TO THE FULLEST EXTENT OF THE LAW, AS AFTER THE INVESTIGATION IS CONDUCTED, I REQUEST THIS SCAM REPORT BE FORWARDED TO THE FEDERAL TRADE COMMISSION.
Consumer complaint received 2016-03-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CA)

I recently discovered the alleged debt being reported on my credit report from this company. As I did n't recognize the debt I mailed this company a request for validation. The company has not provided me with validation and continues to report it on my credit report still.
Consumer complaint received 2022-07-20
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. (MI)

Transunion, XXXX, And XXXX has multiple inquiries listed below reporting on my credit report without my acknowledgment. 
After a thrall investigating I found in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 

XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX BANK ( XXXX ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2019-02-21
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. (PA)

I have two XXXX account I wrote out a check out of the wrong account, my mistake, XXXX XXXX never called me or text me about my oversight, instead they sent me a letter by the time I received the letter it my account pass due by 4 days. Before that happened I had 19 yrs of never being late on an account. This caused my Fico to drop by 91 points. Thank you.
Consumer complaint received 2018-03-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I have a credit card with Capitol One. I do not use the card. The card has an annual fee. The fee came due but I did not know because I do not use the card. Capitol One reported me 60 days to the three credit repositories, ruining my credit. I called them immediately upon discovery. I immediately on the telephone paid the annual fee. They immediately waived the late fees. I requested that they reverse all negative reporting of the event to the bureaus. They agreed to do so. I spoke with XXXX, employee # XXXX on XX/XX/2018. She agreed to eliminate the negative reporting using a rapid resubmittal in 2 days and send me a letter. It is now XX/XX/2018and they have failed to update my account with the bureaus. I called them today,XX/XX/XXXX After 45 minutes I spoke with supervisor XXXX in XXXX Florida, XXXX. He stated that XXXX had submitted a " dispute '' to the bureaus but it takes 60-90 days for this to be processed. I told him this can not be true, that the creditor can not retract information more swiftly. I asked for his supervisor but he refused to allow me to speak to his supervisor.

Key points : Capitol One should not be able to charge a late fee for an annual renewal fee. If the consumer does not pay the annual fee the bank should close the account. Unless I borrow money from the bank and fail to pay it back according the agreement, there should be no reporting of negative information. Doing so is a consumer scam. 2. ) If Capitol One reports negative information to the credit bureaus they should retract swiftly and the process should not take 60-90 days.
Consumer complaint received 2017-08-13
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. (CA)

Last year i noticed two student loans on my credit file that claim were opened in XXXX 2002. I was not in school so i could not have opened any loans around that time. I 've disputed these accounts over the past few months in which experian and XXXX deleted one of the accounts from my file but not the other, then just about two months ago the same two student loan collections showed up on my XXXX file.
Consumer complaint received 2023-03-30
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: EQUIFAX, INC. (MO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, Ga XXXX XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiry on my XXXX XXXX credit report. I recently retrieved my credit report and it showed 2 credit inquiries that I have no knowledge of ever authorizing. 

I am writing to dispute the following inquiries and asking for their removal from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I made a reservation for a hotel room in XX/XX/2021 on XXXX. Once I got to the hotel room, I realized the room was completely different from the images the merchant posted on XXXX There was stains all over the sheets, walls, and towels. There was grease on the furniture and the room had clearly not been cleaned. I went to the front desk and I addressed the issue, I was given another room that was equally dirty. I went to the front desk to ask for a refund and leave. The front desk person insulted me and told me to leave even though I hadn't gotten a refund. I called XXXX from the lobby, while I was on the phone with them, they tried to reach out to the hotel several times but the front desk person knowing that they would call decided not to answer. XXXX opened an investigation and I asked Bank of America to get my money back. Bank of America asked me at several occasions to submit via fax ( the only way you can submit documents ) images from the stains in the room, along with receipts of the hotel I ended up spending the night at and the phone records showing I contacted XXXX After receiving my documents, they closed the claim in favor of the merchant because the merchant claimed I spent the night there which is not true, I gave Bank of America proof that I did not stay there. I have been going back and forth with Bank of America who is giving me the run around at this point. I have tried to call XXXX  days this week and they keep giving me different phone numbers for different departments to call but they are not closing the case.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

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.

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 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 Any 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 knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-11-08
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (FL)

On XXXX XXXX 2016, my fianc and I visited the Chase Bank retail location : XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX. The manager, XXXX referred my fianc and I to the Mortgage Banker, XXXX XXXX. We sat down with XXXX XXXX to gather information on possibly applying for a Home Equity Line of Credit ( HELOC ). As we talked through the details with XXXX XXXX a couple of key factors discussed confirmed our inclination to do more diligence before we apply for the HELOC. First, when I was in my twenties I had a Chase Credit Card that got charged off and when I previously applied for a credit card with Chase I was declined due to the charge off even though it was over 20 years ago. Second I have strong standing with another banking institution that I wanted to talk to before I moved forward with a Chase application. Finally, my fianc and I had some steps we still need to take to improve our credit scores to meet the qualifying score needed for the HELOC. That day on XXXX XXXX, we let XXXX XXXX know we would hold off for now and be in touch with him when we were ready to make a decision. XXXX XXXX called us the next day on XXXX XXXX to request my fianc lift her credit freeze so he could process the application. Again, I reiterated to XXXX XXXX to stand down, that my fianc and I do not want to do anything yet. My fianc and I continued our due diligence and reached out the other banking institution, did some research on HELOCs and Fixed Home Equity Loans and started putting together our credit repair plan. On XXXX XXXX 2016 my fianc and I both received XXXX letters each from Chase Bank and one letter to both of us. They are as follows : " Notice Of The Home Loan Application '', " Here 's important information about your home equity line of credit request '' and the one addressed to both of us is a letter thanking us for our credit application to JPMorgan Chase Bank , N.A . We were shocked to open these notifications and read that a HELOC application with Chase Bank had been processed in our names and that they had submitted hard inquiries to the credit reporting agencies, without our consent. This is why we are submitting this mortgage complaint. Myself nor my fianc have been able to locate the contact information to send correspondence to the President of JPMorgan Chase or the Director/Vice President of Loan Processing to inform them and request their assistance with holding their company representatives XXXX XXXX and XXXX XXXX, accountable for processing a fraudulent credit application without the consent of the consumer. And more importantly expediting the removal of the fraudulent hard credit inquires from my credit report with the credit reporting agencies XXXX, XXXX and XXXX.
Consumer complaint received 2015-09-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo allowed a verbal change on XXXX XXXX, 2015, to my mortgage by XXXX XXXX. This change was processed in XXXX days as a new statement dated XXXX XXXX, 2015, was provided and attached. I contacted Wells Fargo upon receipt of the changed statement on XXXX XXXX, 2015, requesting reversion to the XXXX months for escrow shortage as required by my mortgage : XXXX. Funds for Escrow Items. I was told that my request would not be honored by Wells Fargo employee XXXX XXXX via letter. Per my XXXX complaint to cfpb, Wells Fargo accepted my requested resolution to revert to the mortgage terms, but used a random of date of XXXX/XXXX/2015 as the date of 'review '. XXXX XXXX 's request for XXXX months for escrow shortage repayment required no 'review ' by Wells Fargo XXXX Thereby, Wells Fargo deliberately delayed processing my request to adhere to the mortgage terms on XXXX/XXXX/2015 which would have allowed the XXXX day notice period of increase for a XXXX XXXX, 2015, payment increase. Wells Fargo has no standing or place in domestic situations and has banking rules and regulations that do not allow for discrimination or disparity in favor of one borrower over another. XXXX XXXX is not entitled to favorable consideration as a borrower over me ; the borrower whose income the mortgage is based on and paid by.
Consumer complaint received 2022-02-03
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

If you don't expeditiously wipe out this misguided and divided information, I will record an appropriate complaint with the FTC. 
Furthermore, I intend to search for change in like manner movement, for recover of damages, costs, and legal counselor 's charges, would it be really smart for you continue in your cognizant block of the law. Hence, I am circumspectly detailing these events, including the shortfall of response REQUIRED under guideline from you. 
Besides, generously give the name, address, and telephone number of each credit grantor or other ally. 
Under unofficial law, you had 30 days to complete your reevaluation, yet you have forgotten to respond. Your continued with delays are inexcusable. 
Be instructed that the portrayal in regards to the framework used to conclude the precision and perfection of the information is subsequently referenced likewise, to be allowed inside 15 days of the completing of your reconsideration.
Consumer complaint received 2017-08-13
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. (FL)

I spoke with XXXX XXXX XXXX whom is a collection agency for XXXX XXXX XXXX XXXX XXXX. I paid the balance in full. The representative advised me once paid in full XXXX XXXX XXXX and XXXX XXXX will remove the account from my credit report. XXXX XXXX XXXX refuses to update my balance to XXXX dollars owed on all 3 major credit bureaus or delete the account as promised. This is having a negative impact on my credit report.
Consumer complaint received 2016-10-13
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (IA)

My husband and I took out a loan from our local bank to pay off multiple credit cards and get a better interest rate. Our bank sent a Cashier 's check and a payoff letter with detailed instructions. Chase threw out the letter and did not know how to process the cashier 's check. Two weeks later Chase returned the cashiers check to our bank with a letter that they could not locate the account number. The full account number was included on the payoff letter our bank sent with the initial payment that was discarded by Chase. Our bank sent a check immediately upon receipt of the credit card company 's letter. Due to the confusion by created by Chase we were charged a whole month 's interest plus a late fee. Had they accepted the original cashiers check and followed the instructions in the included payoff letter we would owe a little less than two weeks interest and no late fees. We met with our banker yesterday XX/XX/2016 and called Chase together. The first person we spoke with agreed to remove the late fee, but said they could not backdate the interest to when the original payment was received. We asked to speak with a supervisor and we the supervisor gave us the same answer. We informed the supervisor that we would be contacting you. Please consider this issue knowing that if Chase had not ignored the payoff letter included with the original payment sent we would not owe the extra interest. Thank you.
Consumer complaint received 2019-02-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NC)

My husband and I had a joint checking account with Chase Bank for over 20 years. 
The account was opened while we lived in the XXXX area. After moving to XXXX XXXX XXXX years ago, we opened new bank accounts with a local bank because Chase did not have branches in XXXX XXXX. We had an automatic monthly life insurance premium deducted from the Chase account and automatic monthly deposits for my husband 's small pensions. We accessed this account infrequently because there was no need to. It was simply easier to leave this account in place than close it and change the automatic deduction/deposits. 

In early XX/XX/XXXX my husband noticed that XXXX separate withdrawals had occurred, XX/XX/XXXX in the amount of {$790.00} and XX/XX/XXXX in the amount of {$1500.00}, neither of which we authorized. My husband contacted Chase to report the theft and was told someone would look into it, and in the meantime, a temporary credit would be issued. A few days later in XX/XX/XXXX while talking again with Chase, my husband was told two additional withdrawals had occurred, {$1.00} on XX/XX/XXXX and {$1500.00} on XX/XX/XXXX. My husband had been told by Chase that amounts taken fraudulently and reported within 60 days would be reimbursed. 

While reviewing our Chase account yesterday, we noticed that {$1.00}, {$790.00}, and {$1500.00} had been reimbursed in our account, but the {$1500.00} taken in XX/XX/XXXX had not. The theft of {$1500.00} had been reported on XX/XX/XXXX, 52 days after it had occurred, within the 60 day window. 

I called Chase XX/XX/XXXX to ask about the un-reimbursed {$1500.00} and, incredibly, was told the 60 day window started with the first theft that occurred in XX/XX/XXXX. That the thief was clever enough to withdraw the unnoticeable amount of {$1.00} and wait another three months before withdrawing fraudulently again, it was, according to Chase, our misfortune that the 60 day window had passed. 

We depend on our bank to safeguard our assets and not simply give our money to anyone who asks. We also expect our bank to reimburse for fraudulent activity when reported promptly. Chase 's 60-day window that starts with the first occurrence is arbitrary and harmful to it's customers. My husband was told that after an incidence of fraud is reported, the bank will neither investigate further fraudulent activity nor reimburse the loss ( es ) resulting from fraud. In other words, a thief who repeatedly accesses an account will simply be allowed to do so at a Chase bank. 

In our case, we were victims twice - the first by the unknown person who accessed our account, and by Chase, who has refused to reimburse us for the {$1500.00} loss.
Consumer complaint received 2019-02-21
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. (CA)

My XXXX XXXX Credit card account has late payments reported that should not be there. I contacted them and they waived the late fees but didn't correct the lates which should have never been reported on my account XXXX XXXX
Consumer complaint received 2017-08-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC (NC)

I received a letter from Capital Accounts requesting I pay {$900.00} to them covering a debt to XXXX XXXX XXXX. I stated that I needed a detailed statement in order to reconcile the details with my insurance companies and then attmept to pay the true debt. The letter stated that I should request in writing within 30 days to have the details. I then spoke to XXXX XXXX with Capital Accounts and he stated he 'd have me the details in 15 days. In 30 days I got a letter than it was being sent to credit reporting. I called XXXX XXXX and he said he could n't get the details from XXXX XXXX XXXX yet and I told him that I needed that prior so I 'd get it from XXXX XXXX and get back with him. The problem is that XXXX XXXX decided there were some charges that were incorrect and they resolved the data issue and was supposed to resubmit to Capital Accounts on XXXX XXXX 2017. I checked XXXX XXXX today and I 've lost XXXX points from this unfortunate horrible communication problem. XXXX XXXX XXXX claims they sent me 5 letters however I never got their letters, just Capital Accounts, the collection agency.