davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (UT)

I used the Wells Fargo ATM ID XXXX on XX/XX/XXXX. I deposited cash by using the " tap '' feature and entering my PIN. Some of the cash was rejected, so I straightened it out and reattempted the deposit. Upon attempting a second time, the ATM prompted me to re-enter my PIN. The deposit was rejected again so I drove away. After I left, the next person at the ATM was able to withdraw {$1000.00} from my account without needing to re-verify the PIN. I disputed the transaction with Wells Fargo on the same day ( Claim # XXXX ). 
on XX/XX/XXXX, I received a letter in the mail explaining " Based on the information available to us, and because the transactions were made using your card and PIN, we found it was made by you or someone who had your permission. Please consider your claim closed. '' I called the Claims Assistance Center ( XXXX ) immediately and was told that they would send me documentation outlining how the information they used to come to this determination. I never received any further documentation. 
I went into the Wells Fargo Branch on XXXX XXXX XXXX XXXX, XXXX, UT on XX/XX/XXXX to speak with a Personal Banker about the issue. I requested that they review footage from the ATM in order to see that the withdrawal was not completed by me. On XX/XX/XXXX, the Wells Fargo resolution team contacted me inform me they are unable to review the footage, and that my claim should be considered closed at this time. They were unable to provide an explanation as to why the footage could not be reviewed. 
Over the course of my interactions with Wells Fargo, as of XX/XX/XXXX, I have not yet received the documentation outlining the basis for their determination to deny my claim.
Consumer complaint received 2022-01-11
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. JPMCB XXXX  is reporting late, yet it is closed and the balance is zero as reported in XXXX. Lets correct this immediately. The Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( JPMCB XXXX  XXXX )
Consumer complaint received 2020-05-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JMAC LENDING INCORPORATED (WA)

We were working with a JMAC Lending loan processer, XXXX XXXX, on two mortgage refis. She lied to me, claiming XXXX XXXX had requirements for me to supply additional documents. I looked up the XXXX   XXXX Selling Guide, sent it to her proving her wrong. She called me up, started an argument, yelling at me, then hung up. Then she sent the mortgage broker an email, lying about our phone call. 

Since then, XXXX keeps coming back, claiming the underwriter needs more info on both of our loands. For instance, we provide 12 months of bank statements, now she wants 13. How is that relevant. She is interfering in our loan process, intentionally causing unecessary delays, along with making false statements about us. Our loan was supposed to close this week, but that looks unlikely. In fact, XXXX is interfering so badly, it does not appear as though we will even close, ever. 

Now, no matter what we do, with each new " request '' from underwritting, I send in the information and we're met with yet another new request. 4 times now. Friday, Tuesday, Wednesday morning, and AGAIN Wednesday evening. Extraneous requests for absurd information. 

Even the loan officer, who normally doesn't interact with underwritting, has lodged a complaint. 

Our loan lock will likely expire before the laon closes, due to XXXX 's unethical behavior. Rates have gone up and it will cost us more money because XXXX is retaliating, sabotaging our loan approval. 

If we have to abandon this lender due to XXXX sabataging our loans, the rates have changed, they have gone up since we started this proces. That will cost us even more money.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX are reporting I was on LATE XX/XX/2020. I request METHOD OF VERIFICATION of this late payment. Please provide the names, phones, addresses and process used to determine the Late Payment or correct the history.
Consumer complaint received 2022-01-13
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)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-02-05
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: Park Hill Holdings (GA)

TO WHOM IT MAY CONCERN : Under 15USC1681 ( b ) - permissible purpose ( a ) IN GENERAL Subject to subsection ( C ) any reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates XXXX XXXX never gave CoreLogic/SafeRent any written consent to report anything on my consumer report, no consent is identity theft. This is a violation of the Fair Credit Reporting Acts right to privacy and permissible purpose. 

Please remove, block, and delete the following address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX DE XXXX, WI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2022-01-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NV)

This is in addition to complain no. XXXX. I received a certified letter from Chase dated XX/XX/2022 that my loan is in default and have to pay them {$19000.00}. 
I tried to make my monthly payment like I promised on my first complain but was refused. 
I need tp pay them at least 14 payments worth almost {$15000.00}. They are really trying to get us out of our home. 
Please help us. 
Thank you and God Bless.
Consumer complaint received 2020-05-21
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I AM A XXXX XXXX YEAR OLD VICTIM OF IDENTITY THEFT. I DID NOT OPEN THIS USAA ACCOUNT. XX/XX/2020 I submitted investigations to XXXX   & XXXX of USAA CREDIT REPORTING PROVIDING FTC ID THEFT REPORT XXXX & REQUESTING ORIGINAL WRITTEN DOCUMENTATION I OPENED THIS ACCOUNT TO VERIFY THIS ACCOUNT WAS/IS MY ACCOUNT.??? SUDDENLY, after 35 years of USAA VERIFYING ME WITH MY PROFILE DATA FROM MY AUTO INSURANCE ** SUDDENLY MY DRIVERS LICENSE IS NEEDED.??? XXXX How SNEAKY of USAA TO SUDDENLY NOW BE ** UNABLE TO VERIFY ME ( after 35 yrs of verifying ) ME & ASK FOR A COPY OF MY DRIVERS LICENSE?? USAA IS THIS TO DOCUMENT PROOF I OPENED THIS ID THEFT ACCOUNT PERHAPS USAA???? I DO NOT TRUST USAA.
Consumer complaint received 2023-06-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FISERV INC. (NC)

IM AN UPSET BUSINESS OWNER CONSUMER. Clover Merchant Services at XXXX has stolen my deposits. They keep providing me on " RECORDED CALLS '' that they are going to deposit my business funds into my account and " IT NEVER HAPPENS! '' I feel like Clover Merchant Services is scamming me. Everyday when I call into Clover. I always get a different scenario or a set promise of receiving my {$14000.00}. I have spoken with numerous staff at Clover and yet NO RESOLUTION. On Clover recorded calls I have spoken with Account Soecialist XXXX XXXX, XXXX XXXX XXXX the XXXX XXXX supervisor, XXXX XXXX, XXXX XXXX XXXX & many more. And yet " NO RESOLUTION! '' When I ask to speak to higher authorities, Clover claims that their in a meeting & can not tend to the phone. When I ask for Regional Managers or even the number to Headquarters, They never can provide that information as well. My business is beginning to drown due to Clover Merchant Services-Bank negligence . 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-20
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Case Number : XXXX Amount : {$94.00}, this is a response rebuttal to the letter issued by Capital One on XX/XX/2020, additional supporting is not included as it is not applicable based on what was requested in the letter. Capital One did not adjudicate my billing dispute properly, placed order with merchant, it was for a delivery of food, it is well known through a simple XXXX search that merchant treats the delivery drivers horribly, thus, leading to delivery drivers rushing in an attempt to make a living. As mentioned, in my original dispute submission, delivery driver XXXX XXXX was rushing and dropped the open bag of food on the outside sidewalk. The cheap flimsy containers opened up on the ground. Therefore, the delivery driver took the entire order back with him and advised me that he would cancel the order in the system. It is obvious that as a customer, I followed through and received verbal confirmation from the delivery driver who " represents the merchant ''. Obviously, the delivery driver isn't able to give me any type of a cancellation receipt as the merchant doesn't supply the delivery drivers with this and nor do they require it from the delivery drivers.
Consumer complaint received 2022-01-11
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-11
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. (NY)

Pursuant to 15 USC 1681 ( 2 ) ( a ) ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report should be excluded from a consumers report. The following reportings are inaccurate and are in clear violation of my privacy. Which is a violation of the law. This is embarrassing and damaging to my reputation as a consumer. As the consumer I demand the following accounts be removed from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 Chapter 41.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-03-10
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. (NV)

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, has violated my rights. 
DEPT OF EDXXXX XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights XXXX OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights DEPT OF ED/XXXX  XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX  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 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 2022-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (NC)

I closed my Chase Sapphire XXXX card on XX/XX/2021 it had approximately XXXX points associated to it. I asked the customer service representative to transfer the points to my Chase Freedom card and they said they would over the phone. I waited for the points to transfer and they never did. I assumed that it was going to take a few months for the points to transfer and then possible an additional COVID-related delay. When I realized I had never received the points, I contacted Chase on XX/XX/2021 asking them about my points. They wrote back that I had " at least 30 days from the date the account was closed to use your reward points or they will be lost ''. I never received the reward points in my new account as I was told would happen, nor was I warned that I only had 30 days to use them. The email also indicated that I had " at least 30 days '' to use them, which didn't make sense. I reached back out to Chase on XX/XX/2021 telling them I was never warned about the 30 day limit and that I never received the points in my new account, regardless of the time limit I had to use them. Chase responded that I was sent an email on XX/XX/2021 after I closed my account detailing the XXXX rule. I can not find any record of this email every being sent nor having received it. Even if I had gotten the email, I was waiting for the points to transfer and that never happened. I have tried working through this issue with Chase and they have been less than helpful.
Consumer complaint received 2023-05-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Bankers Auto Acceptance (CA)

I have a fraudulent auto loan reporting on my credit that was opened on XX/XX/2018 that I am refuting. I have never applied for services nor extended my credit to this provider in any matter. This loan is the result of an identity theft that was done without my knowledge or consent. The loan amount is for {$16000.00}
Consumer complaint received 2022-01-10
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. (FL)

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (CT)

On XX/XX/XXXX a check was mailed to pay off a Barclays credit card for the balance owed ( {$6200.00} ). The check did not have the credit card account number on it however, the remittance slip was mailed along with the check. The check cleared on XX/XX/XXXX, however, it has not been applied to my account. I called Barclays on XX/XX/XXXX to find out why the payment has not been applied. Barclays has begun a " case '' with an identifying case number to investigate where the funds are. I've also faxed them a copy of the front and back of the check to show its endorsement. I'm very unhappy that this could possibly take that long to resolve. They have all of the appropriate documentation and they've now had the funds for 11 days. Is it perhaps sitting in an account with other unprocessed payments making tons of interest for Barclay the company? I was initially told it would take 1 to 2 billing cycles to resolve, but I escalated it with a supervisor, who told me to call back in 48 hours. I did that today ( XX/XX/XXXX ), and STILL no change in status. Needless to say, I'm very frustrated. I've never had a credit card company take this long to resolve a problem.
Consumer complaint received 2020-07-27
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: Sequium Asset Solutions, LLC (AR)

I recently submitted disputes to all three of the major consumer reporting agencies ; XXXX, XXXX, and XXXX regarding an account that was opened without my knowledge or consent. The name of the account was from a company named Sequium Asset Solutions for an apparent bill or account through XXXX XXXX  XXXX I've never owned or received any services from XXXX XXXX XXXX which I included several pieces of supporting documentation in addition with my disputes. For some reason even after being notified from the credit bureaus Sequium Asset Solutions continues to report this fraudulent account to the three consumer reporting agencies which violates the Fair Debt Collection Practice Act and the Fair Credit Reporting Act. This illegal action has caused me to be denied credit and has given a false sense of reflecting an inaccurate credit score. Sequium Asset Solutions must and should be held accountable for their actions.
Consumer complaint received 2022-01-11
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: SYNCHRONY FINANCIAL (NY)

Good afternoon, I was impacted by the pandemic my last day in my office was XX/XX/XXXX. I returned and had no choice but to accept a demotion on XX/XX/XXXX making approximately $ XXXX less than I was making. I used up all of my savings to keep up with my payments. Before the pandemic I had an impeccable payment history. Never missed a payment. The Corona Virus Aid Relief Economic Security Act was enacted in XX/XX/XXXX stating Late payments should not be reported to the Credit Bureaus. I contacted SYNCBXXXX  letting them know of my situation. They close my account and put me on a payment plan. I was making my payments on time before the pandemic and after I was put on a payment plan, I continued making my payments. 
I contacted them and asked them to remove the late payments due to the pandemic letting them know of the Corona Virus Aid Relief Economic Security Act, asking them to please remove the late payments on my credit report for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and they responded and refused to do anything about it. Before the pandemic I always made my payments on time. If it wasn't for the pandemic, I would be able to make my payments on time. My credit card # is XXXX. I'm trying to refinance my house to pay off my credit cards but I'm not able to do so because SYNCBXXXX derogatory information is affecting my credit score and my ability to do so. Please call me if you have any questions XXXX. 
Thank you XXXX XXXX