davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX, I went to a chase bank to open a saving and checking account under my name only with my two forms of ID. I used my drivers licenses and my chase credit card ( that I had since XXXX ). On XX/XX/XXXX I went shopping and my chase debit card got decline so I immediately call the number on the back of my card then a customer services representative told me that chase decide to end the relationship with me and my saving and checking account were under investigation and my money is froze but my credit cars are active. they didn't tell why, I told them the only money I had in there is my direct deposit from a well known hospital everything is legit. So I went to the bank to see if they can explain to me what is going on. I meet XXXX who the manager of the branch asked him to help me. I told him everything he ask me for my two forms of ID which I gave him then he access my account were a phone number was assign for further questions. He was transfer to different departments then he ask me if the account was open online o by person. I told him by person because in XXXX someone stole my identity and I have to give a password that I used to verify that is me, but if they needed I was having my social security card and my USA passport at that point I thought everything was getting fix because they unlock my online account, set up a questioner that I only know the answers and XXXX got transfer to another department to suppose to unfree my account but he was told that a decision was already made to end business with me, so my accounts were still under investigation. He told them I got transfer to this department to unfree her account her online banking got unlock, a questioner was set up for her protection, she only needs her accounts restriction lift. she has her two forms of ID but he was told there is nothing to do a decision was already made to end business with me and I was ban from chase banking. I am in shock and upset
Consumer complaint received 2023-04-23
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. (SC)

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 USC1681 Disputable hard inquires with : Equifax XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Date : XX/XX/ XXXX XXXX, XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX XX/XX/2022 a subsidiary of XXXX XXXX XXXX XXXX . 

I ONLY provided authorization to complete soft credit checks. Credit Check Authorization : A soft credit check allows us to watch for updates and changes to your credit score with all three bureaus WITHOUT impacting your scores in any way. Providing authorization allows us to monitor your scores through soft checks for the next 12 months or until your scores meet loan requirements. This also serves as authorization to complete soft checks for your co-borrower if you have on.

This hard inquiry has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 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 2022-06-29
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. (VA)

I recently submitted a complaint with you about a bankruptcy and how it was being wrongfully reported by the credit bureaus. In response, you sent a letter to me dated XX/XX/22 saying that the information I submitted didn't seem to be me?? I'm confused as to what that means? I happen to have been learning about my rights as a consumer and know about the FCRA and certain laws in it that pertain to my bankruptcy being reported without a proper investigation having been done by any of the 3 bureaus. So I'd like to submit another complaint to follow up about the issue, all 3 bureaus claim to have verified the account as accurate, but clearly have not done or been able to provide a method of verification. The court NEVER reported it to them, so who did they verify it with as having accurate information then?? If you could please treat this new complaint as a serious matter, I and my family would greatly appreciate it as we are trying to put the pieces back together from the last few years. Under 15USC 1681 ( 5 ) ( A ) States If any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer. An item of the information is found to be inaccurate or incomplete or can not be verified, the consumer agency shall - ( i ) promptly delete that item of the information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer. The bureaus have also violated my rights under 15USC 1681 602 A and 15 USC 1681 604A Sec 2 that state I have the right to privacy and that an account can not be reported without my consent or instructions. Thank you for your help, we greatly appreciate it.
Consumer complaint received 2023-03-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Loan was taken with XXXXXXXX XXXX as our servicer. XXXX sold the servicing portion of our loan to Mr Cooper Loans. They are been our servicer for just under a year. Unfortunately just got a notice that even though we have made our regular payments and have an active escrow account. Mr Cooper is not paying our taxes properly. Just got a letter in mail showing a late fee and that they are missing payments for our escrow. Send an email to Mr. Cooper and was on hold for over an hour today and they said another dept would contact me which they never did. Very upset as reading review online this seems to be a real problem with this servicer Mr Cooper maintaining our escrow account. Very concerned and need help resolving this. Tried with Mr Cooper and still no response. 

Attaching most recent statement from Mr Cooper showing all up to date. And a letter just received from County of XXXX XXXX showing late fee and past due tax payment from our Escrow account
Consumer complaint received 2020-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. XXXX XXXX {$1800.00} XXXX XXXX XXXX {$23000.00}
Consumer complaint received 2021-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IL)

Hello, On Saturday, XX/XX/XXXX, I receive my annual escrow statement, dated XX/XX/XXXX, indicating that as of XX/XX/XXXX I would have a negative balance of $ XXXX. In addition, that as a result of this negative balance, my escrow account would have a shortage of {$4000.00}, increasing my monthly payments from {$2000.00} to {$2100.00} over the next 36 months. 

My escrow balance will not be - {$1000.00} as of XX/XX/XXXX, but will be {$3900.00}. If you review the enclosed statement, it shows that as of XXXX, XXXX the balance in my escrow account was {$10000.00}. If you add the XXXX escrow payment of {$980.00} and subtract my 1st installment XXXX taxes of {$5000.00}, which is four XXXX 4 ) months late, the balance is {$6700.00}. If you review the screen shot of my escrow account, that is my current account balance. However, if you review the prior year account history, on XXXX, XXXX they incorrectly withdrew the {$5000.00} twice creating a balance of {$1600.00}. Then they added the XX/XX/XXXX escrow payment of {$980.00} and subtracted the XXXX second installment tax payment of {$3700.00} creating a negative balance of - {$1000.00}. Why would they subtract the estimated 1st installment tax payment of {$5000.00} and then subtract the actual 1st installment tax payment of {$5000.00} for the year XXXX? In actuality, if you take the current balance of {$6700.00} and add the XXXX escrow payment of {$980.00} and then subtract the 2nd installment tax payment for XXXX of {$3700.00} and subtract the {$7.00} agency fees, the balance as of XX/XX/XXXX will be {$3900.00}. 


I have had to file three complaints against this company. I am too busy and don't have time to write you every week regarding their incompetency! I am sick of this!.
Consumer complaint received 2020-08-27
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. (IL)

On XX/XX/XXXX of this year I sent letters to Experian, XXXX  and XXXX  to look into an error on my credit report that shows I was 90 days late in XX/XX/XXXX. The reports does not say I was ( 60 days ) late in XX/XX/XXXX nor does it say ( 30 days ) late in XX/XX/XXXX. It is just marked as 90 days late in XX/XX/XXXX. I asked them to delete this error and was sent back a response they as " updated ''. nothing was changed or updated, that was just something they used to close dispute I supposed. 
I think it is very unfair to have them report want ever they chose and then state it was closed. Also, during this process of other accounts disputed there was an account deleted in XX/XX/XXXX then added back a month later without giving me proper notification on why this account was added. This goes against my rights.
Consumer complaint received 2022-06-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

Was talking to my credit counselor and America credit union was on my credit open date XX/XX/2019 for the amount of XXXX.I called and they couldnt find nothing about this issue in the system by my social or name and they told me to fill out a police report send in my information as well and a ftc identity theft paper
Consumer complaint received 2022-05-24
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: Fidelity National Information Services, Inc. (FNIS) (KY)

In accordance with the Fair Credit Reporting act XXXX Account, 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.
Consumer complaint received 2022-09-28
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)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX  NEGATIVE ACCOUNTS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-28
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)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-09-28
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)

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : -XXXX XXXX XXXXXXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-10-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources (NC)

I contacted FirstPoint to advise them I was not the owner of these accounts ; they could not even properly verify my identity or and personal information such as my contact number or date of birth an address can easily be found. If You feel I obtained goods or services Please have a senior executive from your company certify under the penalty of perjury that I received goods or services. I write to dispute certain information in my file resulting from items that I did not consent to authorize nor benefit from I recently became aware of. Please REMOVE this information no more than 4 days after receiving this letter as required from the law in the FCRA.15 U.S Code 1681c-2- Block of information resulting from identity theft. ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
Failure to comply to request 15 U.S 1681o Civil liability for negligent noncompliance ( a ) In general any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case if any successful action to enforce liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Consumer complaint received 2022-06-28
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. (TX)

609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : I disputed inaccurate information I found within my credit report to all three major credit bureaus ( i.e. Transunion, XXXX, XXXX ). Neither bureau presented any evidence supporting the accuracy of their investigation into the issue I raised. Below are the companies believed to be in violation of the FCRA : 1. XXXX XXXX XXXX XXXX opened XX/XX/XXXX 2. XXXX XXXX  opened XX/XX/XXXX 3. XXXX XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX  opened XX/XX/XXXX
Consumer complaint received 2021-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (NJ)

Sometime on XX/XX/2020, when I pulled my credit report, I found out multiple inquiries on my credit report that I did not recognize. I found also some accounts that I did not recognize. I only started to work on my credit report a few months ago, some accounts that did not belong to me already came off my credit report, unfortunately, I am still dealing with some. I recently received a collection letter from IC SYSTEM trying to collect on an alleged debt that I do not recognize, the debt is not mine and I have no other reason but to believe that I am a victim of Identity Theft.
Consumer complaint received 2021-04-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (TX)

Today I received notice via XXXX - XXXX XXXX and XXXX that there is an alert or collection from Ad Astra - Speedy Cash of a collection Acct in the amount of XXXX dated XX/XX/2021 - Ive reported this to Ad Astra - Speedy Cash - via email - registered mail and my attorney XXXX XXXX - No one could verify my info - I filed an FTC affidavit online today as well w My IDs I received NO NOTICE - no call - no mail or email of any type - I reported this to the XXXX XXXX PD Id theft unit today as well - Theres no Acct number or any other verifying data Delete this fraud Acct immediately
Consumer complaint received 2020-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (CA)

I have sent various letters to request an explanation as to why Elan Financial has closed my account. My account was always paid up to date and never late. I went through their customer service and they said that the decision was made based on a letter where I advised them that taking action against me due to age, religion, sexual preference and nationality is illegal. The company didn't respond just advised that they had decided to close the account. This action has harmed me due to closing a account that I had always paid in time and was one of my longest used cards. 
I should not be discriminated based on the factors they provided and never responded to the fact that I placed a complaint with CFPB. They actually verbally told me that they will make me pay the price for complaining to your organization and they did so by closing my account to hurt me.
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I have faxed documents confirming identity, as well as overnighted the required documents to lift the block on my credit report file. I have made 15 calls since XX/XX/2022, and every time I have gotten different information. The 1st time I called I was told to answer security questions for identity verification. The agent informed me that he was able to identify me. The agent also, stated that there was no freeze, or block on my file. I tried to apply for a rental property and the lender was unable to access my Equifax report. I wasted {$93.00} applying. I called back and the agent sent me a text to upload my DL, and the link would never capture the images. The agent then explained that I need to send identity documents via fax or mail. I faxed documents ( ssn, birth certificate, and DL ). I called again and was told that the fax machine was down, and in the same call the agent stated that they never receive fax documents. I sent my documents via certified mail/overnighted them in hopes of having the blocked removed. The next time I called, they stated that they have not received them. I was then told to send them to Equifax information services address. However, lenders are still unable to pull my Equifax report. I have wasted {$200.00} in application fees and {$60.00} overnighting documents. Please help
Consumer complaint received 2020-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd (FL)

This debt that NATIONWIDE RECOVERY SYSTEMS Ltd is trying to collect a debt from us that purchased this debt from another company ( 3-4 X 's ) .... XXXX XXXX, XXXX XXXX, XXXX & now we have Nationwide trying to collect it. We paid this debt in full ; the amount of {$1000.00} Date of service, XX/XX/XXXX, Original service provider, XXXX XXXX XXXX and have proof of that on both credit card statements, XXXX XXXX XXXX XXXX XXXX and canceled checks. We sent this information to XXXX and they removed it, called Nationwide today XXXX and they stated that they never received any information from any of the previous collectors??. On XX/XX/XXXX we faxed to XXXX recover system fax number XXXX. It came off of XXXX  and XXXX  for one year, then re-appeared?? Are XXXX  & XXXX  clueless, We also asked for the original invoice, date of service, line by line services and provider from all collectors and guess what, NEVER received it.. XXXX XXXX XXXX in XXXX is the original provider ... Florida and have yet to see it. We will file suit in Florida Court System and let a Judge decide!!! Looks like fraud, Need to call XXXX XXXX and see how many other debt collectors are out their are trying to scam unsuspecting individuals in the US.  Welcome to ask to get more info XXXX Would like to get the feds involved in this.