davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-03
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: JPMORGAN CHASE & CO. (NJ)

Back at the beginning of XXXX I had called JP Morgan Chase to be removed as an authorized user on their account and Was told that I had been removed by the end of the call. I looked at my credit today XX/XX/XXXX and It shows that I'm still on that account. I had the owner of the account call while I was next two her and they told her that I was not on the account, when we asked the rep to please confirm when I was removed, she put us on hold to check the account. When she came back on the phone she stated that I was removed today XX/XX/XXXX when asked how this was possible she stated that the truth was that she just removed me from the account meaning that she lied to us on a recorded line and so did the rep back in XXXX when the cancellation was requested.
Consumer complaint received 2020-07-03
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: CITIBANK, N.A. (NY)

I opened a billing dispute for {$1000.00} with Citibank Credit Card XX/XX/XXXX, paid to merchant, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX for a 11 carat stone they advertised and sold to me as a natural ruby. I opened the dispute with the credit card after trying to contact the merchant by phone, XXXX message and by email XX/XX/XXXX upon learning the stone was a composite, a fake and receiving no response. Citibank provided no instructions regarding the dispute until they closed the dispute the first time and advised me to return the item in order to pursue the dispute further. Upon this instruction, I returned the item, provided proof of delivery made on XX/XX/XXXX and waited until XX/XX/XXXX to learn that Citibank takes the position that the charge is valid since the merchant will not accept the return. I therefore have paid {$1000.00} for an item that is not in my possession. The merchant has kept the money and their product, and Citibank has again closed the dispute.
Consumer complaint received 2020-07-03
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. (NY)

THERE IS AN ALLEGED CHARGE OFF SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE- PERSUANT TO FCRA 623 IM DEMANDING THE REMOVAL OF IT.
Consumer complaint received 2020-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (IL)

This is about account ending Double Cash ending XXXX. I received a letter in mail on XX/XX/2020 asking me to review suspicious transactions on my Citi Double Cash Mastercard ending XXXX. However, I do not remember my login information to Citi and can't review the transactions. I have also lost the card and without full account number customer service representatives won't help me over the phone. Please mail me a new card with updated account number.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (GA)

Wells Fargo is reporting erroneous information to XXXX  regarding a former car loan I had with them. They report a late payment/negative item for XX/XX/XXXX. 

On XX/XX/XXXX, I traded the car ( XXXX ) to a dealership when I purchased a XXXX XXXX XXXX. 

How could I have a late payment when I traded the car? 

This is the only negative payment on my record. I do have a bankruptcy that occurred in XXXX and the vehicle was covered in that bankruptcy ; however, I continued to make payments even though I didn't have to up until I traded the car on XX/XX/XXXX.
Consumer complaint received 2020-07-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CO)

On XX/XX/2020 I submitted an online loan application to refinance my home with Chase Bank. That same day I was contacted by XXXX XXXX and I provided the documentation needed. On XX/XX/2020 XXXX provided me with a loan estimate and required additional documents from me which I submitted through the online portal. Towards the end of XXXX I began working with XXXX XXXX due to the lack of communication from XXXX. XXXX then assisted me in completing all my tasks and I submitted additional documents she requested. On XX/XX/XXXX I received an email from XXXX notifying me that my loan is ready to be sent to the Underwriting department. 

On XX/XX/XXXX XXXX emailed notifying me that she's performing a final review before sending to underwriting. In her review she states that she can't find a Chase deposit relationship and that it's a requirement for a cash out refinance. She apologized for not realizing this earlier and notifies me that I am not meeting the requirements and can no longer help me.
Consumer complaint received 2020-07-03
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. (CA)

I was looking through my credit report today XX/XX/20 because I wanted to see where my credit was at since I will be buying a car soon but when I was looking through it I noticed three accounts that I never opened. The account names are XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. Those accounts do not belong to me ; I did not open those accounts nor did I allow anyone top open them on my behalf. I have no idea who could have opened these accounts in my name without my permission but I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not make any payments towards those accounts. I do not have any contract or agreement with any of these companies and I never allowed them to have access to my credit information. I have already filed a police report and a complaint with the Consumer Financial Protection Bureau regarding this matter.
Consumer complaint received 2020-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (GA)

The problem I'm complaining is that I didn't receive sufficient information for my card cancellation information. 

I'm undergoing a house purchasing process through underwriting, so I need a confirmation letter from Citi bank stating clearly my account number, and the date ( XX/XX/2020 ) that I have been successfully canceled my card. My underwriting process is depending on this official confirmation letter because the closing date is closed, and my current living apartment lease is about to end. The confirmation email my primary received only have name on it without any other full information. And I didn't receive the information at all. 
So I requested Citi bank to offer me the official confirmation document by faxing my lender the official confirmation letter. I called Citi bank for three days even by talking to the customer service superviser. They said they refused to give me other choice other than waiting for 7-10 business days ( 2 weeks+ ) for a mail that send to my primary instead of me by physical mail. This would not only ruin my house purchasing process, but also never give authorized card user the right to receive the document. Honestly the card has been canceled, there shouldn't be any security reason that they can't fax the lender to give customer other option to make any negative impact. They are so passive to help the customer and doesn't care customer at all.
Consumer complaint received 2020-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (CA)

Since the shelter in place, I effectively cash checks at Chase Bank, N.A. which are written by my mother, a senior, consumer, and natural person. My mother instructs and authorizes me to use her card and account to handle her business during this time. In XXXX, XXXX, XXXX, and XXXX, I have cashed her check and paid her bills. Today, XX/XX/2020, employees at Chase bank have told me that there has been check fraud during those months. These are checks that were handled at the teller window every time. I feel violated that they made this claim against me, a consumer and natural person, especially when that were given all the information necessary, required, and asked of me every time. The Chase Bank is located in XXXX XXXX, California and is on the corner of XXXX XXXX and XXXX XXXX. The zip code is XXXX. The checks have been made out to " Cash ''. Today, the teller, after claiming that I have been committing check fraud, required that I travel back to my mother so she can write my name on the pay to the order of line. I obliged them only to find upon my return that they require an {$8.00} fee. These claims and requirements are inconsistent and are in violation of my rights as a consumer.
Consumer complaint received 2020-07-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES (CA)

I defaulted on a loan and it was sent to a collections company called Zwicker and  associates. Once I got back on my feet, I called Zwicker and Associates and talked to XXXX XXXX and we negotiated a settlement for my debt. She assured me that the call was recorded for both my protection and her protection, but the company has not provided the recordings to me, though I have asked. We negotiated my debt down from {$11000.00} to {$7100.00} XXXX a difference of {$4700.00} XXXX as long as I paid by XX/XX/29. I called on Friday, XX/XX/29 and paid the {$7100.00}. If you listen to the conversation, it is clearly a settlement in full for the {$11000.00}. Now that I've paid it, XXXX has changed their reporting to say that I still owe the remaining balance and that I have just made a payment of {$7100.00}, even though I have a statement from Zwicker and Associates saying that the account is settled in full. This is extremely deceptive, as they are reporting as if the {$11000.00} was never discussed with their collections company and that I was just making a payment toward a balance, which is untrue. I was settling in full.
Consumer complaint received 2020-07-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (OH)

I have tried for months to talk to someone at US Bank to work something out regarding the mortgage loan before it goes to foreclosure. After over 10 hours on the phone with US Bank personnel I am still not able to get anyone in US Bank to take ownership of the situation. The latest indication of either not wanting to deal with it or just incompetence is they sent me to an external bankruptcy lawyer regarding a US Bank mortgage. I'm going to stop making mortgage payments and the property will go into foreclosure because US Bank is too big for their customer service department to comprehend how mortgages work.
Consumer complaint received 2020-07-02
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. (AR)

I was trying to cosign for my cousin to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts XXXX XXXX {$1300.00} XXXX XXXX {$480.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$900.00}
Consumer complaint received 2020-07-02
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. (GA)

There are incorrect information and accounts reporting on my credit file : Please remove inaccurate personal information : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Hill Py ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( Equifax ) The following is reporting as a result of Identity Theft/Fraud : XXXX XXXX XXXX - Open date : XX/XX/2017 Bal : XXXX Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-06
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. (AR)

My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Consumer complaint received 2020-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (FL)

XXXX XXXX XXXX applied for private loans on my behalf without disclosing the information. The loans are well over 7 years old and should be removed, however, they've appeared on my credit report. The debtor participated in illegal collection tactics by calling my employer and routed to the call center. Each day a different peer of mine reached out to let me know Navient call. The entire call center was aware that I had student loan debt in XXXX. I entered a borrower 's defense claim in XXXX due to unfair practices. XXXX XXXX XXXX never helped me find a job as promised, instead listed my current job with my current employer as job placement. I still don't make the XXXX a year salary that was promised when I enrolled. I attempted to consolidate my loans after Navient, the collection agency began to call my job and talk to everyone about the debt. Navient only consolidated a portion of my loans and left others out. I was under the impression that I was paying on all of my loans and later found out that the private loans were charged off. Made no sense. If I couldn't consolidate them all then why bother with consolidation. Since then, I've been following up on the Borrower 's Defense claim for 4 years only to be told that my claim is still being reviewed. I've been included in 2 class action lawsuits. One for improper collection activity and the other for Borrower 's defense. Yet Navient continues to report every month to the collection agencies of bad debt when I've been working for 4 years to resolve the matter. This issue has prevented me from being able to purchase a home.
Consumer complaint received 2022-07-20
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. (MO)

This is the several times I've complained about being a victim of identity theft. The Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 
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 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
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My account with XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Consumer complaint received 2021-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Grain Technology, Inc. (TX)

This issue is about Trygrain.com The bank account I had on file that determines my credit limit and that I make payments from had closed. So I attempted to contact support to help me change the account since it won't let you change it directly through the app for some reason but I keep running into problems with their customer support team. 

I emailed them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX with no assistance provided. 

They gave me a payment link to make a payment, which I made on XX/XX/XXXX but I tried using the link again to make a payment but it says that the link is invalid. 

I need to have the bank account that's on file changed so that I can continue making my payments and using their services. This delay caused my XXXX and XXXX statements showing that I'm using 80 % -100 % of the credit offered which affectively dropped my credit score.

This is turning into a real nuisance which is affecting my credit which I've been trying to fix, that's one of the reasons I was using their service in the first place. I'm also racking up late fees, and interest. 

Another issue is their payment options, the payments that you can make are based upon your bank account balance. On XX/XX/XXXX, and XX/XX/XXXX I ran into an issue where I couldn't pay my statement balance to drop it under 30 % because it wasn't updating my account balance. It showed a lower balance in my checking account so I was limited to making a payment within that limit.
Consumer complaint received 2022-08-08
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. (GA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

1. XXXX XXXX ACCOUNT # XXXX 90 days late in XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

2.XXXX XXXX ACCOUNT # XXXX 90 days late in XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX, 120 days in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX.