davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-27
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (NC)

I currently have 2 credit cards with Comenity Capital Bank ( Ulta and XXXX ) and 1 card with Comenity LLC ( Lane Bryant ). Beginning on XX/XX/22, all of Comenity 's websites have been down for " Scheduled maintenance '' with no ETA of when accounts will be available. A message on the websites instructs account holders to make one time bill payments, however their one time bill pay is also down. Calls to their customer service line were met with a message that the system the agents use is also down and they have limited information. The most I could get was when my next due date is. According to their XXXX and XXXX, the accounts should have been accessible today, but no luck. I tried calling customer service again this morning, but a recorded message stated that " due to unforseen circumstances their offices are closed. '' Repeated attempts to get answers from the company via social media from numerous users has been met with vague messages that are clearly recycled copy text and not an actual person responding. At this point I'm concerned that there has been a security incident and my information and or credit history is at risk. Also, Comenity has made no statement about late payments in regards to this outage. I would like help in getting this resolved and getting some answers.
Consumer complaint received 2022-01-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (IL)

I started my mortgage process with Chase Bank in early XXXX of XXXX. The first problem was how long it took them to process the application and get it through underwriting. I kept asking my original loan officer, XXXX XXXX, what was taking so long, and she just kept asking me for more and more documents. Finally, on XX/XX/XXXX or XXXX ( I don't remember which ) of XXXX I was told that the refinancing mortgage had been approved by underwriting and they scheduled the closing for XXXX XXXX on XX/XX/XXXX at XXXX XXXX in XXXX, TX. I was told that because I was refinancing a rental house, I had to go in person to Texas to sign the documents ( one of many things that were false I have since found out ). I live in Illinois at this time, even though my rental property is in Texas. 

I booked my flight, rented a car, and arranged for a house sitter. Chase sent me a final closing disclosure document on XX/XX/XXXX. I was literally on the way to the airport on XX/XX/XXXX when I received a call from the title company that they had not received closing documents from Chase. I tried to call both of the two people ( XXXX XXXX or XXXX XXXX ) that I had been working with at Chase and was unable to reach either of them. I emailed them and got no response. After about XXXX an hour ( and now almost at the airport ) and many phone calls attempting to reach someone, I got a call back from a woman who was covering for XXXX XXXX, who knew nothing but was checking into it after having read my email. Eventually she called me back and said that no, Chase was not going to close on my loan that Saturday. She did NOT tell me that it was not going to close at all at that time. 

Later that day ( now after 5 and after I had cancelled my flight ) she called me and told me that Chase was not going to be able to close on the loan at all. I was never given a reason why and now that six months have passed since I started this process, interest rates have gone up. I find it grievously wrong that they took six months to process the application, and then didn't even have the courtesy to call me themselves to tell me that the loan was not going through. I had to hear it from the title company! I still haven't heard from either of the two people that I was dealing with ( XXXX XXXX or XXXX XXXX XXXX directly. 

I have lost both money and time due to Chase 's incompetence and poor handling of this matter. I should have had either a new mortgage or a decision that it wouldn't be possible within 60 days of my initial application. I will tell everyone I know to NEVER use Chase for a mortgage unless they want to lose time and money.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

Subject : Repeated Reinsertion and Failure to Investigate Unauthorized Account on Credit Report To Whom It May Concern : I am submitting this letter to formally request assistance with an ongoing issue regarding an unauthorized XXXX XXXX account ( account number XXXX ) that repeatedly appears on my Equifax credit report. I have disputed this account on XXXX separate occasions, and each time Equifax initially removed it from my report. However, XXXX XXXX continually reinserts the account without providing me with a required reinsertion notice, and Equifax has not conducted an investigation, as mandated by law. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), Equifax is required to notify me within five business days of reinserting any disputed account. Equifax has not provided such notification, leaving me unaware of the repeated reinsertions until I review my credit report independently. This lack of notice is a direct violation of my rights under the FCRA.

Furthermore, Equifax has not conducted any investigation of the reinsertion as required by 15 U.S.C. 1681i ( a ), which mandates that a consumer reporting agency must conduct a reasonable investigation when a consumer disputes an account. Equifax 's failure to perform this basic duty has deprived me of the opportunity to verify the legitimacy of this disputed account, which I maintain is fraudulent. 

Additionally, as this XXXX XXXX account is the result of identity theft, Equifax is obligated to block this account from appearing on my credit report once I have provided sufficient documentation. According to 15 U.S.C. 1681c-2, a consumer reporting agency must permanently block information stemming from identity theft upon receiving a police report or affidavit. I have submitted this required documentation, yet Equifax continues to allow the account to reappear.

Given these serious violations of the Fair Credit Reporting Act, I am requesting that the CFPB enforce Equifax 's compliance with the following : Proper notification of reinsertion, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

A thorough investigation of the disputed account in accordance with 15 U.S.C. 1681i ( a ).

Immediate and permanent blocking of the account per 15 U.S.C. 1681c-2 due to identity theft. 

Thank you for your attention to this matter. I appreciate your assistance in holding Equifax accountable to protect my credit and prevent further harm from this identity theft..
Consumer complaint received 2024-10-25
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. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-06-27
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO. (FL)

Purchased Cashiers Check for {$10000.00} on XXXX from Chase Bank in XXXX XXXXXXXX XXXX  Check made out to financial adviser in XXXX XXXXXXXX XXXX  and mailed to that company. Check was intercepted at some point and fraudulently cashed and deposited into account number XXXX at XXXX XXXX XXXX XXXX. We received copy of fraudulently cashed check in late XXXX and filed a declaration of unauthorized endorsement and submitted to Chase Bank, XXXX XXXX XXXX on XXXX. Chase Bank did not forward declaration form to their customer claims division until early XX/XX/XXXX due to an error on their part regarding who to submit to. Once submitted to customer claims we worked with them connecting multiple times to ascertain status of the case. We were told repeatedly that they were waiting for a response from XXXX XXXX XXXX XXXX and therefore were unable to return the money into account. On XX/XX/XXXX during a subsequent call to Chase Customer Claims we were informed that they can not pursue this matter as it involves a cashiers check. We were never informed of this during the multiple contacts and after XXXX months it feels disingenuous to be told you need to start over with another faction of Chase Bank. We have been out {$10000.00} since late XXXX and Chase Bank is refusing to assist or take steps to have the money returned to the legitimate owner. We feel this service is completely unacceptable and would like your organization to investigate this complaint.
Consumer complaint received 2024-11-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

I am a Bank of America customer for past 11 years ( since 2013 ). At some point in this XXXX bank of America converted my account to Advantage account as I have always maintained a healthy balance. 

XXXXXXXX XXXX XXXXXXXX  account is having a overdraft protection - I have never used it and never need that. 

Today I noticed that bank has changed me Maintenance fee of {$25.00} and upon checking with bank they are saying that I need to maintain a minimum balance of {$5000.00} as my balance dropped hence they are charging this fee. 

My appeal : I never opted for this advantage account. I never used any of the feature this advantage account has to offer. The bank has tricked/ cheated me with this account feature and now asking me pay a maintenance fee of {$25.00} for something which I never opted and never used in last 11 years with this bank. 
Request you to get my {$25.00} and investigate this bank as many other customers like me might be getting cheated this way.
Consumer complaint received 2021-09-16
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. (FL)

on XX/XX/2021 inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, US SM BUS ADMIN ODA.. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW AS : XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX  inquired on XX/XX/XXXX XXXX, US SM BUS ADMIN ODA inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX, XXXX inquired on XX/XX/XXXX XXXX, XXXX XXXX inquired on XX/XX/2021 ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt
Consumer complaint received 2021-06-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I reviewed my credit report and found items that are not mine. There are negative items that are not associated with me, the account as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX These accounts are not mine and should be removed immediately.
Consumer complaint received 2022-06-27
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: Experian Information Solutions Inc. (OH)

MADE ATTEMPTS TO CONTACT EACH COMPANY TO DISPUTE AND CORRECT ACCOUNTS BEING REPORTED WITH NO SUCCESS. LOCKED CREDIT PROFILE IN FEAR OF SOMEONE USING MY INFORMATION XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XX/XX/XXXX {$550.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$3600.00} XXXX XXXX XXXX XX/XX/XXXX {$260.00} XXXX XX/XX/XXXX {$120.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2021-09-16
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: Experian Information Solutions Inc. (CA)

On XX/XX/2021, I requested an investigation regarding inaccurate/erroneous items on my Experian credit file that were being reported illegally. I attached a copy of my credit report, I circled the disputed items that I needed deleted. I also included copies of my social security card, drivers license, utility bill to confirm my identity and the reasons why these items should be deleted. On XX/XX/2021, nearly two months after my initial communication with Experian regarding my disputes, which had not yet contacted me ; I decided to visit the CFPB website for help, I then submitted disputes with the CFPB. The Fair Credit Reporting Act states that the consumer reporting agencies have 30 days to complete a relevant non frivolous dispute, in some instances consumer reporting agencies have an additional 15 days to investigate. From XX/XX/2021, to present day over four months since my initial complaint, Experian has violated my consumer rights by failing to complete the investigations of these accounts listed below. 

XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX
Consumer complaint received 2022-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX accordance with the Fair Credit Reporting act XXXX Account # 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
Consumer complaint received 2024-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (RI)

On XX/XX/scrub>XXXX XXXX XXXX I received an alert on my phone about a collection being added to my consumer report by a company named IC SYSTEMS INC for a sum of {$750.00}. This company never contacted me by phone or through mail correspondence and took it upon themselves to report this collection on my consumer report. I called both XXXX and IC SYSTEMS INC to make them aware that this collection is NOT mine and that I disputed it before with the previous debt collection company named XXXX XXXX XXXX, who I sued and won and I sent them proof that I never lived at the address where the debt originated from. I had a Fraud Alert for 2 years on my consumer report during this time and yet they still have not removed the collection.
Consumer complaint received 2022-06-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

I had called the bank 's customer service 2 to 3 times last week to close a 12 month CD of my. The reason is very simple, I was forced to transfer the account over by XXXX and the APY is quite low. Their customer service first informed me that I can't transfer savings directly online and then said they can close the CD ( no fees ) and mail the checks to me. They said they need customer service to contact me again by phone to confirm. This process is ridiculous and the customer service is not professional. I waited for their calls for 1 week and did not receive a call from them until today!

So I was forced to file a complaint against the bank and ask for assistance in resolving the issue as soon as possible.
Consumer complaint received 2022-06-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

The date XX/XX/22 my account was finally close after a month waiting of the close, when they finally close I should wait a week for receive my found and already pass more the one month and they told me the fund are under review, I can not still waiting that was all my savings Im having bad situation because of these, the amount is XXXX
Consumer complaint received 2022-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Bank Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX & XXXX ACCOUNT 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
Consumer complaint received 2022-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion verified XXXX XXXX  as ACCURATE. 

The 'terms ' is reporting as " {$0.00} per month, paid monthly for XXXX months '. ( INACCURATE ) ( see attached contract ). 

The 'high balance ' is reporting as {$3100.00} ' ( INACCURATE ) ( see attached contract ). 

My rights to a complete and accurate report have been violated.
Consumer complaint received 2022-05-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CT)

An audit of the " Account 's '' XXXX shows wrongfully interference on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-06-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (TX)

Hello, New rez llc is my lender. Sold house XX/XX/XXXX. Lender has still refused to provide me my escrow amount. 
NR stated they mailed a check. Never received until very late. I had already called to tell them I never received it. 
Check was canceled and direct deposit was offered as an option to recover escrow amount {$4200.00} They told me it would be direct deposit XXXX Business days. 
Called several times trying to find a resolution and get the runaround each time. Always tell me they have escalated it up and filed a customer complaint. But still no resolution. How many times do I need to call? 

Thank you
Consumer complaint received 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (NY)

We own a restaurant in XXXX and during XXXXovid we were not able to pay our personal credit cards and loans so we called the credit card companies to defer the payments and to close out accounts to lower the interest rate. Now, I am current with the credit cards and trying to get pre-qualified to purchase a home but I can't get approved because of the 30, 60, 90 days late payments that were incurred during the end of XXXX through the beginning XXXX. According the the president, the late fees were not to be assessed during Covid and the the creditors would help out. Well, I come to find out that is not the case since I am trying to get pre-approved and my credit score is being effected from the late payments.