davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On or around XXXX I made a purchase of an electric fireplace for {$96.00} from an advertisement on XXXX. I used my Bank of America debit card for this transaction. I never received the purchase and tried reaching out to the merchant to no avail. I contacted Bank of America and disputed the transaction. They credited my account and began an investigation. About 2 months later they took the money back out of my account and sent me a letter stating that I had received the purchase, which I had not. I called them several times and sent the following letter. I also sent a complaint to Bank of America complaint department. I have found out in speaking with several others that Bank of America has been denying claims from it's customers. Maybe it's time for the consumers to withdraw our funds and go to other banking institutions that are more sensitive to the consumer needs. 






Bank of America Attn : Debit card operations XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/2021 Re : Claim # XXXX Amount : {$96.00} Dear Sir or Madam : I am writing to dispute a determination to remove the amount of {$96.00} from my account based on a claim I submitted for the order of an item that I am not in possession of or was never in possession of. 

The determination is inaccurate because the merchandise I ordered was never delivered. I live in an apartment complex and there is no porch to my building and the USPS tracking slip says it was delivered at the front door or porch at XXXX on XX/XX/2021. However, it does not give an exact address it says XXXX, NJ XXXX. 

When I get deliveries to my apartment the XXXX, XXXX XXXX, XXXX person or the mailman rings the buzzer to be let in the building if the packages are too large to go into my mailbox. 

I work from home and I am here at my apartment every day, and if I am not here my daughter or husband is here. 


Please find enclosed the copy of 2 emails I sent the seller regarding the purchase of an electric fireplace in the amount of {$96.00}. As you will see I never got a response from the seller which raised my suspicion that the transaction was fraud and that is why I filed a dispute. 

Please thoroughly investigate the nature of the claim before deciding to decline my claim again. 

Thank you in advance.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (WA)

Since XX/XX/2022, my Equifax credit report is null, plus I get various errors as soon as I sign on, in a blue box, like : Please give us a call and give this code to the Agent : XXXX  Your Equifax credit report and score are not available at this time due to a technical error. Please call XXXX XXXX at XXXX ( XXXX ). 
Our call center hours are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have called Equifax and exchanged emails with XXXX, many times for over XXXX XXXX They give me various escalation cases, yet never solve their website issues. This applies to both XXXX and XXXX XXXX browsers. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX sent to technical dept XX/XX/XXXX : ticket number is XXXX, from XX/XX/XXXX email. ref : XXXX : ref XX/XX/XXXX : New ticket : XXXX XX/XX/XXXX : Escalated AGAIN - case XXXX Report is currently null with garbage dates. 

Example : " Report date '' says Invalid date " Length of credit history '' says XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are all left blank
Consumer complaint received 2021-05-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION (CO)

This has been going on so long I can not remember the exact date it started. I have tried writing the company and calling them. I can not get a response regardless of what number XXXX use to call or address I use to write them. When I make my monthly payment the recording always states I owe more than my payment. This is having an affect on my credit rating. Out of frustration and desperation I finally paid the amount they said was due but it did nothing for me. This month the same thing happened again. I have requested a hard copy of all my payments and can not get them to send one. I want a hard copy that shows how, when and why they keep coming up with their amount due. They do not cooperate at all or respond. I know for certain this was going on as far back and probably further back as XXXX of 2020. Can you please help me out of this mess? I am XXXX XXXX XXXX and feel they are taking advantage of me. Thank you.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

I started the dispute process with this company, as some inaccurate information is been report in my Credit profile. The Dispute process started on XX/XX/2019 with follow ups disputes and this company have not send me any mail or dispute results to my home address, I submitted my ID and proof of address so they can located me, their is not excuses of why i am been ignored on my requests, by law they have the obligation to look into this inaccuracies information. Please see attached and help to resolve this matter soon as possible..
Consumer complaint received 2021-05-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NC)

My minuim payment due has been {$35.00} for quite sometime and for higher balances than the one i currently have. Chase claimed they sent a letter in XXXX stating the increase would take effect after XXXX. Card holders had to XX/XX/XXXX not to accept these terms, close their card account and keep their miniumn payment at $ XXXX  monthly. I never got the letter and was just told even if I agree to close my account i still have to pay $ XXXX monthly because i missed the deadline. 
I'm XXXX old on a fixed income and {$5.00} a month more to pay is a lot to me. Even if I could afford the increase I am still going to file for bankruptacy because I am done with the XXXX banking system in Amereica! At the height of a pandemic Chase bank felt justified to squeeze even more money out of it's clients. They're XXXX! I hold our government responsible for being the enablers of these XXXX   because for decades both Dems & Reps have XXXX the XXXX  of bankers granting them whatever they wanted! I never wanted a credit card in the first place and only got my first one at age XXXX simply because a Chase banker insisted i needed one to raise my credit score.That 's a rigged system! I see America as the dark force of the world not the beacon of light it pretends to be. Most of the world is now realizing that too!
Consumer complaint received 2022-05-14
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. (GA)

For the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 1692C states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1692C section 5 : states not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt
Consumer complaint received 2022-04-06
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: PNC Bank N.A. (GA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against PNC BANK CONSUMER CREDIT BUREAU for committing identity theft. I have never given PNC BANK CONSUMER CREDIT BUREAU any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from PNC BANK CONSUMER CREDIT BUREAU before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If PNC BANK CONSUMER CREDIT BUREAU can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

The status of this account reporting as a Charge Off is an inaccurate account, which is a violation of 15 U.S. Code 1681e ( b ).

The continued reporting of this inaccurate information is a clear violation of15 U.S. Code 1681s-2of your responsibilities as a furnish ofinformation & 15 U.S. Code 1681e ( b ).

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until PNC BANK CONSUMER CREDIT BUREAU can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and PNC BANK CONSUMER CREDIT BUREAUcontinues its collection efforts, I will file for litigation for actual damages caused and PNC BANK CONSUMER CREDIT BUREAU will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-04-26
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. (CA)

In XX/XX/2021 I was buying a car when the dealership told me I had a low credit score due to late payments on CHASE credit cards. In contacting both the credit bureaus and CHASE I have discovered two accounts were fraudulently opened, but have since been closed with dates unknown. The following are the alledged accounts ending : # 1 Falsely Alleged CHASE Acct. # : XXXX # 2 Falsely Alleged CHASE Acct. # XXXX I have filed a police report and completed an FTC Affidavit.
Consumer complaint received 2022-11-18
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: EQUIFAX, INC. (GA)

mailed to XXXXequifax/XXXX and I asked for a verify/and or validate this alleged debt owed to XXXX XXXX also requested the contract and signature that I provided to XXXX XXXX  ( which I never have had any business with this company ), also they are violating many consumer right code, they are violating my consumer right to privacy pursuant to 15 USC 1681 b this company has NO permission to report anything using my personal info pursuant to 15USC 1681 4. Also they are violating the consumer law by adding interest to this alleged debt Consumer rights that are being violated 15 USC 1681 b 15USC 1681 4 fair debt collection practices act, section 809 ( b ) : validating debts b ) Disputed debts If the consumer notifies the debt collector in writing within the XXXX-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the XXXX-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the XXXX-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Consumer complaint received 2020-07-01
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. (NY)

XXXX XXXX/XXXX XXXX  XXXX/XXXX XXXX XXXX XXXX XXXX All these accounts were proven as fraud and Experian  along with XXXX  has done nothing to fix it they have not once reached out to any credit card company on my behalf to dispute any information and this was confirmed by all the creditors up top above this statement. I personally called the creditors after 2 years of thinking the credit bureaus were on my side and they were not they are a bunch of lying frauds from other countries who tell you anything to get off the phone and never I mean never have a explanation as to whats going on.
Consumer complaint received 2022-10-07
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. (MI)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, Base on, 15 U.S. Code 1666 ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor, because I am a victim of identity theft! Please remove these accounts as soon as possible!

Based on.

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of my information, the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt.

Its been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible! 



UNAUTHORIZED ADDRESSES : XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX Accounts : XXXX XXXX Bankruptcy Account XXXX Account XXXX Balance XXXX XXXX  {$0.00} XXXX XXXXXXXX XXXX Account XXXX Account XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Account XXXX Account Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Account Opened XX/XX/XXXX Balance : {$420.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Opened : XX/XX/XXXX XXXX : {$420.00} Unauthorized XXXX : Inquiry Name : XXXX XXXX XXXX Inquiry DateXXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXXXXXX Inquiry XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Please Remove XXXX XXXX XXXX  and it's other names ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX from my credit report.
Consumer complaint received 2021-10-27
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: eMortgage Funding LLC (MD)

Below is my email to the company as the officer refused to continue talking to me on the phone to resolve the issue. 
Dear Mr. XXXX : On XX/XX/XXXX my husband and I signed a legal document provided by a Notary Officer from your company on the agreed terms of our loan to refinance our property at XXXX XXXX XXXX, XXXX, XXXX as discussed over the phone with an interest rate of 2.25 % for 15 years. This rate was locked and we had a plan to close at the end of this month. On XX/XX/XXXX your office called me that we will be closing on Monday XX/XX/XXXX and I demanded for the final documents to go over it before Monday. When the document was shared, I noticed that the rate was changed from 2.25 % to 2.27 % with no prior information. I informed XXXX about the new rate and he promised to contact you to find out what happened. I never heard from you or XXXX regarding my concerns, even in exchanged emails regarding the other property which will be a different topic, I continued to ask for explanations which you never put down in an email except for the XXXX documents asking us sign. Today, XX/XX/XXXX, I called you regarding the Closing and the interest rate that was changed, your explanation was that the lender/underwriter changed the rate when my loan was presented as a second rental property ( which you have all the details ) prior to providing us with the rate of 2.25 %. I told you that this was illegal practice because as long as my rate is locked, a lender can not change my rate as long as we closed at the agreed upon date. 

As soon as I told you the illegality of your action, you decided you were not going to continue to discuss with me over the phone not to implicate yourself and went ahead to void the XXXX. 

At this point, I am asking you to follow due process to reinstate my loan terms as agreed and take me to Closing by the end of the month. I have also copied the Consumer Protection Office of my county to seek a mediation first before any other legal recourse because I believe this is a federal crime. 

Many thanks XXXX XXXX
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have sent out letters on XX/XX/2022 asking to validate the hard Inquiries left on my Credit Reports, respectfully, to each of the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Not a single company has responded. So I reached out to XXXX, Equifax, and XXXX to VALIDATE the hard inquiries, and to provide substantial Evidence and information such as, Signatures, Forms, and applications for the entire month of XXXX and XXXX of XXXX, which was sent formally though USPS on the 1st of each of those months, and I have yet to have a formal Response Via USPS as of today, XX/XX/2022. 

Since I have not received not 1 single letter from the Credit Reporting agencies and or the organizations that have marked my credit I am asking for the Consumer Protection Financial Bureau Investigate the " Hard Inquiries '' on all of my credit reports. If there is no information keeping these inquiries on my account, Then, Per 15 U.S. Code 1681i, this information shall be deleted.

( A ) In general if, after any re-investigation 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 reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2023-01-09
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. (TN)

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account name 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
Consumer complaint received 2020-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TN)

JP Morgan Chase is refusing and has refused to answer because it proves a felony has been committed by them and it is in progress. JPMC EMPLOYEES ARE AWARE THEY ARE BREAKING THE LAW. 

THEY VOIDED INTEREST IN THE CONTRACT BY FRAUD. 
The issue is that JP MORGAN CHASE can not explain their actions without incriminating them selves. THE ISSUE HAS NEVER BEEN ANSWERED FOR THAT REASON. 

JPMC employees know that I can prove that they are aware that the breach of contract was to their detriment and liability. 
If they answer with a real answer they will be admitting wrong so they refused to answer because their intent is to steal property. 
JPMC is aware that the law was broken by their actions once that occurred every action since was to ignore their wrong doing as they try to take my home. 
this complaint has never been answered they only deflect and gas light the issue. 
XXXX XXXX mortgage law says that they embezzled money when my money was applied to another property my pdf that I sent proves wrong doing then the lack of corrective action proves criminal intent. 
obviously telling me every month from XX/XX/XXXX-XX/XX/XXXX that I had insurance was fraud because I did not have any insurance. 
the pdfs I send show that there was a checks and balance system that was never used. 
once the contract was broken by them I can not break it because it is voided in XXXX since they voided the contract they refused to do the right thing and own up to it and make restitution. as a result of their actions I was put under so much stress it caused a XXXX XXXX my life was shortened by this event. 
please bring in the FBI. Financial frauds Div. because insurance frauds and MTG fraud are not all that JPMC has done, EXTORTION IS TAKING PLACE RIGHT NOW.