davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

I had a checking account with Chase that I had had for almost 10 years. It was a grandfathered account that had no monthly fees as long as my debit card was used at least 5 times each month. 

I was dealing with a brief period of homelessness, and had not used my account. When I went to check my balance, I had noticed it had been closed due to inactivity. 

I was not given any warning or notification that this was possible, or going to happen. 

What is more, I regularly logged in to online banking and used the chase app, which I feel should count as sufficient activity to prevent the account from being closed. 

I had been using the account all year, there was a lot of activity, including while I was overseas and using the card in foreign countries, as well as numerous quickpay transfers into my account. 

I contacted the company to reopen the account, however they said they would do so under no circumstances. As a loyal customer, I found this to be disappointing. Chase does not offer an equivalent account with a way to waive monthly fees by using a debit card 5 times a month. 

Additionally, I have lost all access to my banking history and statements, which I need to submit taxes as well as for legal evidence in future court cases. 

Ultimately, I do not think the level of activity was so low as to warrant closing the account, especially with no warning or notification and recent activity using online banking via the website and app.
Consumer complaint received 2022-04-17
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. (WI)

The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. XXXX, Equifax, and XXXX are companies not bureaus and they have no rights but I do. No consent or permission was given ( which is fraudulent ) to allow them to furnish any of the information they have listed below and I want it all deleted and blocked immediately. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15. 
XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX. Inquiries : XXXX XXXX XXXX XXXX, XXXX, XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, EQUIFAX MORTGAGE SOLUT XXXX XXXX XXXX XXXX XXXX Bankruptcy : XXXX XXXX XXXX  WI XXXX
Consumer complaint received 2021-08-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blitt and Gaines, P.C. (IL)

I am working with a debt collection company XXXX XXXX, we are settling a debt with XXXX XXXX. They turned the debt over to Blitt and Gaines P.C. and they have been unresponsive to any sort of calls or offers to pay the debt monthly or settle the debt. They are bullying me and anytime I call they harass me and talk to me as theyre going to seize my assets, sue me and garnish my wages. Theyve sued me civilly already and are currently garnishing my wages, all without any notice or options to pay the debt in a timely or helpful manner. I am unable to pay the large lump sum of 100 % of the debt they are requiring to satisfy the debt that Im sure they did not acquire the debt for. Theyve also been holding onto this debt for so long and making it accrue interest! Were trying to pay this debt but theyre being unreasonable yet theyre continuing to make the total amount due higher and higher! I have multiple debts in consolidation they are 1 of 2 that refuses to settle, but the only one that is being aggressive and a bully while not allowing any movement! Their tactics are horrible and unfair and definitely bullying. Me and my family are struggling now with making payments on our current bills and paying debt consolidation monthly, were stretched extremely thin with my wife just starting to get back to work somewhat. They never took that as a factor the last 2 years during this pandemic
Consumer complaint received 2020-01-23
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (KY)

Amount is over {$1000.00}, I had financial hardships in the past years while attending school and working two jobs. I still attend school and have become more knowledgeable about how credit works. I was young and took bad advice about getting a credit card. I was not informed about interest rates or what kinds there are. The credit card process was quick and given to me within 5 minutes. I honestly believe credit cards should be 21 and up. Point is, I had tried to connect with someone on this issue after I had missed payments after losing my job while attending school full time. The credit card company was hard to speak with because of either an accent or impatience. I am currently making payments of {$150.00} and it is crumbling me.
Consumer complaint received 2022-03-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Neon Newco Corporation (FL)

On XX/XX/2022 I closed my account with Netspend. I had {$450.00} in that account and they have been refusing to send me my refund of check to me. I have verified the address on file, Ive verified my identity, Ive verified the mailing address which the check needs to be delivered to. Ive been trying to do this for a month now and at this point they are stealing from me. Please help me
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: CBC Companies, Inc. (OH)

On XX/XX/2022, I sent a letter notifying you I demand all my information be permanently deleted from both the verified and unverified portion of your business as I NEVER gave you written or permissible purpose to advertise or furnish my information and pursuant to the FCRA ( Fair Credit Reporting Act ) you are willfully committing a federal violation. Within thirty ( 30 ) days, I asked that you give me written notice of following my instructions. You are willfully noncompliant and according to the FCRA are liable for federal violations conducted, should you fail to reply I will pursue legal counsel.
Consumer complaint received 2019-03-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

XX/XX/19 I sent {$250.00} via XXXX through wellsfargo and within 5 mins I realized it was a scam and called Wells Fargo to stop the transaction. They opened a case and told me they would investigate and sent me a letter that theres nothing they could do.
Consumer complaint received 2022-08-22
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. (FL)

XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear XXXX, I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX BANK Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX CO XXXX Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$1200.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX If after any reinvestigation under paragraph ( XXXX ) 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 promptly delete.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (OH)

I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. LexisNexis has gathered and is reporting false, inaccurate and fraudulent information on me as a consumer and has aided in the compromising of my financial reputation as well as causing emotional distress, defamation of character and other unseen injuries. 

LexisNexis has and is committing numerous violations of my consumer rights including but not limited to 15 USC 1681 ( a ) ( 1 ), 15 USC 1681a ( 4 ), 15 USC 1681b ( 2 ), 15 USC 1681c, 15 USC 1681e ( b ) and 15 USC 6801 ( a ) and many more which has been outlined in an Affidavit of Truth that has been mailed to them with a signed return receipt as proof of delivery. 

LexisNexis is a consumer reporting agency as defined by 15 USC 1681a ( f ). LexisNexis has been reporting false and fraudulently information they know is not true. I demanded in writing that LexisNexis stop reporting this false and fraudulent information and furnishing my report with this information. LexisNexis does not have my written instructions to furnish my consumer credit report. 

I have demanded that they remove all my information from their databases immediately. 

I also informed LexisNexis that a sufficient response to my Affidavit of Truth was an affidavit with rebuttal, point for point anything else would constitute as a non-reasonable response and that not only does my unrebutted affidavit stand as truth in commerce but that I can and will file fault judgement in favor of me, the consumer and the necessary actions will be taken against LexisNexis and XXXX XXXX.
Consumer complaint received 2021-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (AZ)

I demand the 30-day late marks reporting to my credit reports in error be removed right away. The 30-day late marks from XXXX and XX/XX/XXXX arent valid and are having a large negative impact to my credit scores and my ability to qualify for a new mortgage at the best interest rates. 

The XXXX mortgage loans ( accts : XXXX, and XXXX ) both show late payments for XX/XX/XXXX. XXXX loan acct XXXX was transferred to LOANCARE mortgage loan ( acct XXXX ) and shows a 30-day late payment for XX/XX/XXXX. Both the XX/XX/XXXX and XX/XX/XXXX 30-day late marks are completely invalid, and I demand for them to be fully removed from my credit history. 

I have attached the related, redacted copies of my bank statements showing each on-time payment made from XXXX of XXXX through XXXX of XXXX as evidence neither of my accounts were ever 30-days late, and the reporting is INACCURATE. 

This servicer was XXXX, they are no longer in business having gone into federally approved bankruptcy in XXXX. Additionally, when I researched the company, I can see they had a class action lawsuit filed against them for misreporting missed payments, so it appears they are damaging a lot of consumers credit reports wrongfully, not just mine. 

I would appreciate your assistance in investigating this manner right away and getting these late marks removed fully from my reports. 

As required by the FCRA, all aforementioned information/disputed items that are obvious errors must be deleted from my reports. 

As stated in the FCRA, or Fair Credit Reporting Act, Section 609 : 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 : ( 4 ) The dates, original payees, and amounts of any checks upon which is based any adverse characterization of the consumer, included in the file at the time of the disclosure.
Consumer complaint received 2021-11-01
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, Pa XXXX Soc Sec # XXXX XX/XX/21 Equifax Attn : XXXX XXXX - President, CEO & XXXX XXXX : Consumer Report Certified Mail # XXXX To XXXX XXXX : Under 15 US Code 1681 ( a ) ( 4 ) -Permissible Purpose of Consumer Reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. 

I, XXXX XXXX, never gave Equifax any written consent to report anything on my consumer report. No consent is Identity Theft. A copy of this law is attached with this dispute letter. 

Concerning cases listed below ( Exhibit A-Consumer Report ) as a Consumer, I am demanding that ALL information your company is reporting negatively including late reporting on these particular accounts be reported as on-time positively, with a Zero Utilization of each account immediately. I have attached the Exhibits
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have disputed this account information as inaccurate with XXXX XXXX XXXX and Equifax, and they have failed to respond. Under the laws of the FDCPA, I have contacted the collectors myself and have been unable to get them to verify that this is valid debt. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, Equifax is obligated by law to remove the item. There is a clear case of unverified debt here. 
If all three credit bureaus verify from the creditor why is it that only Equifax is the only credit agency reporting the false information. 
How is it that Equifax is the only company allegedly able to contact and receive a response from XXXX when they claim that the negative that is mines. I am attaching the original letters sent to both Equifax and XXXX asking for verification. I am also attaching proof of my identity as well as proof that the letters were submitted via USPS and picked up by a representative from XXXX and delivered to Equifax.
Consumer complaint received 2021-08-11
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. (PA)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. There's no response was ever received from them up until now. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of items that are still reporting on my Credit Reports : 15. XXXX Date of Inquiry XX/XX/2020 16. XXXX Date of Inquiry XX/XX/2020
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties. This looks SUSPICIOUS AND DECEPTIVE ; I demand proof TO SEE valid authorization/proof of alleged debt. Reporting without valid proper disclosure requirements is in direct violation of my consumer rights. I XXXX XXXX, legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these regulations by the FTC U.S C41, et Esq. I am maintaining a careful record of my communication with your company.
Consumer complaint received 2021-08-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Conn's, Inc. (GA)

I was ambushed by this company by a fraudulent advertisement in the store, the sign said 24 months same as cash, after opening the account went in to make my first payment only to find out it wasnt 24 months same as cash but 12 months same as cash, so I panicked to try and get the account paid off before the 12 months, I felt since they hadnt explained it therall to me on the end of the contract I needed 2 more days to come up with the full amount, Got an associate on the phone that needed to get approval from a manager and he put me on hold came back to the phone saying he had gotten it approved so I called back a few days later to pay the account off and the new associate had no clue of what I was talking about but these calls are recorded, but they claimed they did an investigation and they didnt find anything which is ironic, because upon taking payment or setting up payment arrangements the calls are recorded.So long story short I ended up paying hundreds of dollars in interest fees because after they didnt hold up there end of the bargain the account nearly tripled I struggled to pay it off which I finally did but had nemerous late charges and late payments I was devistated. I had a total of 3 accounts with this company now I only have 2. I had no clue what to do, plus they were reporting late payments to my reports during the height of the pandemic XXXX and XXXX of XXXX also XXXX and XXXX of XXXX
Consumer complaint received 2021-12-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: GOLDMAN SACHS BANK USA (TX)

i have contacted Goldman Sachs at XXXX in regards to the interest rate that appears to be a subprime consumer rate and informed Goldman Sachs about this and the customer service isn't able to rectify this issue my credit score is in the mid XXXX 's and i dont want this rate.
Consumer complaint received 2021-08-09
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (WI)

I applied for a mortgage loan with Chase on ___XX/XX/XXXX____. XXXX XXXX was assigned as my loan officer. As a first time buyer I had LOTS of questions. I was very transparent about my jobs ( 1 full time during the school year, and a full and part time during the summer 3 jobs total. ) I made it very clear that my school year job was the job that Ive been with the longest and the other 2 I just started this summer. Per XXXX, this was fine and would be counted/weighed in the decision. It was later told to me ( after getting an accepted offer ) that only my school year job could be counted. 

This is just one of many instances of misinformation that has taken place. 

1. Incorrect info on which jobs can be counted 2. Incorrect info on FHA guidelines for bankruptcy dismissal 3. Requesting documents from my realtor pushing her to add wrong information ( i.e. offer to purchase was initialed because my offer was countered. They kept insisting that the sellers need to fully sign. This is incorrect ) 4. My realtor emailed XXXX the XXXX receipt on XXXX to which XXXX responded that she would upload that document. I had to resend and eventually upload it myself. 
5. On XXXX my realtor sent the accepted offer with all appropriate documents in one PDF in order ( counters included ) she also included an overview of the offer. XXXX continuously gave wrong information about the offer ( purchase price etc. ) even after my realtor referred her to the counters, which overrides the offer. 
6. Verbally ( and in email ) denied me due to a bankruptcy dismissal- then sent a denial saying it was due to insufficient funds - however I have provided them with proof of funds needed to close. 
7. Closing disclosure showed that I needed XXXX to close, but this amount is incorrect due to the XXXX grant they said they were giving me. They were called out on this but had no answers 8. XXXX moved numbers around to make it seem like I had XXXX in my account I have never made any claims of having that much saved. 
9. I reached out in regards to my good faith deposit asking when will I receive my refund back. Nobody responded to my email or reached out in regards to the situation. 

10. Escalation team, managers and supervisors were all reached out in regards to this matter but no one helped.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (TN)

opened up a secured line of credit / loan with the bank and the product reported as a revolving line of credit such as a credit card and I took a 95 pt loss on my score. this was being apart of the wealth management division of usbank.It has taken me longer than 1.5 years to get my score back up that high due to how its reported as an evergreen product.