davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AXOS FINANCIAL, INC. (WA)

This the XXXX time my mortgage servicing company XXXX Axos Bank  XXXX has failed to apply my payments to my accounts since the loan was originated XXXX  months ago. The previous XXXX issues were resolved after many hours spent on the phone and reversing late payment charges. I am requesting assistance from CFPB for systemic issues with AXOS bank. 

I have setup automatic payments through AXOS website for 'the statement amount ' and additional principal of {XXXX}. On XX/XX/XXXX XXXX was debited from my checking account by AXOS. AXOS shows this transaction within my account but has failed to apply the payment to the mortgage. As a result they show my mortgage as past due and have issued late payment fees and interest. AXOS claims that my payment was increased by {XXXX} as a result of escrow recalculation. AXOS has failed to provide any notification of this recalculation and actually refused to provide the calculations to me. Simple math projections show this increase in escrow is not justified. Further AXOS has failed to provide account statements since XXXX of XXXX. I have not received statements for the months of XXXX, or XXXX.
Consumer complaint received 2021-08-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MA)

My credit card was charged with fraudulent XXXX calls totaling {$23000.00}. I complained to Chase Sapphire and they reversed initial charges and issued me a new card. The following month they reversed the credits as well as added new fraudulent XXXX  charges. In summary Chase posted a total of {$23000.00} fraudulent charges with credits of {$11000.00} and a remaining balance of {$11000.00} still on my credit card. 
I have been talking with Chase bank for three months and they have done nothing to assist. They suggested I contact XXXX and ask for specific charge information which I have done. I received an email from XXXX telling me they could not provide requested information and that my ticket was now closed. 
Final correspondence from Chase Bank was that these charges were mine unless i could prove they were not. I simply do not know how I can prove something I never did. 
As a result of this Chase Sapphire dispute, Chase Bank reduced the credit line on an my other card, a Chase XXXX  XXXX, due to the disputed balance on my Sapphire Card. My Chase XXXX  XXXX card has always been paid as agreed.
Consumer complaint received 2023-04-14
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. (ND)

Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. i have include a copy of my social security my driver license and bank statement for verification. f you are unable to verify the account with the original contract, with my signature the information should be removed from my credit report immediately
Consumer complaint received 2022-01-13
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. (TX)

I HAVE NEVER GIVEN XXXX, XXXX OR EQUIFAX ORAL OR WRITTEN CONSENT TO PLACE THESE ACCOUNTS ON MY CREDIT FILE. THIS IS ALL FRAUD '' XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX and XXXX ACCT # XXXX XXXX. XXXX XXXX XXXX. THESE ACCOUNTS NEEDS TO BE DELETED XXXX IS VIOLATING MY RIGHTS AS A CONSUMER THIS IS FRAUD. 

XXXX EQUIFAX IS VIOLATING MY RIGHTS AS A CONSUMER AND THEY NEED TO DELETE THESE COLLECTIONS IT IS FRAUD. 

XXXX XXXX IS VIOLATING MY RIGHTS AS A CONSUMER AND THEY XXXX XXXX XXXX THESE COLLECTION OFF MY CONSUMER FILE
Consumer complaint received 2022-07-26
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. (NY)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022, Equifax XXXX XXXX XXXX XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXXXXXX I believe it was reporting in error.
Consumer complaint received 2022-11-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: BlockFi Inc (WA)

I am a customer of Blockfi online digital asset service. I hold funds in Blockfi 's Wallet where funds are owned by me based on their terms of use. I receive no interest from my wallet holdings and these assets are supposed to be available for withdrawal pending a reasonable processing time. I have requested a withdrawal of my funds but have not received funds and have reason to believe that my fund 's withdrawal request is being denied in violation of the terms of use.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have checked my credit report and saw a late payment that I was not aware of. I always make sure to pay on time. Below is the late payment appearing XXXX XXXXXXXX I wanted this late payment appearing removed from my credit report.
Consumer complaint received 2021-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XXXX, I requested my 3 credit reports from XXXX XXXX XXXX XXXX XXXX through certified mail. My request arrived on XXXX. On the request form it clearly states my request would be processed within 15 days. It has now been more than 15+ days with no credit reports or mail communication. I am in dire need of my credit reports as I can not operate as a consumer if I cant see my credit information. I am losing consumer time & confidence.
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (OH)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA XXXX. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2021-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (OH)

I have had some issues with someone accessing my credit file and using my personal information and at this time I would like to request a credit freeze/ Block all access to my file and contact me directly at my phone XXXX or email me at XXXX. I need a PIN for all my credit reports asap.
Consumer complaint received 2021-03-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION (IL)

I have been a customer and loyal user of Simple bank for many years. Simple was a " neobank '' which provided a unique, progressive approach to budgeting and bank account management, and has helped many customers, myself included, get out of debt. It was bought by BBVA USA several years ago, and XXXX transitioned to provide the FDIC-insured accounts for customers of Simple. 

A merger between XXXX and BBVA USA was announced last year, and news of this was communicated to customers of Simple. 

On XX/XX/XXXX, Simple communicated to its customers that, as part of this merger, the service was being shut down and that account-holders would transition to traditional XXXX accounts. On XX/XX/XXXX of this year, access to the Simple app, along with the various features that have helped many customers get out of debt, will be shut down. Account holders will be given traditional accounts with higher fees and an app with less features. 

Although I'm sure that these actions are not illegal, it feels like they should be. A ( virtual ) board room of bank executives should not be able to make a unilateral decision that affects hundreds of thousands if not millions of people and forces them to seek out other solutions which are not as technologically mature or functionally equivalent. The problem is not that we're being shut out of bank accounts. The problem is that we're being shut out of the technology that has helped us manage those accounts.
Consumer complaint received 2022-07-26
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. (TX)

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under -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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

-15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY (NY)

I AUTHORIZED A TRANSFER FROM MY CHECKING ACCOUNT TO PAY A CREDIT CARD BANK IN THE AMOUNT OF {$500.00} ON XX/XX/2021. I NOTICED THAT THE FUNDS WWERE NOT CREDITED BY THE CREDIT CARD BANK AS BEING RECEIVED. WHEN I CHECKED THE BANK FROM WHOM THE FUNDS WERE WITHDRAWN FROM MY CHECKING ACCOUNT, THEY COULD NOT PROVIDE A CONFIRMATION NUMBER OR INFORMATION ON WHERE EXACTLY THEY TRANSFERRED THE MONEY. I HAVE BEEN KEPT ON HOLD FOR OVER AN HOUR WITH THEIR REPS WHO CAN NOT RESOLVE THE ISSUE. I CALLED THE BRANCH WHERE THE ACCOUNT IS HELD AND THEY ALSO CAN NOT PROVIDE ME WITH NO INFORMATION ON HOW THE FUNDS WERE TRANSFERRED TO AND COULD ONLY SUPPLY THE NAME OF THE CREDIT CARD BANK WHICH INFORMATION I HAD ALREADY. IT IS NOW OVER A WEEK LATER AND I HAVE BEEN CHARGED EXTRA FINANCE FEES BY THE CREDIT CARD BANK AS WELL FOR NOT BEING CREDITED WITH THIS PAYMENT
Consumer complaint received 2022-07-26
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. (MO)

I am submitting this complaint in regards with the Credit Reporting Agencies incompetence and non-compliance with their job and the FCRA regulations. I was frustrated to see that the Credit Bureaus have been doing nothing to correct my Credit Report from erroneous reporting. I have been sending dispute letters to the Credit Bureaus from XX/XX/2022 to XX/XX/2022 requesting that the Credit Bureaus correct the information being reported on my Credit reports and yet they have not responded to my written requests. Is it that hard for the Credit Bureaus to update and correct the information from my Credit file? Every time I take a look at my Credit Report, it is clear that the information being presented are OUTDATED AND INCORRECT which caused misleading of information. For a long time already, the Credit Bureaus have failed to conduct a proper verification of the items and continued reporting! It is just absurd to think about it. The Credit Bureaus were provided by federal law to conduct proper investigation and respond to my letters within the time allotted in which they have failed to do. I am now submitting this complaint to request not the correction nor update but the COMPLETE REMOVAL OF THE DISPUTED ITEMS FROM MY CREDIT FILE : XXXX. XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX  XXXX XXXX, MO XXXX XXXX. XXXX OF XXXX XXXX Balance Owed : {$1200.00} XXXX. XXXX XXXXXXXX XXXX Balance Owed : {$490.00} XXXX. XXXX XXXX XXXX Balance Owed : {$10000.00}
Consumer complaint received 2023-04-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

I use to have a chase banking debit card from last of XX/XX/ but some how some body sent me a check on my account that use to have with chase banking with cause my bank account to close which am have a hard time to reopen a tradional bank account at any financial institution as of right now which I Had no knowledge of this transaction not until I received the phone from bank tell me they would Involutary closer of account. The amount was deposited on my checking account was checks {$4000.00} XX/XX/. 
Thank you for your help
Consumer complaint received 2021-07-14
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. (NC)

Transunion is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.
Consumer complaint received 2022-07-08
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. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-03-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Incomm Holdings Inc. (CA)

I had purchased two Vanilla Visa gift cards from XXXX supermarket as bridal shower gifts for my daughter-in-law and gave it to her on XX/XX/XXXX. 
Later when she tried to use the cards she found out that there is only {$1.00} on each card. 
She informed me about this issue and I called the XXXX which was on the back of the cards, I was told that the both cards have been used on XX/XX/XXXX in a XXXX XXXX XXXX. 
I informed them that these charges are fraudulent and disputed the charges. 
Their dispute department sent me an application to fill out and email back to them. I received an Email back saying that it will receive complete resolution within 45 to 90 days which is a ridiculously long time. 
The Vanilla Gift card is not a reliable company, the scammers are either within their own company since they are the ones who know when a card is activated or they don't have the proper security to protect their customers. 
After this incident I searched the reviews on these cards and found out that their rating is very low and this disputes happen very often.
Consumer complaint received 2022-10-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: World Acceptance Corporation (MS)

Read the attached complaint document for the full description. Your company has dishonored this agreement by charging me in an excess of the maximum APR yield percentage allowed by the state of Mississippi. I have tried to contact and dispute this with your XXXX XXXX XXXX, XXXX and I have not received a response from your company yet. Your company has been reporting information to the consumer reporting agencies without my permission and violating the law about reporting negative information.
Consumer complaint received 2021-06-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TCF NATIONAL BANK (MN)

I just opened a checking account with tcf bank like XX/XX/XXXX Few weeks afterwards i was having problems getting information about my tcf account. To know : balance info and such. Tcf agents to me all i would have to do is go into any tcf branch and request a new ATM card. Still questioning to myself why my card doesn't work. but what ever. 
Weeks later XX/XX/XXXX i go into a tcf bank with my ATM card and request for a new Atm card.. 
Well this bank teller is now telling me my account is closed and was closed on XX/XX/XXXX. and there so reason to why it was closed. 

I demanded my money that is setting in that account. Sum of {$1200.00} dollars that was just deposited this morning at XXXXXXXX XXXX 
The teller says the money isn't in your account but tcf does have it and you'll have to wait for a check from tcf. And you'll receive that in about 15 days. the teller states. 
I said no way i need my money now. XXXX and complained is all i could do. 
Knowing theres bank tellers dont know what to do either. 

I want and need my money now. Not one person in tcf corp office will return my call or call me back. 
I did file a police report because tcf stold my money I
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (KY)

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 the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.