davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NV)

i went to apply for food stamps as XXXX XXXX XXXX  in XXXX az district court keeps writing forged child support orders in order to take half of my social security money monthly. hes been doing it for two plus years for bribes from XXXX XXXX or whatever her next name is. now its XXXX I think and she is till filing my suits XXXX  them from my flash drives, computers and more with congress in all 50 states for the money. she XXXX  her money along with donald trump sr. through XXXX XXXX, XXXX, XXXX, XXXX XXXX. XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX, ... and the clerk at DES food stamps in XXXX nv, said that three accounts came up on her screen that were open that I had already closed years ago. one was Chase bank opened in XXXX and XXXX went into to it in XX/XX/XXXX and out in XXXX XXXX i went to chase and it appears that someone opened it XX/XX/XXXX with and XXXX Deposit THE XXXX XXXX XXXX PAYMENT XXXX ... XXXX. I CLOSED THIS ACCOUNT AS I DO WITH ALL MY ACCOUNTS BUT XXXX XXXX REOPENED THEM FROM ME, .. FROM ME. 
I WENT TO CHASE AND WHAT WHE SAID WAS TRUE, AND I WAS GIVEN XXXX IN EXCESS OF MY CLOSERS. ACCOUNT ENDING IN CHECKING # XXXX IT IS BEING USED IN MI, IN, GA NC SC XXXX XXXX CHECKING ACCOUNT. I CLOSED IT BUT XXXX XXXX  XXXX XXXX XXXX XXXX, MI ALSO REINSTATED CHARGES FROM MI, FL, ELLECTRONICS.
Consumer complaint received 2021-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX TO : XXXX XXXX, Co-President and Chief Operating Officer for JPMorgan Chase RE : You Violated the United States Code Law ( TILA 15 U.S. Code Ch 41 Consumer Credit Protection ) Open End Credit Plan and Open End Consumer Credit Plan ( j ) terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open-end consumer credit plan which is an open-end credit plan or open-end consumer credit plan within the meaning of the preceding sentence is an open-end credit plan even if credit information is verified from time to time. 

Let me break these laws down On XX/XX/XXXX you closed my account without my approval. 
I was never late and always paid on time. I gave you a security instrument which was my signature. What law says that you can close an open-end credit plan without my approval? A closed account is never closed. Once something is open it's always open, Im just not getting any benefits from it. Under 15 U.S. Code 1602 Truth in lending act I am the original creditor, therefore you can not close an account without my written consent. 

Due to your adverse actions and unfair credit card practices ( TILA 15 U.S.C. Ch 41 ), for the past 5 years I have suffered damages such as XXXX XXXX and XXXXXXXX because now I have high interest rates because of the information that you reported on my report. These are damages that no one can tell me how much they are but me as the consumer. You dont know what Ive incurred over the past 5 years. Ive spent 5 years trying to clean up my consumer report. You dont know that Ive tried to get loans from 10 different banks to help pay my grandmothers medical bills. Now my interest rate is 29.99 % because your people have spilled and compromised my information which is identify theft. Under TILA, FCRA and FDCP I did not give you written consent to close my account. This is a FDCPA violation. You violated me. I have rights as a consumer which you violated. You defamed my character. 

JPMCB CARD SERVICES - XXXX Sincerely, XXXX XXXX
Consumer complaint received 2022-01-10
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. (FL)

I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.
Consumer complaint received 2022-01-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (NC)

. In summary, our complaint is that, XXXX days after the scheduled closing date and only XXXX days before the expiration of our Offer to Purchase -- when we would forfeit the Due Diligence and Earnest monies amounting to {$13000.00} -- the Wells Fargo loan officer made wild and unfounded claims about the property only XXXX days before the expiration of the OTP ( that the house was dangerous, uninhabitable and ready to cave in ) and, on the basis of those claims, insisted, for the first time, that the mortgage would not be provided until foundation repairs would be carried out PRIOR to closing. This put us in an impossible position as the sellers would not agree to carry out the repairs ( the OTP specified as is ) and they also would not agree to an extension of the contract giving us sufficient time to seek a loan from another institution. At the time, Wells Fargo knew that we had contracted an expert company to repair the foundation ( costing over {$13000.00} ) which was to be carried out on XXXX XXXX. Obviously, we could not carry out the repair if ownership was not first transferred to us and, even if we could, we could not be sure that it would be sufficient ( the loan officer had also complained for the first time about the roof, the kitchen cabinet, the deck, the windows and the lack of carpeting in the bedroom, all of which we were going to replace after the closing ). As a result, we suffered the loss of our due diligence and earnest monies and were subjected to significant stress which has taken a toll on my health ( I am XXXX XXXX XXXX ). As described below, we first sought to complain to Wells Fargo, first to have the loan officers decision reviewed before closing and then, failing that, to corporate headquarters about the arbitrary and unprofessional treatment we received that resulted in our significant loss. Unfortunately, as communicated to us on XX/XX/2022, Wells Fargo will not recognize any error on their part, despite that it is so blatantly obvious and indefensible.
Consumer complaint received 2022-01-11
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: EQUIFAX, INC. (TN)

I have been attempting to get pre approved for a mortgage for 3+ months. Equifax has my social security number paired with the wrong credit report, so when I give them my SSN it does not reflect my accurate credit report. They can see my profile using my address but my social security is not attached to me. XX/XX/XXXX they told me to fax a copy of my ssc and ID with a letter stating what I needed fixed. I have done this 3 times and not once have they updated my information or can even find the sent in documentation. I attempted this 3 times over the course of XXXX & XX/XX/XXXX. I followed up after the last sent documentation from XXXX XX/XX/XXXX. On or around XXXX XX/XX/XXXX they proceeded to tell me that they do not use fax and for the first time was told to send the documentation to XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I sent the letter including all documentation on the XXXX of XXXX and still no result/ update of credit report. I need to get pre approved for a house because I am XXXX moving in XXXX and need to be in a contract by XXXX XXXX assuming 30 day closing time period. I have talked to 10+ Equifax agents and 3 supervisors and nothing happens. I even asked, although they do not fax anymore, if they could search the old faxes to find the proof of my social and name. Still to no fail nothing has happened or any sort of progress made. They are effecting where my family and I are going to live if they do not resolve this issue. Please someone help us. Thank you.
Consumer complaint received 2022-09-13
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXXT XXXX Date Opened XXXX XXXX, XXXX Balance : {$0.00}
Consumer complaint received 2021-10-27
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX-Balance XXXX XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX-Balance XXXX XXXX Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Balance {$310.00} XXXX XXXX XXXX-Balance {$5000.00} XXXX XXXX-Balance {$0.00}
Consumer complaint received 2022-03-16
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. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-10
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. (OH)

This third party collection agency XXXX XXXX XXXX, I have no knowledge to whom this company is nor why they have my personal information attempting to collect a debt. Since I have no knowledge of this company nor have ever heard of them, this needs to be removed from my credit report. I thank you in advance for carefully looking into this matter on my behalf to remove this creditor and this account. Also, I still see my name misspelled of my reports that I have requested to be removed. Please remove those names off of my report. Each one of them seems very suspicious that they would be on my credit report.
Consumer complaint received 2019-04-17
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. (IN)

For the past two weeks I called Transunion and XXXX Bank a minimum of 7 times. Transunion has no record of me and told me that it has been mixed up with another person. I had to have XXXX bank verify with a Transnunion rep to confirm that my profile is fragmented. XXXX bank was able to identify the problem using tools to look up my profile with or without social security #. Transunion reps. asked me if I had a tax ID # implying that I wasn't from the U.S. or asked if I had a mispelling of my name etc. Currently I don't exist and have been asked if I even had credit. XXXX for example has all my credit information. It is impossible to speak with someone at Transunion who could help me. I was recommended to by XXXX to get a supervisor who was from America. I have never received any credit report information from Transunion and which makes it impossible to answer any credit history questions with Transunion. I have nothing that shows up on my profile. I even was on the phone with someone for an hour at Transunion who wouldn't transfer me and just sit at his computer. Luckily, I was able to get someone to put in a " maintenance request '' on Friday XX/XX/XXXX. I was told it would take 5-7 business days, but when I called the following Monday, they to confirm they have my request being processed or just acknowledging it, it appeared like it was the first time he saw the issue. I was even asked if I had a file #, which they are supposed to have and look up for me. I can't do their job for them. In total it took about 10 calls to Transunion up to this point. 

Bottom-line : Fix my fragmented non-existent profile Never received a credit report from them Concerned about fraud and identify theft because it got " mixed up ''
Consumer complaint received 2019-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX has the wrong dates. Deliquent Payments started in XX/XX/2012, which means it should expire. They state XX/XX/2012, which are 8 months later than when it really occurred.
Consumer complaint received 2021-11-08
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 sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2021-10-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

ON XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this over45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-30
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: JPMORGAN CHASE & CO. (MA)

In XXXX of 2020, a charge was made on my Chase credit card account by XXXX that we did not authorize. The order was placed using a different account. This was a dormant account that we do not use and did not realize their error until we saw a missed payment on my account. XXXX has owned the error and reversed the payment. 
I have explored numerous avenues with Chase to have the missed payment removed from my account, and they refuse to work with me. This {$39.00} charge, that should never have been made, has now destroyed my credit. 
We did not receive any phone calls regarding a late payment because we were in temporary housing ( having lost out on a house after the sellers backed out at the last minute ). We also did not receive specific emails or mailings saying there were late payments. Just the generic statements that are emailed. Since this is an account that we never used, we had no reason to open these statements. 

I've attached the email from XXXX owning responsibility and reversing the charge ( and charging the proper account ).
Consumer complaint received 2022-01-10
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. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX XXXX breach and may have gotten into the wrong hands.
Consumer complaint received 2021-10-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (IL)

I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX : ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Enhanced Recovery Company , LLC violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8
Consumer complaint received 2021-10-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

XXXX i sent a letter regarding inaccurate and unknown things on my credit report to this day over 120 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 120 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-27
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: STERLING JEWELERS, INC. (PA)

There was a late payment in XXXX which was a error on their behalf. I am always on time with my payments as you can see with my documentation. They told me they will remove it they havent still they keep giving me the round around I never had this problem with Kay Jewelers before. Not only its on XXXX also on my XXXX and XXXX. They need to get it together this is the second time Ive been trying to be convenient with them.
Consumer complaint received 2021-10-07
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. (MO)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (GA)

on XX/XX/21 I spoke to " XXXX '' I informed her the item I paid {$550.00} was a counterfeit and had no serial number. She instructed me before she could proceed I needed to return the item. I explained to her the seller has started harassing me and I had blocked him, furthermore I have no obligation to come out of my pocket to return an item to this person in hopes of them simply launching a dispute, and that I wouldn't pay out of my own pocket to return a counterfeit item to someone who had already committed a $ XXXX amount of fraud by selling it to me without disclosing it didn't have serial numbers. She refused to listen .... normally I would call back for something more reasonable but this was the third time calling, the first time I got hung up on and the second I waited XXXX to talk to someone after they just seemingly left the phone. This financial institution is failing in their fiduciary duty and they need to move forward with this dispute with the ample info I have given and the full conversation me and the seller had I offered to give.