davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I opened a new chase account after dealing with an incredible hardship last year. I had been with Chase prior to this for 12 years. I was in a scam marriage and had to end up filing bankruptcy. I recently called chase to find out if I was eligible to reopen. Someone from the charge off department and the banker themselves told me I was able to so I opened one. They walked me through how to perform an external transfer which I did. Now {$4800.00} is in that account, and as soon as the transfer went through, they restricted everything on my account and said they decided to close it. I have {$4.00} to my name. Rent was due XX/XX/XXXX. I have late penalties, and it could be 14 days or longer to close my account and then they have to mail me a check. I will have incurred XXXX in late penalties and a negative impact on my credit report saying I missed a payment which I have never done with rent. They can take their time on closing it and getting my check which is truly scary. When I call in they keep me on hold for 30 mins to 1 hour. Or they answer and sit in silence for a long time until I finally hang up. They also hang up regularly on me and refuse to tell me anything about what happened to my account. My roommates money is also in there that she paid for rent. I do not know where to go from here but this is not a good situation. I have XXXX locked away that I can not access until they decide an appropriate time to send my money to me has passed. Meanwhile I live in LA, have XXXX dollars to my name and have not paid rent. I trusted them when they told me exactly what to do to get the account up and running and now I am left at the will of a bank. It seems shady they told me what to do to send all my money over only to lock me out of my account and leave me XXXX. I need this resolved ASAP because I can't afford XXXX a week in late penalties when I have XXXX dollars in my name. I have also not paid my electric or car payment.
Consumer complaint received 2022-08-05
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. (CA)

Equifax credit bureau does Not want show me My credit scorer on there official website, with a message show on there website regarding to my account ( We are temporarily unable to provide your credit score. Please try again later. ) I called Equifax company more than 4 times telling them Please show up my credit score and returning back my credit score, because you deleted it/ wiped my credit score all my years trying to building up, unfortunate they informed me there's nothing we can help you with. because this problem still exiting it's still affecting me with negative way I'm getting rejected apply for loan from XXXX 's because my credit score in Equifax credit bureau does not show up when XXXX 's run my CREDIT SCORE.
Consumer complaint received 2020-05-21
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: LEXISNEXIS (AR)

XXXX WAS LISTED ON OUR BK XX/XX/XXXX- XX/XX/XXXX AND IS STILL APPEARING ON OUR XXXX   CREDIT REPORTS.SEE ATTACHED, MANUALLY NOTIFY XXXX THAT OUR CREDIT FILES ARE SUPPRESSED AND MUST REMOVE VIA DELETION LETTERS.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX : XXXXXXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance {$1700.00} XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$980.00} XXXX XXXX XXXX XXXX XXXXXXXX Date opened : Balance {$1400.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$1300.00} TRANSUNION : XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$1300.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$1700.00XXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance {$980.00} XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1400.00}
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SECURITY SERVICE FEDERAL CREDIT UNION (TX)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2020-05-14
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: EQUIFAX, INC. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$530.00} XXXX XXXX {$2600.00} XXXX   XXXX {$460.00} XXXX XXXX XXXX XXXX {$520.00} XXXX  XXXX {$17000.00}
Consumer complaint received 2022-08-05
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. (GA)

On XX/XX/2022, I filed a complaint with the CFPB against Equifax for using personal information without written consent. I advised Equifax that they violated XXXX5 USC 1681 b ( a ) ( 2 ). On August 3, 2022, I learned Equifax has misused my personal information. Equifax has caused intentional harm to me by providing false and inaccurate information to lenders in response to a credit extension request. I am filing this complaint to DEMAND Equifax terminate the usage of my personal information and any information pertaining to me ; name, social security number, birthdate i.e. without written consent from myself. At this time Equifax has in their possession zero written consent and zero affidavits from me to permit furnishing, distributing, or selling any information on my behalf. I have given zero consent to mishandle any information given to Equifax by any party. Harm has now been done to me because my information was illegally and unlawfully misused. I seek the amount of {$550000.00} ; or what is ordered as the highest payout from any judgment against Equifax concerning issuing wrong credit scores or issuing misinformation to lenders, as a remedy.
Consumer complaint received 2020-06-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CMG MORTGAGE, INC (TX)

Hello, i have tried to apply for mortgage loan for FHA loan at CMG financial in XX/XX/2020. I have talked to XXXX XXXX ( sales manager ), submitted my application and sent all require documentations. I have communicated with loan officer via email and phone. Generally, loan application take up to 24 to 48hrs for result. However, there isnt any response until 6 or 7 days later. Then, loan officer sent me a letter with without any explanation what is that information is for. I first think that it is pre-approval letter. Until i went look for houses and talk to builders then i found out the letter pre-qualify is for nothing. The letter sent was not a pre-approval letter. It is just pre-qualifies statement that is subject to change based on supporting documents and credit report. I can not believe that how they work and just give me a piece of paper for nothing even through i submitted all documents and they viewed my credit. I asked loan officer for full report of my loan information. they sent me the closing cost page of another customer of their with their private information. I sent them another email asking for an explanation regard the situation of my loan now. I did not receive any contact from them or any explanation. I strongly believe they have neglect my application and show discrimination in my case. This shows how they not care about customer and possibly take customer private information for other motives. They purposely mislead customer throughout the loan process. Unprofessional and unacceptable act from loan officer.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/2022, I sent a letter to the court house asking if they reported my bankruptcy to the credit bureaus. I received a letter stating that they do not report bankruptcies to any entities. If that is indeed true how is it that the credit bureaus verified the bankruptcy action as 100 % accurate. The bureaus did not complete a fair investigation according to the Credit Report Act 15 U.S. Code 1681.

15 U.S.C. 1681 section 603 ( 3 ) ( E ) states : 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. 

The credit bureaus also violated my rights given under Credit Report Act 15 U.S.C 1681 section 602 ( A ) ( 4 ). According to this law I have a right to privacy.

Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

According to 15 U.S.C. 181 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instruction.

According to 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 beliefve that the information is inaccurate.
Consumer complaint received 2020-06-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

I, XXXX XXXX, am sole mortgage holder of loan # XXXX with PHH Mortgage. My complaint with them is : 1.Phh Mortgage has approved a 3rd party unauthorized person, XXXX XXXX , to file a motion with bankruptcy court to try an refinance my debt. 

I have not given authorization for anyone to do anything on my debt. I even sent in.writing to both Ocwen and PHH I do not give authorization for anyone to discuss my loan.

Phh should not be allowing anyone to do anything to refinance my debt because it has already been discharged in a prior XXXX in XX/XX/2016. 

2. Phh refuses to speak to.me regarding my OWN debt. They say there is an attorney by a unauthorized 3rd party shanae young. They told me to.send writing letter stating I am not represented by an attorney. I have done so and when I call customer service they still refuse to speak with me stating an attorney is involved and I explain it is not my attorney and this is my debt. I did not have this problem with prior mortgage company ocwen.
Consumer complaint received 2022-08-04
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. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states : I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (AZ)

I XXXX XXXX am aware that my SSN belongs to the ( SSA ) Social Security Administration and any extension of credit with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that JPMorgan Chase Bank is attempting to collect a debt from I the consumer makes JPMorgan Chase Bank guilty and in violation of the ( FCA ) False Claims Act 31 U.S.C 3729-3733.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I noticed unauthorized inquiry on my reports or noticed someone applied for something in my name. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items must be removed.
Consumer complaint received 2022-08-05
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. (OH)

In Accordance with the Fair Credit Reporting AcXXXX XXXX Account XXXX XXXX XXXX and account # XXXX, and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXXXXXX BANK and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX  and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account BANK OF XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXXXXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX AccounXXXX XXXX XXXX XXXXXXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXXXXXX XXXX XXXX and account # XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account DEPT OF EDUCATION/XXXX and account # s XXXX, account # XXXX, and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act XXXX Account XXXXXXXX XXXX XXXX and account # XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting Act Convergent Account, 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 an account with out my written consent. 

XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MIDFIRST BANK (CA)

I opened an account with XXXX on XX/XX/22 and enrolled in a welcome offer of {$250.00} by making XXXX direct deposit of {$1000.00} within 90 days and maintaining $ XXXX balance for XXXX ( XXXX ) calendar days following the second eligible direct deposit, offer details is attached. I have met the requirements by making XXXX {$1000.00} direct deposit on XX/XX/22, XXXX {$1000.00} direct deposit on XX/XX/22, XXXX {$1000.00} direct deposit on XX/XX/22 and XXXX {$1000.00} direct deposit on XX/XX/22, and kept the balance required. I also received XXXX of the direct deposit confirmation emails sent from XXXX after such direct deposit was made, please see the attached screenshot. However, I have not received the bonus as terms stated. XXXX is a division of MidFirst Bank ( stated at the bottom in all of their emails ), so I am looking for CFPB 's help to look into this fraud and have Monifi / MidFirst Bank credit me the {$250.00} per the offer terms. Looking forward to hear back from you!
Consumer complaint received 2022-08-05
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. (FL)

XX/XX/2022, I sent a letter to the court house asking if they reported my bankruptcy to the credit bureaus. I received a letter stating that they do not report bankruptcies to any entities. If that is indeed true how is it that the credit bureaus verified the bankruptcy action as 100 % accurate. The bureaus did not complete a fair investigation according to the Credit Report Act 15 U.S. Code 1681. 

15 U.S.C. 1681 section 603 ( 3 ) ( E ) states : 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. 

The credit bureaus also violated my rights given under Credit Report Act 15 U.S.C 1681 section 602 ( A ) ( 4 ). According to this law I have a right to privacy. 

Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

According to 15 U.S.C. 181 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written instruction.

According to 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 beliefve that the information is inaccurate.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXXXXXX has violated my rights. 
XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 

I have also sent NUMBEROUS request for them to update my personal information to the current information sent with my disputes and they haven't done so. This violates [ 15 U.S.C. 1681 ] ( a ) ( 4 ) - States I have the right to privacy.

[ 15 U.S.C. 1681b ] ( a ) ( 2 ) - It also states a consumer reporting agency can not furnish a account without my written instructions [ 15 U.S.C. 1681c ] ( a ) ( 5 ) - 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. 1681s2 ] ( 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.

[ 15 U.S.C. 1681I ] ( a ) ( 1 ) ( 2 ) ( A ) - Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
Consumer complaint received 2020-06-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX   Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX/XXXX  Unauthorized charges successful iconSubmitted XXXX/XXXX  Unauthorized charges filed ftc 60 days ago