davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (WA)

I visited the XXXX XXXX in XXXX, WA on XX/XX/XXXX and purchase {$94.00} worth of groceries. During payment, there was a computer failure. I was assured that the charge did not process and the store ran my card a second time on another machine. A month later, when I received my credit card bill, I found that I had actually been charged twice for the groceries. I tried calling the store multiple times to resolve the issue and was unable to reach anyone. I attempt to file a dispute with Chase Bank via their website multiple times during the month of XX/XX/XXXX, but failed due to website errors. Multiple email requests for support were ignored. 

Finally, on XX/XX/XXXX I called and submitted a dispute request via phone. I received no written confirmation about the dispute so I called back two days later, on XX/XX/XXXX to confirm that the dispute had been filed. They had no record of the dispute so I went through and filed the dispute a second time while on the phone. Again, I received no written confirmation and no indication on my bill that my dispute had been filed. However, in subsequent phone calls on XX/XX/XXXX and XX/XX/XXXX, I confirmed the dispute existed and was told it was being investigated. After receiving no resolution to my dispute within the legally mandated XXXX billing cycles, I called again on XX/XX/XXXX to check on the status. I was told this time that there was no record of the dispute and that too much time had passed since the initial transaction for a dispute to be filed. When I mentioned again that I had filed the dispute initially on XX/XX/XXXX, the customer service representative suddenly changed his mind and decide to open yet another dispute for this charge. I have been assured that this matter will be resolved within 30 days. However, given the past failures of Chase to properly handle this case and their failure to meet their legal obligation to resolve the dispute within a timely manner, I feel it is necessary to escalate this issue to the CFPB.
Consumer complaint received 2018-03-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I have been a Chase ( Washington Mutual ) customer for 20 years and have never received such disappointing treatment as a loyal customer. On XX/XX/XXXX I went into the Chase bank in XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX to deposit my income state refund check into my account and make a withdraw. After being asked several questions by the supervisor XXXX and treated as though my check was fraudulent I was told that they would have to place a hold on my check until the following morning when funds would be available. Although a little unusual because I have never had this situation with Chase I was left with no choice. The following morning I received a Chase alert via the chase app that there was a hold on my checking account. I called chase bank where my call was forwarded to the loss and prevention department and was informed that Chase has to verify my check through the IRS website but the site was down. I later called the local bank where I deposited the check and spoke with a teller at first and asked anonymously on what grounds would a hold be placed on a check. She listed several reasons of which none applied to me. I then asked her to look into my case and explain to me why a hold has been placed on my check. Upon looking she sends the call to the supervisor XXXX who informed me that the check was going to be on hold until XX/XX/XXXX because the check was presented to another bank for cashing. I informed her that is impossible because I'm the only one who has had the check and I took it straight to the bank upon receiving it. I also asked her where was the check supposedly attempted to be cashed and she could not tell me. I called chase loss and prevention a second time and was told the check was flagged by IRS saying the check may bounce. In the same conversation she informed me that the check was presented to another bank for cashing. At this point I received 4 excuses as to why a 2 week hold was placed on my check. I also asked the representative from loss prevention for something in writing saying my check was presented at another bank because now I am worried that someone is possibly using my personal information and identity. She refused to provide me a written explanation. This is ludicrous. I would think being a loyal customer to a bank for 20 years I would be treated with some decency. I do not believe my check was presented at another bank or any of the excuses I was told. I have missed payments on bills that resulted in fees it is unbelievable. I am seriously considering closing my account and banking somewhere else. I have never even written a bounced check in my life. I can not see any reason that would warrant mistreatment as a customer from a bank I've had for so long.
Consumer complaint received 2018-03-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CULLEN/FROST BANKERS, INC. (TX)

OnXX/XX/2018 I filled out application online with Frost Bank I was approved and added money to the account. The next day I received email that I was not approved for the account. How can they say I was approved and let me deposit money in it then close it? I also transferred {$21000.00} but I'm assuming the account was already closed so I don't know where that money is there customer service has not giving me any information how to get my money back other then you should receive a cashier check I don't want a check I want it back the same way they received it. I received the debit card the other day so I don't understand how they can steel my money.
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I have paid off one loan with XXXX XXXX but on my credit report it still shows me owing over {$3300.00} on the loan and the account has not been updated in five months. Another load shows me owing over {$9000.00} when I actually owe less than {$4000.00}. I have contacted all three credit bureaus to try and address this issue with no result. I requested a loan satisfaction document from XXXX XXXX which I have never received. 
None of these agencies are responsive in any way. Instead of addressing your complaint they bombard you with emails for " credit protection services ''. I am now into my second month of trying to get this simple issue address and have made no progress so far. Since the consumer " does not own their credit '' the agencies that manage it should be responsible for reporting accurate information. This is definitely not the case. The government continues to let banks write laws governing their own behavior with no consideration on how it will impact the consumer. I guess if I could buy as many senators and congressmen as XXXX XXXX I wouldn't be having this problem! 
.
Consumer complaint received 2018-03-04
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. (GA)

I have three accounts on my Equifax report that are fraud ( XXXX, XXXX and XXXX ). I have sent my FTC indentity theft report, police report, a letter notifying them of the fraud from the FTC, a copy of section FCRA 605B, a copy of my license and social security card. 

Equifax still has not removed it. I sent this information on XX/XX/XXXX, XXXX and XX/XX/XXXX and have fax receipt. I have also mailed anther copy on XX/XX/XXXX. At this point Equifax is in direct violation of mt rights. Every other CRA has complied but Equifax has not. 

If you dont comply with the FCRA, you may be sued by the FTC, Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of {$3800.00} per violation in the case of lawsuits brought by the FTC. I would prefer the accounts XXXX XXXX, XXXX and XXXX be blocked. However my next step is legal action.
Consumer complaint received 2024-09-23
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: Sequium Asset Solutions, LLC (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear SEQUIUM, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and XXXX  state laws pertaining to identity theft and consumer protection. 

It has unequivocally come to my attention that SEQUIUM has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law provides protection against identity theft and unauthorized use of personal information, including the misuse of credit reporting data. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX criminalizes the unauthorized use of personal identifying information, and failure to comply with such protections may also be considered a violation of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which addresses unfair and deceptive business practices. 

I assert with unwavering certainty that I have not provided consent for SEQUIUM to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and a clear disregard for both federal and state laws. 

I demand that SEQUIUM immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and XXXX XXXX XXXX XXXX. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including XXXX statutes on identity theft and consumer fraud. 

Obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that SEQUIUM will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

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.

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 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

In accordance with the Fair Credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

acct. name XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX XXXX # XXXX ONLINE INFORMATION SER # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I had a auto loan opened in 2018, i have provided legal documents of a police report that shows that they auto loan account was opened fraudulently.. they never sent back any verifying papers to show that is was my account or auto loan.. 

Equifax : XXXX XXXX XXXX XXXX  # XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I never gave my written consent to pull my credit from the list provided blow. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/XXXX, I got caught in a timeshare fraud while in XXXX. I charged about {$7500.00} on two cards. One was {$3500.00} to my Wells Fargo Visa card which they retuned to me but the {$3900.00} on my Wells Fargo XXXX XXXX card was rejected. Four days after I signed the contract on XX/XX/XXXX, I emailed the company and said I didn't want it. I again emailed the company on XX/XX/XXXX. I informed the credit card companies on that date also. The WF XXXX denied my request, saying I did not follow the directions on the contract to cancel in writing not email. I involved the Mn attorney general and they did what they could, including sending a letter to the address I had for the timeshare company but it was returned with no known address. The MN ag has had no luck with WF XXXX. They suggested I contact you. Thanks for any help you can give me. I no longer have the card.
Consumer complaint received 2020-03-16
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. (TN)

I have tried to order my credit scores from the three bureaus. I was able to order my XXXX XXXX score only. I know that the other two are violating the fair credit reporting act. I know this is a marketing scheme and a way of them not complying with federal law. There is no explanation for not allowing an American citizen the right to his or her own personal information held by these marketing schemes. When you can't even pay for your information you know you're being discriminated against. I am in need of transacting some important business and I need access to my information in the next 14 days. 
XXXX and Equifax are stalling and I know that they are, happen to frequent.
Consumer complaint received 2018-03-04
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: HYUNDAI CAPITAL AMERICA (FL)

Due to the fact that I am a victim of identity theft, I contacted the XXXX credit bureau in writing on or about XX/XX/XXXX and I asked XXXX to ask the Hyundai XXXX XXXX XXXXXXXX ( credit reporting company ) to promptly delete their unauthorized inquiry ( date : XX/XX/XXXX ) from my credit file. Unfortunately, and as of this present date, XXXX  has recently reported that the unauthorized inquiry that is associated with the Hyundai XXXX XXXX XXXXXXXX is still currently reporting on my XXXX credit file. ***RECORDS ARE AVAILABLE UPON REQUEST. ***
Consumer complaint received 2018-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TX)

For months now I have been trying to get this Chase account on my XXXX credit report to report correctly. However Chase and/or XXXX keeps updating the way it reports ( the Date of Status ) and this has dropped my credit score on XXXX  from XXXX to XXXX ( almost 100 points ). Please see attached uploads. Please see XXXX report dated XX/XX/XXXX with Date of Status on Chase as XX/XX/XXXX. Please also XXXX report dated XX/XX/XXXX with Date of Status on Chase as XX/XX/XXXX. Further, the Recent Balance on each report is {$11000.00} on XX/XX/XXXX and {$5400.00} on XX/XX/XXXX. This is a charged off account and XXXX/Chase are illegally updating this date ( and balances ) and causing my credit to be damaged, and this is keeping me from qualifying for home mortgage for my family. Please also see all the other attributes to this Chase account that are reported incorrectly. Basically each time I send a letter asking them to investigate, they update the information incorrectly. Please also see the screen shot I uploaded of my XXXX XXXX credit monitoring report dated XX/XX/XXXX which shows the inconsistent nature of the way this account is reported between each credit bureau.
Consumer complaint received 2018-03-04
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)

A chapter XXXX bankruptcy is being reported on XXXX, XXXX and Equifax reporting bureaus. I have requested that they remove this item many times from my credit report and to this date ( XXXX-18 ) it still  remains.
Consumer complaint received 2018-03-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (MI)

I noticed something wrong on my credit report I notice a company by the name of LJ Ross Associates was listed and stated that 2 account was opened XX/XX/XXXX and closed XX/XX/XXXX and I supposedly owe them ( 1st account ) {$70.00} and the ( 2nd account ) {$1900.00} which is not true at all, I have no clue of what this is. So I sent LJ Ross Associates a dispute letter on XX/XX/XXXX no response sent another letter on XX/XX/XXXX thru certified mail and they responded with a letter stating that the account was verified, How? it's not my debt there is nothing with my signature on it making this phony account legit I then contacted my lawyer and she told me to file a complaint with CFPB because the documents they sent me is not valid and those documents does not validate anything so here I am. Thanks
Consumer complaint received 2024-01-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services (FL)

I completed a borrows defense repayment, school gave false advertisement about how they can help students and I did not receive any help from staff after XXXX I never used my certification and I was sent to internship program that was not hiring ( False advertisement )
Consumer complaint received 2018-09-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MD)

1. Have applied for loan modification XX/XX/XXXX and XX/XX/XXXX 2. The lender approved my loan, thy want us to payoff the Homeowners association lien. This lien is in the second position.

3. Modification of the loan does not affect the Lien position of Wells Fargo bank 4. We offered them few options a. Increase the loan amount by {$11000.00} to pay off the lien.

b. There is no requirement to pay off the lien 5. They at this time bent on foreclosing our property.

6. We are making the payments from the day we filed Chapter XXXX Bankruptcy.

7. Our main problems are we can not catch up with the arrears.

8. The arrears can be put into the modified loan amount.