davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-03
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. (GA)

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX 2. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX  Bankruptcy Case Number : XXXX Please remove it from my credit report. 
3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 5. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
7. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2023-02-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

I have given money to clear XXXX XXXX  who then stored it with XXXX XXXX and they provided no service and agree to pay me back. However when they agreed to pay me back I had called chase had them dispute {$1000.00}. So the. XXXX XXXX returned the money they had minus this XXXX and then chase decided to give the money back to them. But XXXX XXXX claims they could not accept the money again. They say that chase is holding onto it. Now I am late paying my rent, and my account is insanely negative. They claim to be investing but what is there to investigate? You can look at my account and see they tried to give the money back. I dont get why everyone wants to play games with my money. Its fraud and a scam.
Consumer complaint received 2023-02-01
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: Experian Information Solutions 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, experian and XXXX 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 2023-02-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (FL)

I was attempting to modify my mortgage due to financial hardship. I took the steps in submitting paperwork as advised by the bank only to be told that I didnt even qualify for a modification because I had already received a modification previously. Due to this, I lost my home to foreclosure.
Consumer complaint received 2023-02-02
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: EQUIFAX, INC. (TX)

Received an alert that there was a new Hard Inquiry on my credit report made on XX/XX/2023, by XXXX XXXX. I did not authorize the credit check or apply for credit or a credit card.
Consumer complaint received 2023-02-01
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)

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX  XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2015-06-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NJ)

I have been trying to modify my loan for almost FOUR years now, since XXXX XXXX. The XXXX XXXX packages I filed, all with MetLife and then the last transferred to Chase, were mishandled and processed as Short Sales ... NEVER was any paperwork completed for a short sale during that time frame. I filed a complaint with Chase 's corporate office and they looked into the matter. They returned a denial for assistance very quickly. So the house was then put up for Short Sale in the end of XXXX. XXXX offer came in and by late XXXX was withdrawn due to the buyer failing to meet certain requirements. I again filed a modification package, using an attorney ( XXXX XXXX XXXX XXXX ). XXXX of XXXX Chase informed me that they needed a Request For Mortgage Assistance form ... it was with the original package yet they mysteriously lost it. My attorney confirmed it was sent, but I resent everything on XXXX XXXX. XXXX XXXX I called and verified they received everything, they did. Now they needed a Quit Claim Deed Form?? I have been doing this ALONE for almost 4 years and they just now tell me I need this form?? The co-borrower would not sign and I came home on XXXX XXXX to find a Sheriff 's Sale notice. Calling Chase I learned they put it in the system XXXX XXXX, THE DAY I TALKED TO THEM ABOUT MY PACKAGE! 
Now Chase is telling me they have no record of the previous packages in their system, they only see the short sale and this resent package. Offered no help so I called the Executive Office ( XXXX ext. XXXX ) and tried to speak to the representative handling my account ... NO ANSWER. Left voicemail - XXXX TIMES - no return calls. 
I am disgusted how these big banks push us around and throw our accounts around like they are nothing to them ... well this is my home that I share with my son and enough is enough! Lawyers are telling me my only alternative is to file for Chapter XXXX bankruptcy, which is the last thing I want to do seeing that there is no guarantee that acceptable terms for a modification will be reached ... leaving me still with a foreclosure on my credit and the addition of a bankruptcy?!
Consumer complaint received 2023-03-09
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. (NC)

I recently found out that my mortgage company reported that I was delinquent on my mortgage payments. This is not true and an unfair reporting as a new customer. I never asked for XXXX XXXX to buy out my loan and they have had zero communications with me about any changes in due dates and such. They only sent me a letter stating they had purchased my loan. After setting up my initial account, I continued on, assuming that the due date ( XXXX of each month ) would stay the same as it was with my previous company. I have never had any issues with late payments in the past ( ever ) and my report proves this. I have only had issues with XXXX XXXX After months of issues and late fees, I was curious as to what was going on. I contacted them, speaking with someone about the issues. I was told the due date was the 1st of each month. My ( previous ) normal due date the ( XXXX ) was now the ( 1st ), which made it show I was late. Auto pay will not pick up on this change, Thus showing I was late far later than I would have been with my last company ( XXXX Mortgage ). I spoke to someone about the due date, I was denied a request to have it changed. I contacted XXXX about this and requested an official review from the website. Spoke with someone about expediting the process to have it removed from my credit report and my response was it will take about a month for a response. This has already affected my personal credit report which WAS outstanding. My score has dropped XXXX points, all because of communication issues with XXXX. Keep in mind this is from a single payment, not a delinquent account months behind. Very unfair...
Consumer complaint received 2023-03-09
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: JPMORGAN CHASE & CO. (MS)

On XX/XX/2022 I sent a letter to each of the negative accounts on my credit report informing them that the account was the result of credit fraud from idenity thief and that l wouldn't accept responsibility for those accounts. I never heard back from them. 
The accounts are : JPMCB Auto XXXX XXXX XXXX XXXX XXXX  XXXX accounts XXXX XXXX XXXX and a collection company. 
On XXXX XXXX I contacted the three Credit Reporting agencies and told them I was a victim of identity thief and disputed each of these accounts. 
On XXXX XXXX I received an E-mail stating that each creditor had verified that the information was true and correct and wouldn't remove the accounts from my account. 
I have been in XXXX  since XXXX XXXX and I am still in XXXX  today, my XXXX # is XXXX And I also informed the creditors of the same information. 
All of the accounts were opened during the time after I was XXXX.I couldn't sign for any of these from XXXX.
Consumer complaint received 2023-03-09
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2015-06-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (OH)

I filed a joint bankruptcy XX/XX/XXXX chapter XXXX and there are items still reporting as being opened as of XX/XX/XXXX There is an item marked medical that was possibly included in the Bankruptcy for {$3900.00} or is incorrect all together that should not be marked as an open account. it should not be there. and the are a lot of XXXX money bank /XXXX/ that are still showing as open accounts
Consumer complaint received 2023-03-09
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2023-03-09
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. (NY)

In accordance with the Fair Credit Reporting the following accounts XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX  account XXXX XXXX XXXX account XXXX XXXX  XXXX account XXXX XXXX XXXX  account XXXX XXXX XXXX  account XXXX IXXXX XXXX XXXX account 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts do not belong to me. They should not be on my Equifax credit file.
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (CO)

In the long ago, I had a checking account with Wells Fargo in XXXX XXXX Until I learned that it was charging me fees for writing too few checks, I thought things were fine. 

I heard CFPB director Rohit Chopra on XXXX this morning talking about fees, known and unknown, and thought you would find this relevant. When I talked, or tried to talk, with Wells Fargo about this practice I was told that this was the way the bank did business. 

I cancelled my account.
Consumer complaint received 2023-03-09
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. (LA)

Please See Attached account disputes documents detailing inaccurate reporting practices on my consumer report that are violating my consumer rights and damaging my reputation and credit history in the eyes of creditors past and present. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. By definition, the IRS clearly states, the charge off is income, the reporting of this account as inaccurate.
Consumer complaint received 2015-10-26
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a credit card with Bank of America for more than five years ago, when I started to use the card, my minimum payment was approximately {$80.00} now, every time that I used the credit card, the rate increased, and the minimum payment too. 
In the month of XXXX, my mother-in-law died, days before payment due, and I was late in the payment just for 4 days, but anyway I made a payment for {$320.00}. 
now I get the receipt with a minimum payment of {$460.00}. 
For me this payment is extremely difficult to meet, I think the Bank is violating the laws to increase minimum payments and interest without informing the customer. 
Could you please intervene to adjust the monthly payment to me as I had at first time
Consumer complaint received 2019-02-08
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. (SC)

***EQUIFAX HAS STATED THAT THEY HAVE DELETED/REMOVED/BLOCKED THESE ACCOUNTS FROM MY CREDIT FILE THAT I PREVIOUSLY FILED A COMPLAINT WITH CFPB COMPLAINT # XXXX DATED XX/XX/2018 THAT EQUIFAX HAS STATED WAS COMPLETE AND THEY CLOSED THE CLAIM WITH THE CFPB AS SATISFIED THE SAID ACCOUNTS WERE REMOVED/DELETED/AND BLOCKED. *** WITHOUT ANY WARNING EQUIFAX HAS PLACED THESE ACCOUNTS BACK ON MY CREDIT FILE WITHOUT ANY NOTIFICATION*** EQUIFAX PER FTC  LAW ONCE A ( identity theft police/report is filed ) ALL ( 3 ) CREDIT SUPPOSED TO REMOVE/BLOCK/DELETE THESE ACCOUNTS FROM RE-APPEARING ON MY FILE AND DROPPING MY CREDIT SCORE. EQUIFAX HAS INITIATED A 30-DAY ( unauthorized ) DISPUTE WITH EACH COMPANY AND HAS NOT REMOVED THE ATTACHED ACCOUNTS ( PLEASE SEE DOCUMENTS )
Consumer complaint received 2023-03-09
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: STATE EMPLOYEES CREDIT UNION (NC)

Car turned in because ( 3 months ago ) engine defect in XXXX XXXX XXXX we didn't know about... Didn't get letter from dealership ( corporate ) about recall until car was already surrendered.. today on XX/XX/XXXX .. they emptied out all our savings.. was told the car would be sold and the difference would be our responsibility... And also that we could Make payment arrangements to pay towards that ... No letters sent no calls no warning but we fully intended to pay the balance now we can't. Took husband 's money and other account we set up to pay for new car.. state employees credit union which we have banked with and paid 3 to 4 vehicles off through them allowed the collections to do this.. car was sold for about XXXX dollars then took our whole savings and left us with nothing. Was also told they could take money every time we get paid to clear another XXXX owed on the vehicle leftover as well .This is our first surrender through them and we feel this is incredibly cold and insensitive towards people 's livelihoods including our XXXX kids was not even given the chance to make good on our word when we were told we could make arrangements to pay on the vehicle which would be sold..my and my name only is on the loan not my husband's.. ( joint savings account ) this is preditory behavior please help
Consumer complaint received 2023-03-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (CA)

We received {$50.00} loaded on a VISA debit card issued by U.S.Bank Focus in XXXX XXXX for participating in a health study, including DNA, conducted by a U. of Florida group ( if I recall correctly ). 
I do not recall ANY notification about fees then, or at any time. 

We used the card once on XX/XX/XXXX, depleting the balance by XXXX to XXXX. 
That same month, we attempted to expand our usage of this bank to include a checking account that we could could with XXXX. We were totally unsuccessful in achieving that aim. Customer support via telephone seemed always to be someone who barely could communicate in English, requested that we submit multiple personal ID documents, never came to a post where we could deposit money. We are very concerned for the safety of our information, having been subject to identity theft in XXXX. 
Meanwhile, unknown to us, a clock was ticking that resulted in fees of {$2.00} being subtracted from the balance monthly starting in XX/XX/XXXX. 

We only discovered that these fees were happening when we used the card for an online newspaper subscription on XX/XX/XXXX, when we observed that {$10.00} had been depleted. 

Adding insult to injury, U.S. Bank is absorbing our local checking & savings institution, XXXX XXXX, as of XX/XX/XXXX. We can not trust the new institution to hold our funds and our identity. And, they are closing our nearby branch. 

The fees mentioned above are the very definition of JUNK FEES that Congress has indicated possible action on. I fervently hope that action will be taken.