davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-19
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. (TN)

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 XXXX XXXX XXXX. 

XXXX XXXXXXXX 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 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 2023-07-19
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. (AL)

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 2022-06-24
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. (CA)

I have recently found out I have been a victim of identity theft and someone used my information to open a couple of lines of credit with credit grantors without me knowing. I don't know how the thief got ahold of my personal information but i am certain I have not opened these nor has someone authorized by me to one accounts. The following accounts are below. 
XXXX Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}
Consumer complaint received 2023-07-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I informed Chase Bank of my dad 's passing. I provided an original copy of his death certificate and the trust document ( which is XXXX pages ). They ran a copy of the trust document and said before I could open an estate account the corporate office needed to review the trust and death cert. I had a follow up meeting set for the XXXX. I get a phone call saying the copy they ran wasn't readable and that I needed to send another copy in. XXXX now gets moved to the XXXX. We set up the trust checking account and they transfer the small amount from the checking into the new checking account but tell me that the corporate office again needs to review the trust document, the funds should be released by Friday. No funds are transferred and I again call and now am told that a more thorough review is required on this XXXX page document of which XXXX pages pertain to my responsibilities and have nothing to do with the establishment of the trust. Each time I call I'm told the review isn't complete, I ask to speak to a supervisor who tells me that it takes XXXX business days to review this. So in essence it takes them a day to review about XXXX words since the document is only about XXXX words. The reality is that they have used my dad 's funds to fund a XXXX scheme where they use the funds to extend credit at XXXX XXXX  % and charge interest for over 20 days at about XXXX a day while claiming this review takes as long as it does. The entire document could be read and understood within an hour so what I'm being told is a complete lie.
Consumer complaint received 2023-07-19
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. (MN)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

Sates Attorney XXXX XXXX suggested I contact you. I have no idea if you can help us but I certainly hope you can. 

My Mom, XXXX XXXX, is XXXX XXXX XXXX and she has a mortgage. Since the inception of her mortgage she has continually paid her own property taxes and house insurance separate from her mortgage. About XXXX  years ago ( although I just recently found out about this ), Around XXXX of 2019, Mr Cooper bought my Mothers mortgage and we began paying them. She has an approx.. {$84000.00} mortgage at 2.65 %. She has always paid her own property taxes and house insurance separately. 

She has never missed any payments. 

Somehow Mr Cooper is stating they paid her property taxes and house insurance, even though she did all along, and that she owes them approximately {$11000.00} in penalties and fees. I contacted them and they are adamant about these fees even though every month her actual mortgage payment was around {$700.00} she paid them {$820.00} a month. 

This seem very predatory to me. She can not afford an attorney and we desperately need your help. Her property taxes around $ XXXX, Her house insurance is $ XXXX and Mr Cooper is telling me she needs {$9600.00} in equity. This is just wrong on multiple levels. 


Her address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX PIN : XXXX The mortgage company is : Mr. Cooper XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Tx XXXX Phone : XXXX Account Number : XXXX It seems they are trying to take her house and we really need your assistance. 


We ( Mr Cooper and I ) have been going back and forth on this and they sent me ( for my Mom a letter, PDF attached.. 

For XXXX  years. Mr Cooper did not claim her Senior Citizens discount so theyh overpaid her taxes by ~ {$4000.00} which I feel Mr Cooper owes my Mom. Please let me know if you can help. 

Thank You for Your Time XXXX XXXX XXXX
Consumer complaint received 2023-07-19
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)

There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2024-09-07
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (NJ)

I needed help with property taxes because of the pandemic and hurricane Ida damage. Three years ago, I started seeking help from NJ for the mold and rodent problem caused by Ida. No help there. 
Carrington paid the taxes to help but added items to what I owed them, especially in determining residency and appraisers, etc. Currently, I owe them some {$28000.00} outside of the {$300000.00}. Unbeknownst to me they went ahead with foreclosure and now a sheriff 's sale on XX/XX/XXXX. I had asked for a postponement XX/XX/XXXX because of medical issues. In the meantime I held out hope for financial assistance from the state. I figured if I could fix the mold and rodent problems, I would be able to get a fair market value for the sale of the house rather than foreclosure. XXXX is interested in another class action against Carrington and asked me to be a plaintiff. This involves padding charges, charging for services not necessarily done. I contacted Carrington for a total list of transactions on my account on XX/XX/XXXX. 
I am XXXX XXXX XXXXr on a fixed income. My home is where my business is. I have not been able to work full time as that area is where the mold is. 
Carrington has been very hard to contact or communicate with. I have used email, snail mail and fax. I called a number and person to call. I left a voicemail which was never answered. Their law firm served me in XXXX. They asked for info which I sent them to ask for a chance to get on my feet as I had surgeries scheduled. They never acknowledged it. The next item was to respond to them about disputing charges. I did but they did not acknowledge it. My next thing I know is the sheriff 's sale is on. I have known this since early last week. Today I received their letter about the sheriff 's sale. If Carrington and their law firm had written before or at least kept me in the loop, I believe I would have had time to try more avenues for relief. They strung me along and bam - the sheriff 's sale. I did not choose Carrington. The original lender was XXXX Mortgage who sold it to XXXX which went bankrupt and Carrington took over. Please caution older people about reverse mortgages. Rules and regulations were changed after I got the mortgage. I tried to refinance when I had more assets at least 4 times. Now my only assets are a XXXX XXXX XXXX cargo van and my artwork.
Consumer complaint received 2017-10-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (MD)

OUT OF THE MILLIONS OF BANKS WITHIN THIS ENTIRE WORLD, YOUR J. P. MORGAN CHASE BANK HAS TO BE THE MOST XXXX ; THE MOST ANTI XXXX XXXX XXXX ; THE MOST ANTI XXXX ; THE MOST ANTI XXXX WITH XXXX, AND ETCETERA,  SO-CALLED BANK WITHIN THIS ENTIRE WORLD!!!!!!!!!!!!!!!!!!. 

ON OR ABOUT, XXXX XXXX, 2017, YOUR J. P. MORGAN CHASE BANK HAD WRONGFULLY CLOSED MY CHASE CHECKING ACCOUNT. YOUR J. P. MORGAN CHASE BANK, AFTER NUMREROUS ATTEMPTS, COULD NOT ORDER AND SUCCESSFULLY MAKE PERSONAL CHECKS FOR ME WITHOUT ANY MAJOR MISTAKES, INCLUDING, BUT ABSOLUTELY WERE NOT LIMITED TO : THE PRINTING OF THE CORRECT CHASE BANK 'S CHECKING ACCOUNT NUMBER ; THE PRINTING OF MY FULL LEGAL NAME ; MY LEGAL MAILING ADDRESS, AND ETCETERA, ON THEIR PREVIOUSLY ORDERED SO-CALLED, J. P. MORGAN CHASE BANK 'S PERSONAL CHECKS!!!!!!!!!!!!!!!!!!!. NEEDLESS TO SAY, I HAD TO HIRED ANOTHER COMPANY TO PRINT, AND TO MAKE PERSONAL CHECKS FOR MY SO-CALLED, J. P. MORGAN CHASE BANK 'S PERSONAL CHECKING ACCOUNT!!!!!!!!!!!!. NEEDLESS TO SAY, AFTER YOUR SO-CALLED, J. P. MORGAN CHASE BANK HAD REALIZED, THAT I AM A PROUD PRACTICING XXXX, THEY ALL HAD DECIDED TO TOTALLY ILLEGALY AND TOTALLY UNLAWFULLY AND TOTALLY RACISTLY AND TOTALLY MALICIOUSLY, AND ECETERA, TO IMMEDIATELY CLOSED MY J. P. MORGAN CHASE BANK PERSONAL CHECKING ACCOUNT.
Consumer complaint received 2022-06-24
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. (VA)

On XX/XX/XXXX my Equifax Credit Report score changed from a XXXX to a XXXX my score dropped a total of XXXX points due to XXXX XXXXXXXX XXXX XXXX  removing a remark. XXXX XXXX Bank was also included in my XXXX XXXX XXXXXXXX as of XX/XX/XXXX. This account is also over 7 years old and needs to be deleted from my account. I want the points back that I lost as a result of an account that should not be listed on my credit report, to begin with. I want this information removed from my Equifax, XXXX, and XXXX Credit Reports including Lexis Nexus. 

XXXX XXXX is reporting me as late, account charged off, account closed, derogatory info, etc. this is not even my account and is a fraudulent account. I also lost points on XX/XX/XXXX as a result of a remark that was added to this account. I want this account deleted and removed from all of my Equifax, XXXX, and XXXX Credit Reports including XXXX XXXX 

XXXX XXXX is reporting me as late, account charged off, account closed, derogatory info. etc. this is not even my account and is a fraudulent account. I also lost points on XX/XX/XXXX as a result of a remark that was added to this account. I want this account deleted and removed from all of my Equifax, XXXX, and XXXX XXXX XXXX including XXXX XXXX 

I have requested multiple times that this info be deleted and removed from all 3 of my credit reports yet it still remains even though the information is inaccurate, fraudulent, and was included in a recent XXXX XXXX XXXXnkruptcy, including costing me points due to remarks being added/removed. I am not understanding why nothing is being done about this and why I have to keep filing complaints over and over again for someone to take immediate action ASAP.
Consumer complaint received 2023-07-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (FL)

This Real Estate merchant charge my account for {$10000.00} and telling me they would give me the tools and resources I need to make a return on the money. I also spent money on the software to run the business and I had to pay the Virtual Assistant every 2 weeks for the work they put in to produce leads and receive offers but were unsuccessful. Within the first month and after 30 days I asked the Merchant/CEO for my money back and he refused to refund my funds. They promised to help me get the leads and help me close real estate deal or until I Make my money back but did not fulfill what they told me. They said they didnt have a refund but they lied to my bank about no refund because it was an advertisement video online about getting a refund back within a certain period and after he took the video down and also this year he took down the website and Im not the only one he has done this too. In this process I have lost upwards of {$15000.00}. Upon my situation and trying to dispute with the bank and contact the merchant they blocked my number and ignored my emails and my request for refund because I did not get the service that was told to me and that I would make my money back which I didnt make a dime. With all these transactions plus my bills it caused my account to go negative because the bank reversed the charge of {$10000.00} and that left my account in the negative and now I owe the bank {$5500.00} and they kept telling me to go after the merchant which I did many times and didnt get any response from them and my bank closed out my account in XX/XX/2022. This has been soo frustrating and painful because thats my money that I worked hard for. I would like all my money back plus damages. I disputed this transaction and Appealed with Citibank and they still denied my money back. They have failed me drastically. Another young lady contacted my on XXXX with the same issue with the merchant and the XXXX XXXX tried to compromise with her and told her if he drop the case against him he would give her back half of the money which would be {$5000.00} but he was not willing to compromise and help me out in the cold. The merchant charged her card a month before mine in XX/XX/2022 and my charge came out XX/XX/2022 and for some reason her bank XXXX XXXX honored and gave her half of the money but still lost the other half of the money and my bank didnt give me anything back and they didnt even seem to want to further help me get my funds back. Its been soo frustrating and this misery to get my funds back to me.I am attaching the receipts of what was taken from my account for the software and paying the virtual assistant every 2 weeks to work the leads. Also Im attaching the messages from the young lady that lost her money with this merchant XXXX XXXX XXXX and XXXX name is XXXX XXXX.
Consumer complaint received 2022-06-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Social Finance, Inc. (CA)

SoFi promised a cash bonus of {$300.00} per the terms below. I have copied and pasted at the very bottom. 

I opened my SoFi Checking and Savings in XX/XX/XXXX. I had Direct Deposits of {$4000.00} on XX/XX/XXXX and {$2200.00} XX/XX/XXXX. I also have recurring direct deposits of about {$2200.00} every biweekly since then. 

I have not received the {$300.00} cash bonus since then. I have spoken to a SoFi representative and I have only received {$50.00}. 



The following describes the terms that apply to participation in the SoFi the SoFi Checking and Savings direct deposit program ( Program ) offered by SoFi Bank, XXXX XXXX FDIC ( SoFi ). 

Eligible Participants : All new members who open a SoFi Checking and Savings account during the Promotion Period and all existing SoFi Checkings and Savings customers who have not previously set up Direct Deposit transactions ( Direct Deposit ) into their SoFi Checking and Savings account as of the beginning of the Promotion Period are eligible for the Program. 

Promotion Period : The Program will be available from XX/XX/XXXX XXXX ET to XX/XX/XXXX XXXX ET. 

Bonus Terms : In order to qualify for eligibility for a bonus, SoFi must receive at least one Qualifying Direct Deposit from an Eligible Participant during the Promotion Period. Qualifying Direct Deposits are defined as deposits from enrolled members employer, payroll, or benefits provider via XXXX deposit. Deposits that are not from an employer ( such as check deposits ; XXXX transfers such as from XXXX or XXXX, etc. ; merchant transactions such as from XXXX, XXXX, XXXX, etc. ; and bank XXXX  transfers not from employers ) do not qualify for this promotion. The amount of the bonus, if any, is described below. No bonuses shall be paid for qualifying Direct Deposits of less than {$1000.00} during the Evaluation Period ( defined below ). 

Evaluation Period : The bonus amount will vary based on the total amount of Qualifying Direct Deposits received during the Evaluation Period. The Evaluation Period is defined as 30 days from the date your first Qualifying Direct Deposit is received. For example, if you receive $ XXXX {$1900.00} in Qualifying Direct Deposits in the Evaluation Period, you will receive a cash bonus of {$50.00}. A member may only qualify for one bonus tier and will not be eligible for future bonus payments if inflows subsequently increase beyond the Evaluation Period. 

Total Qualifying Direct Deposit amount in 30-day Evaluation Period Cash Bonus {$1000.00} {$1900.00} {$50.00} $ XXXX {$4900.00} {$100.00} {$5000.00} or more {$300.00} Payment timeline : SoFi will credit members who meet qualification criteria within 14 days of the end of the Evaluation Period.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CA)

I have reached out to the company in regards to a fraudulent activity on my card and I have tried to resolve the matter with the company but the company refused to help me out with the claim. On XX/XX/XXXX I filed a claim with US Bank for unauthorized charges on my checking account. The previous claim number is # XXXX. After refusing to help me out, the company claimed the film from the ATM transactions matches the film in the previous authorized transactions. I have requested to see the film and the company denied. I have submitted a claim with CFPB in regards to this matter and the company still claims the films match. I want to state that first and foremost, the company does not even have the amount right and I have tried to report it properly multiple times but the company seems to be unable to process the claim properly. The amount is not {$1500.00} but it is actually {$1900.00}. There were three {$500.00} dollar transactions and one {$400.00} dollar transaction. Also, the company does not have any image of me therefore they can not claim the transactions were authorized. I would love to put the film side by side with my picture and my picture ID or passport and also with my transactions that I have conducted and compare them side by side. The company refuses to provide a copy of those films and also refuses to properly compare the films with my image.