davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-16
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. (IL)

I am writing to supply proof no verifications are being one when accounts are being disputed because of incorrect information. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), they are required to forward all the relevant information I provided by you to the creditor for their investigation of my dispute. According to FCRA 611 ( a ) ( 7 ), they are suppose to supply me with the proof. On XX/XX/23 I sent in a dispute which I have attached. I just received an email update that the dispute was resolved. First off, where are the documents, second off, the results are still wrong. I know this because the account was included in my bankruptcy file # XXXX. They updated my report and the account now says delinquent instead of included in bankruptcy. If this was verified they would have know it was in my bankruptcy. The account is XXXX.
Consumer complaint received 2020-06-22
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. (TX)

XXXX XXXX XXXX sent a letter to all 3 credit bureaus via CFPB asking for immediate removal of the account on my credit report. I had my credit pulled trying to obtain a mortgage and Equifax is still reporting the account. I contacted Equifax and they said I needed to call XXXX XXXX XXXX  again.
Consumer complaint received 2021-05-07
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. (NC)

XX/XX/XXXXAttempted to dispute information on my XXXX  credit report. It has a fraudulent SSN ending in XXXX. The online service will not allow me to dispute it. I called 3 different numbers for them. XXXX, XXXX, and XXXX. When attempting to dispute this erroneous SSN their system said to call XXXX to better assist. This number only gives 2 options. One is to freeze your account ( which I did ), the other is to purchase a membership. It tells you about optional memberships you can purchase and does not even let you get any of the services. It tells you about them and then hangs up. Neither of them will get you to a person so there was no " better assistance ''. This SSN and anything in reference to it needs to be removed. 

There are also 3 hard inquiries that are from a Chase credit company that I had a credit card with over 4 years ago. This company is running my credit every year even though my account was closed in XXXX. They ran onXX/XX/XXXX,XX/XX/XXXX andXX/XX/XXXX. XXXX  will not let me dispute these either. They need to be removed. 

They also have my ex husband as my spouse and will not allow disputing it online and of course not by phone as mentioned above. He needs to be removed. We have been divorced since XXXX.
Consumer complaint received 2017-01-10
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (NY)

To whom it may concern, My complaint is that Chase is doing everything possible from preventing me from accessing my Home Equity Line of Credit that I paid for and instead is trying me to sell new products with new fees and close to double the interest rates. 

I have a property in XXXX, XXXX XXXX XXXX and in XXXX I took a Home Equity Line of Credit with Chase. In XXXX my credit line was frozen during the big recession because Chase feared that my property value had gone down. It may have been true back then, but XXXX property prices have rebounded and Chase still has my HELOC locked. They told me they have no data to prove that my property has the same value that it has in XXXX, which is untrue as prices in all XXXX are way above XXXX. They told me that I needed to pay for an appraisal. Which I think currently is an excuse from having me accessing my equity and for forcing me to buy new more expensive financial products. As a XXXX bank, Chase is well aware that property values in XXXX have gone up from XXXX. I was also told that I will not be able to take money out from this account after XXXX XXXX because that is when I need to start paying it back, in this I agree. 

Fearing the uncertainty of our country faces at this moments. I want to take out the XXXX dollars that are frozen. I caved and paid for the appraiser which prove that my property value has gone up 40 % since XXXX, from XXXX in XXXX to {$910000.00} in XXXX. I called Chase again, and now they are telling me that my credit line will freeze next week ( not in XXXX ), and that I need to send the papers via fax, that they may take over 2 week to review, and then send me their response via snail mail. All to go over the appraisal that states the obvious, that my property value is equal or greater from what it was in XXXX XXXX. 

In my conversation with Chase I stated the time problem and they recommended refinancing, which entails me paying more fees and changing my current 2.75 % variable interest rate for a 4.5 % variable interest rate. That I could start doing immediately, via the phone not via fax. 

Thank you for the understanding, XXXX XXXX XXXXXXXXXXXX Chase-HELOC Phone : XXXX Chase-HELOC-Fax : XXXX My Chase HELOC Account Number : XXXX
Consumer complaint received 2021-05-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2020-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (SC)

This is regarding the current covid financial issue that was supposed to be placing everyone at ease with being unemployed. In XX/XX/2020, I submitted a request to Wells Fargo Home Mortgage for a three month deferred payment option due to the COVID financial crisis that put a strain on my ability to make those payments. I made my XXXX payment, never have missed a mortgage payment in 30 years and should have gotten no response until XX/XX/XXXX payment due. Since that time frame, I keep getting letters and emails from Wells Fargo that are completely unnecessary waste of paperwork. I then spoke to a customer service representative on a recorded line ( XXXX ) who said no worries about starting that next payment in XXXX. Unfortunately, they just send more form letters ( per their customer service rep XXXX stated ) that doesn't put my mind at ease with the financial stress. My next mortgage payment would be XX/XX/2020. I have excellent credit rating and do not like the way Wells Fargo is not handling this in a cordial manner. The nature of the financial deferred payments was to reduce stress of the people. Wells Fargo is failing to do this at this time. There were no notes in the file when I called them back on XXXX to clarify what exactly was going on internally with my mortgage. They then said that they would give three months more,
Consumer complaint received 2016-11-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION (NJ)

I had to co-sign for my son 's Sallie Mae loan for his senior year of college. According to my MSA, ( Marital settlement agreement ), my ex husband is responsible for XXXX of ALL college expenses, and student loans were NOT to be in the children 's names. I also have a court order ( XXXX XXXX, 2016 ) in which orders the loans to be transferred into HIS name. I have spoken to Sallie Mae, and they refuse to transfer ownership of the loan. Please advise how to proceed
Consumer complaint received 2016-09-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have lived in my home since 2005. However, I suffered a loss of income and got behind and got behind on my mortgage. I have regained full employment and have tried to get assistance from the mortgage, but have been denied. 
The only option they propose is a short sale. When asked the reason for the denial the answer is " the investor XXXX '' has not given authorization. When contacted, XXXX says the bank has the responsibility. 
This is very confusing and frustrating. I do not want to lose my home. 
A previous compliant was filed last XXXX. However, the CFPB representatives have been unable to locate the results.
Consumer complaint received 2021-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MN)

On XX/XX/2021, I was charged {$270.00} from XXXX XXXX to my Citibank issued credit card. I immediately contacted Citi on or near the XXXX as soon as the transaction posted to report this as fraud. I spoke to an offshore rep on this date who marked the transaction as fraudulent, closed the account number and requested a new card be sent to my address. 

I received and activated the new card without any issues. On XX/XX/XXXX, I received a letter via regular mail from Citibank advising me that they had attempted to obtain information from me regarding this charge, and did not receive a response and that I was liable for the fraudulent charges. This is where a very frustrating loop of phone calls with Citibank began. 

I immediately contacted them inquiring in regards to the letter. They advised me that they tried to call me ( I received no calls ) and that my phone number was disconnected. It is not, it is the same number on file with my account. I spent nearly an hour on the phone with Citibank and was sent multiple times from representative to representative. Yes, I have done business with XXXX before, but not on this card. No, I do not know the passenger who attempted to purchase an airline ticket. After nearly an hour, I was finally transferred to a representative in the United States. She apologized, informed me of the process, and the call disconnected. 

I spent another hour on the phone on XX/XX/XXXX attempting to resolve this fraudulent charge. After another frustrating round of questions with a hard to understand agent, I requested to close my account. After a decade of no issues and millions of dollars in charges to my account I have closed my account because of this frustrating experience. 

To date, I have not resolved the charges on my now closed account. I am requesting assistance in once and for all removing these charges and closing my account permanently.
Consumer complaint received 2019-04-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (MD)

Hello How do I dispute a Hard Inquires. Someone keep open an Account with Chase Bank for the past 2 years I contacted Chase last Year when I received a Bank Card in the mail originally sent to my old address and I called them and told them it wasn't mine i didnt open an account with them they suspect fraudulent So after That a few months I check my credit report and saw there are several hard inquiries from Chase Bank I file a complaint and dispute with them bank. Chase bank USA checked my credit again yesterday without my permission. This is ridiculous they keep letting someone open an account And causing my credit to drop tremendously
Consumer complaint received 2020-12-01
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: EQUIFAX, INC. (FL)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am trying to review my credit, and make sure all the items on there are correct, but there are accounts that have been on my credit for a long time that absolutely should not be there.
Consumer complaint received 2021-05-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (VA)

XXXX put a gps block on my account so I can see the balance in my account nor can I transfer money My deliver prescription service is off they collect I need my meds and be able to buy gas and food.
Consumer complaint received 2020-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (PA)

I am trying to reconnect my bank, PNC Bank, to the XXXX app on my phone but it tells me that my bank has made changes that does not allow them to connect to my account anymore. So it suggested that I try reporting that and filing the complaint. I need this app to have access to my account so that i am able to receive money deposited in to my account.
Consumer complaint received 2019-04-15
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)

My identity has been seriously compromised and it has effective me and my credit ability in ways un imaginable, The following accounts are very haunting and I'm requesting that these accounts be thoroughly investigated, and that I be provided with the details and Method used. I would like to know what all certified documents used and inwhom conducted the investigation, their title, day, time and inwhom did they speak with, what physical documentation reviewed and what all documents sent to the consumer as proof of these accounts. These are the following accounts being disputed, ( # 1 ) XXXX/XXXX XXXX XXXX {$31000.00}, ( # 2 ) XXXX XXXX  {$0.00}, ( # 3 ) XXXX XXXX XXXX {$0.00}, ( # 4 ) XXXX XXXX {$0.00}, ( # 5 ) XXXX XXXX, ( # 6 ) XXXX XXXX XXXX {$0.00}, ( # 7 ) XXXX XXXX   {$4100.00}, ( # 8 ) XXXX XXXX XXXX {$1200.00}, ( # 9 ) XXXX XXXX   {$0.00}, ( # 10 ) XXXX XXXX {$870.00}, please remove these accounts.
Consumer complaint received 2019-11-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES (FL)

Hi, I have graduated from this school back in XXXX of 2011 under the assumption that I would be guaranteed to get a job in my field of study. Not only did they not help me get a job on my field of study, but I am now up to my ears in student loan debt. I am stuck paying for a loan for a degree that has been rendered useless due to the school closing its doors. This loan has cause so much hardship Im not sure what to do at this point. Ive tried countless times to get a job in my field but as soon as I even mention XXXX XXXX name I seem to be XXXX balled. I am looking to wash this debt completely from my credit because I can not move forward with my life with this anchor of a debt holding me down. Please help.
Consumer complaint received 2020-03-10
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (OH)

Hello CFPB, I am desperately reaching out due to some confusion in my home refinance with Rocket Mortgage. I recently closed my refinance only to discover my monthly payment has almost doubled. Called immediately to contest monthly payment. I was told my existing monthly payment of {$440.00} would only increase to {$480.00} to get a better interest rate and have money to possibly build garage in future. Perfect. Dont have exact dates of these transactions due to my constant waiting for hard copies of my full contract, but was in beginning XXXX. Unfortunately, payment is now $ 770ish. Yes, I am naive and very much dumb for not checking the numbers before signing final paper. Took Loan Persons word, and thats not what I received. I understand escrow, now, and understand the cushion for insurance, but I was assured {$480.00} was my monthly payment from now on. I only had {$45000.00} left to pay and a very comfortable payment. All I wanted to do was take advantage of lower interest rate, keep payment as low as possible. Now I have unknown excessive fees and a bunch of debt. I will lose my house if something cant be done. Thank you for your time. Get back to me as soon as you can. I am very afraid of losing all Ive worked for
Consumer complaint received 2020-12-01
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: CL Holdings LLC (VA)

On XXXX XXXX, 2020, JEFFERSON CAPITAL SYSTEM add a derogatory mark on my credit report per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JEFFERSON CAPITAL SYSTEM has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Checkr, Inc (AZ)

Checkr has taken longer then 30 days to process my background checks for XXXX XX/XX/2021 XXXX XXXX  MST and XXXX. XX/XX/2021 XXXX XXXX  MST. XXXX has already exceeded 30 days and is in violation of the FCRA. XXXX shows a estimated completion date that exceeds 30 days and will be in violation of the FCRA. They blame COVID-19, however, that does not excuse Checkr from the law. I have emailed multiple times and only get automated or canned responses. Checkr intentionally, willfully, and with malice disregards the rights of consumers afforded under federal law. This has been an issue not only for me, but for tens of thousands of others. I request under law any and all applicable financial compensation that I am legally entitled to, due to Checkr 's negligence and willful violation of the FCRA.
Consumer complaint received 2021-09-29
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. (PA)

I have sent in multiple letters regarding this account that violates my privacy and at this point I am a victim of identity theft and I am righting this to get the following deleted from my reports Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$1700.00} XXXX XXXX XX/XX/XXXX {$200.00} XXXX XXXX XX/XX/XXXX {$250.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$850.00}
Consumer complaint received 2020-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (PA)

Can not connect or transfer money from any account with pnc. Everytime I try to link I get a message saying PNC has made a change does not allow me to link my own accounts. Customer service was all but unhelpful and basically told me it is what it is. I have 0 issues with any other account, pnc needs to allow customers the ability to access THEIR own money and account they way they feel need be, they should never deny me access to my own account and money.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

I am writing to formally dispute the accuracy and completeness of the open date associated with the account : XXXX XXXX XXXX Open Date : XX/XX/2019 I believe the reported open date is incorrect, and this discrepancy needs to be addressed immediately. Under 15 U.S.C. 1681s-2 ( b ) ( E ), furnishers of information are required to conduct a reasonable investigation when a dispute is made regarding the accuracy of information on a consumer report. In the case of XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX. XXXX, it was emphasized that verification of disputed information must be supported by comprehensive and accurate account-level documentation. Furthermore, 12 C.F.R. 226.25 ( a ) stipulates that such documentation should detail all transactions related to the account in question. 

Given these legal responsibilities, I request the following : 1. A thorough investigation regarding the accuracy of the reported open date associated with my account.

2. The provision of complete account-level documentation that verifies the accurate open date in accordance with the XXXX case and applicable regulations. 

If your agency can not verify the accuracy of the information with appropriate proof of verification, I expect that the account will be deleted from my credit report immediately, in compliance with the FCRA. 

Please send me written confirmation of your findings and any corrections made within the required timeframe.