davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (IL)

Sometime on the night of XX/XX/XXXX or early XX/XX/XXXX my debit card was stolen. The next morning I woke up to alerts from my bank app relating to transactions and ATM withdrawals that had occurred that morning. I immediately called the bank ( at XXXX XXXX CT ), notified them that any transactions from that account that day were fraudulent, and to block the card. The bank temporarily credited some of the charges, but not all, and turned the card off at XXXX XXXX CT ( I have email confirmation of this ). A couple days later on XX/XX/XXXX, I went into a Chase branch to figure out why only some of the charges had been credited. The personal banker there informed me that whoever took the initial call missed some of the charges and it seemed some of the charges even occurred after the card was supposed to have been shut off. She also said that it would take a few days, but by XX/XX/XXXX I should see everything credited back to my account. However that never happened and instead the bank began reversing out the credits they had already given me. Then on XX/XX/XXXX, I spoke to the personal banker from the branch again and was told that the bank 's fraud department had determined that the charges were authorized ( since a pin was used ) and that I would not be receiving any credits. 

A few things that I think are important to consider : The bank allowed {$5000.00} to be withdrawn across 13 transactions over about 4 hours.

4 of the transactions occurred after I initiated the call to the bank fraud line. 
It appears to have taken 17 minutes into that call for the bank to have shut the card off. 
The bank never provided temporary credits for some of the charges. 
Most of the transactions occurred in XXXX. XXXX and XXXX ( between XXXX and XXXX ET ), and I live in XXXX without a car. 
I have credit card payments occurring in XXXX Saturday close to XXXX XXXX and again on XXXX XXXX. 
I have a receipt for an XXXX delivery to my XXXX apartment at XXXX XXXX  CT. 
I have multiple accounts and credit cards with this bank ( for over 10 yrs ), have been an excellent customer, and have never had activity similar to these charges ( cash back at XXXX, several large cash withdrawals in short time, any use of the debit card for that matter ). 
Chase claims to have a zero liability policy regarding fraudulent charges.
Consumer complaint received 2021-09-29
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. (NJ)

XXXX XXXX XXXX XXXX XXXXXXXX Sent a dispute out on XXXX XXXX on the The following Account was charged off as of ( XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statue of limitations. 

Ive also noticed on the account there were errors in the ( BALANCE ) & ( DATE OF LAST ACTIVITY ) section. Equifax is reporting a balance of {$290.00} with a date of last activity as XX/XX/XXXX, XXXX is reporting a balance of {$0.00} with a date of last activity as XX/XX/XXXX and XXXX is reporting a balance of {$490.00} with a date of last activity as XX/XX/XXXX now all three of these balances and date of last activity cant be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It was there duty to ensure that all information reported is consistent and most importantly accurate and they have failed to do so. So i asked that if they could Please DELETE this erroneous item immediately they reported that it was updated but nothing was changed. 

All in all theres plenty of discrepancies on this one account alone XXXX is reporting the high balance as {$490.00} XXXX is reporting the high balance at {$0.00} and Equifax is reporting it as {$290.00}. Second is the Dola Date XXXX is reporting it as XX/XX/XXXX XXXX is reporting XX/XX/XXXX and equifax is reporting XX/XX/XXXX. Third error is that XXXX is reporting the closed date as XX/XX/XXXX but XXXX  and equifax has no closed date which makes no sense at all if the account status is reporting as a closed/Charge off then whats the closed date? Fourth error is the last payment transunion is reporting it as XX/XX/XXXX, XXXX is reporting it as the same XX/XX/XXXX but equifax is reporting it as XX/XX/XXXX. The Fifth error is the late payment thats being reported XXXX is reporting that there was no late payment in XXXX but equifax is reporting it as 30 days late and in XXXX XXXX is reporting 30 days late but equifax is reporting 60 days and XX/XX/XXXX XXXX is reporting 60 days when equifax is reporting 90 days but XXXX is reporting 90 days late in fed XXXX. There is so many errors on this one account alone that i distorted and came back verified and updated which you can obviously see was not so there for i believe that they should remove the account from my credit file theyve been reporting wrong information on this account for years
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. (CA)

XXXX XXXX  XXXX {$460.00} charges was made fraudulent. Due to identity theft. 
XXXX XXXX XXXX dollar was fraudulent charges Due to identity theft. 
XXXX XXXX XXXX {$310.00}. 
XXXX XXXX XXXX XXXX account number XXXX. It should not be in my file. It was paid off. 
XXXX XXXX XXXX Fraudulent charges. 
Thank you
Consumer complaint received 2021-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

Collection is not from original creditor Jefferson capital system at XXXX XXXX XXXX XXXX XXXX, MN XXXX has been sending me collection notices in the amount of XXXX the collection has been reported as past due. I do not know this company i have never done any business with this company. This business does not have a contract with my signature.
Consumer complaint received 2021-09-28
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. (AR)

I recently received letter from XXXX XXXX XXXX. Informing me they rececently have received inquiry about my dispute of mortgage loan being paid off in full by me. That being reported my mortgage still showing open as being delinquent in payments and foreclosure on my credit report through XXXX, Equifax and XXXX that causing my credit scores not to increase.
Consumer complaint received 2019-05-28
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Millco Management (NJ)

To whom it may concern at one point I owed money to Original Creditor Name XXXX XXXX XXXX XXXX XXXX than it got turned over to Amerifinancial Solutions which has called up non stop after I have told non stop to stop calling me with harassing phone calls ... 

I paid off the original company in cash which was a hospital. I no longer owe said debt. Back in XXXX  I explained all this to someone at customer service and they said all of this would be taken care of and off my credit report files. As it is not accurate. Maybe someone did not put it in the computer that I paid. I do not know. I just hope this can all be cleared up.
Consumer complaint received 2021-09-28
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX  XXXX  XXXX {$0.00} XXXX XXXXBalance {$18000.00}
Consumer complaint received 2021-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

DISCOVER FIN SVCS LLC Date Opened : XX/XX/XXXX on XXXX. XX/XX/XXXX on XXXX Credit Limit : {$500.00} on XXXX. {$0.00} on XXXX Last Reported : XXXXon XXXX. XXXXon XXXX Date Last Active XXXX XX/XX/XXXX on XXXX. XX/XX/XXXX on XXXX Date of Last Payment : XX/XX/XXXX on XXXX on XXXX This account is being reported with two different dates of last activity, payments, reported, credit limit, and date opened. If this account is being reported by the same source, why is everything different? Need it deleted for being inaccurate reporting from my XXXX and XXXX. 

This is a violation of reporting false information BY DISCOVER on my credit report.
Consumer complaint received 2019-05-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC (IL)

I graduated from trade school in the recession with a trade as a XXXX for the XXXX XXXX. As you know when the recession happened auto dealers were going out of business left and right. I spent the better part of five pluse years between jobs and unemployment. This put me behind on my student loans. Now I read about XXXX  and there dealings with you and all types of other articles about there ways of handling there borrowers. This concerns me as I have received several different phone calls from several different collections agencies and I dont rightfully know whom to trust in regards to setting up payments based upon what i have read. I need your guidance as to what my options are based upon your knowledge of XXXX.
Consumer complaint received 2021-01-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OR)

We have the Visa Citi Card. 

We set up auto-pay. This month, we were notified that the payment didn't go through. We called to ask what happened. The customer service rep told us that auto-pay cancels after 6 months. We asked where those terms are. She said the agreement. The terms do not appear when you are signing up for auto-pay. Indeed, when I re-enrolled in auto-pay over the phone with her, the disclosure she gave to me DID NOT INCLUDE that in 6 months I would be un-enrolled in autopay. 
I was charged an interest payment because the payment was late. 
These terms are unfair. I think that they should not unenroll you in auto-pay - that only makes it harder to pay your bill! And the fact that you will be unenrolled in auto-pay should be clearly disclosed and agreed to when you enroll in autopay.
Consumer complaint received 2016-12-25
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Between XX/XX/XXXX ( after the issuance of the XXXX for XXXX installment statement ) and XX/XX/XXXX, Bank of America bought down the principal balance associated with this account. According to the information and representations provided to me on XX/XX/XXXX during a telephone call starting at XXXX to customer service at XXXX by XXXX, a Bank of America employee, the XX/XX/XXXX and XX/XX/XXXX installment payment amount is {$1100.00}, reduced from {$1500.00}. I was also informed during this call the adjustable rate mortgage ( ARM ) will adjust between {$1100.00} and {$1200.00} effective XX/XX/XXXX. 

On XX/XX/XXXX during a telephone call starting at XXXX to XXXX, Bank of America represented to me there is currently no written determination on appeal addressed to me issued by an Appeals Specialist of the Appeals Department as far back as XX/XX/XXXX. Also during this call, Bank of America confirmed there are a total of XXXX ( XXXX ) open and pending escalated cases, reference numbers XXXX of XX/XX/XXXX, XXXX of XX/XX/XXXX, XXXX of XX/XX/XXXX, XXXX of XX/XX/XXXX, and the timely requested appeal of XX/XX/XXXX ( as no Appeals Department determination on appeal has been issued ). 

As a matter of law, all Case Escalations are required to be resolved prior to initiation, continuance, or completion of any foreclosure process and evidenced by a written response to the customer. To date, no written response has been provided to me indicating any of the above referenced case escalations are resolved. 

I did not default on Bank of America ; Bank of America defaulted on me. 

28 ) State Tax Evasion - Intentional 29 ) Federal Tax Evasion - Intentional 30 ) Withholding of accurate or complete Federal tax related documents. 

36 ) Withholding of accurate or complete State tax related documents. 

37 ) Negligent Tax Evasion - State 38 ) Fraudulent Tax Evasion - State 39 ) Negligent Tax Evasion - Federal 40 ) Fraudulent Tax Evasion - Federal 41 ) Defauding the citizens of the United States of America. 

42 ) Defauding the citizens of the State of California. 

43 ) Misuse and abuse of State government provided funds. 

44 ) Misuse and abuse of Federal government provided funds. 

45 ) Negligent Loss Mitigation Processes, Practices, and Procedures. 

46 ) Fraudulent Loss Mitigation Processes, Practices, and Procedures. 

47 ) Failure to acknowledge an openly nortorious adverse possession claim to real property. 

48 ) Negligent recoding of real estate related documents. 

49 ) Fraudulent recoding of real estate related documents. 

50 ) Negligent transfer of ownership of real property. 

51 ) Fraudulent transfer of ownership of real property. 

52 ) Withholding of accurate or complete mortgage related documents. 

Bank of America must stop themselves before the Trustee Sale at auction of XX/XX/XXXX. 

All other previously mentioned resolutions are desired desired.
Consumer complaint received 2016-12-14
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PRESTIGE FINANCIAL SERVICES INC (GA)

I owe a debt to a creditor and went through the litigation process and a judgement has been placed against me. I accepted the judgement for the amount of a little over {$10000.00}. This same creditor is still reporting to my credit report and the debt is growing. The debt amount is now {$14000.00} and growing. I 'm in the state of Georgia and this case went through the XXXX XXXX court system, civil action no : XXXX. Can someone please help me with this issue, I need to know if this is a legal act. I was once threaten with jail time harassing phone calls to my home and job. I feel helpless.
Consumer complaint received 2019-03-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: LD Holdings Group, LLC (NC)

This company says they are called Loan Depot. They are calling for a person named XXXX and have disclosed to me his is approved for a loan application this person submitted. I informed them repeatedly they have the wrong number, but they continue to call me daily and multiple times daily. This is just one phone number they used. I also have numbers from XXXX, XXXX, XXXX and XXXX. Today at approximately XXXX EST was the most recent one, from a representative named XXXX. The last one i can recall picking up as a couple days ago from a rep named XXXX. Each time they call they also state the call is a recorded line, so I'm confident they have an internal system of record that shows when and how often they have been calling. 

It is not only harassing, but predative lending too based on the person they are trying to get ahold of ( XXXX ) about a loan application, and the frequency of harassing phone calls. If XXXX wanted a loan, then that person probably would have given his phone number, not someone else 's. I am not XXXX. For the sake of CFPB knowing, my first name is XXXX.
Consumer complaint received 2017-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have XXXX accounts XXXX XXXX XXXX XXXXXXXX Bank of America XXXX XXXX XXXX services But on my report they show only XXXX accounts and that 's the reason my score went low
Consumer complaint received 2021-10-05
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 30 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 30 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person
Consumer complaint received 2019-03-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo Visa cut my credit line from XXXX to XXXX Only for the reason I used it more then I had in the Passed only to do work on my new condo.. I allways though is ok to use your card with out any Discrimination it seems in my case thats not true .. 
I am and will stay a loyal card holder and pay my monthly payment on time all the time and for that Im Penalized for being a good customer since I opened my account .in fact there times I have doubled and tripped my monthly required payment ... 
This action by Wells Fargo Visa caused my credit score to drop 54 points on XXXX XXXX, XXXX and XXXX  I asked. if you do this to a loyal card holder what do you do to one who dont pay on time. XXXX  Them?

Not Fair!!!
Consumer complaint received 2016-12-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivables Management Corporation of America (AR)

A collection agency is trying to collect a debt from me that has been paid by my insurance company. XXXX county medical center is trying to collect for services render XX/XX/XXXX. The Insurance company informed the medical center the debt has been paid but the medical center continue to harass me. This is the second time that the center turned this bill over to collection. I informed the collection agency the bill had been paid and they pulled the bill back. Now it has been almost 1 year and I get another letter from the collect agency, I asked for proof from the insurance co and they sent me a ltter showing bill paid in full and there was nothing owed by me, I informed the agency that I had a letter showing nothing owed by me and they wanted a copy of the letter. I mailed a copy of the letter that I received on XXXX XXXX, XXXX and to my surprise I received another letter with a copy of the validation of the debt and there was no mention of the copy of the letter that I sent them showing I did not owe this bill. Enclose is copies of correspondences from the collection agency. I consider this a form of harassment. I am XXXX XXXX XXXX that is why I pay for a supplemental insurance policy to pay medical bills that medicare dose not pay. I have been harassed for over 1 year with this hospital, I have tried to settle this account by asking the hospital to a XXXX way conference call and they refuse to speak with insurance company while I am on the line
Consumer complaint received 2024-08-30
Product: Credit reporting 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)

I, XXXX XXXX, am filing this complaint on my own without any external assistance. Enclosed are letters detailing the inaccuracies found in my credit report. The reports from XXXX, Experian, and XXXX contain incorrect and inconsistent information with improper dates.
Consumer complaint received 2019-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

My issue is with Sychrony Bank a Mastercard under the store name Walmart. After a request to the company to stop sending late payment requests via email, telephone and text messages. I continue to receive them. I used there automated system to pay my credit card balance in full. I remitted a payment of {$7100.00}. They keep calling me asking me to make a {$180.00} minimum payment. When I dial into the automated system they inform me no payment is due until XX/XX/2019. They have credited me interest and have stated I will not receive any more messages. Since that time. Every day I receive either an email. Text or person calling asking me to remit {$180.00}. I feel harassed. A minimum payment is considered the bare bones to keep the account in good standing. They have a technological issue that is ruining my opinion of the aforementioned companies. I was told it was because I paid after closing and before the statement generated for the next month was printed there was a balance due. The software should have a if then qualifier rational. If payment was more than minimum due no notification is needed. These companies are letting technology dictate their relationships which isn't always the best idea. Output is as good as the human programmer has written the code. It needs to be fixed. Account ending # XXXX.
Consumer complaint received 2020-06-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (FL)

Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been 2 months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. 

The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. Thats all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). 

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law!