davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-06
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. (NJ)

On XX/XX/2018 I had my blood work done at XXXX. I provided XXXX XXXX with my insurance card and they asked for my Chase Master card which I did not question for what purpose. Upon returning home, On XX/XX/18, I called XXXXXXXX XXXX to question why their local lab asked for my credit card and spoke with XXXX. She assured me that my credit card details will be removed from their database. When I received my credit card statement, XXXX had charged of {$100.00} on XX/XX/18. I also received an invoice ( # XXXX ) for {$42.00}. This invoice was paid by in full on XX/XX/2018 through our HealthEquity Visa Health Account Card. 

On XX/XX/18 I opened a dispute with Master card. Chase asked me to provide proof of payment and I provided them with a copy of invoice, and Proof of Payment for {$42.00}. This was faxed to Chase on XX/XX/18. Upon follow up, Chase indicated that the fax was not clear and I mailed them copies through USPS. 

On XX/XX/18, Chase denied my dispute as they found no evidence of billing error, I called Chase again and they told me that if I want them to reopen this dispute, I have to provide them with a cancelled check from my Health Insurer. 

We also contacted XXXX again and provided them with the information I had sent to Chase Master card. XXXX was able to locate the billing error and issue me a credit for {$100.00} on XX/XX/18. 

On XX/XX/18 I called Chase Mastercard Credit Dispute department and spoke with XXXX ( Credit Dispute Supervisor and asked why Chase was not able to resolve this dispute with the information provided to them whereas XXXX was finally able to. XXXX indicated that Chase tried to contact XXXX on XX/XX/18 and was not able to speak with anyone at XXXX but unable to speak with anyone and closed the dispute in XXXX 's favor. She could not explain why but kept repeating that the information I provided to Chase was not sufficient to pursue further with XXXX.
Consumer complaint received 2018-07-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In XX/XX/XXXX, my XXXX and I opened a home equity line of credit with Bank of America. For the first XXXX years of the loan, the payments were interest only, which were paid 100 % on time. In XX/XX/XXXX, before the loan would transition to including principle payments, I contacted Bank of America and spoke with a woman named XXXX XXXX regarding extending the interest-only time period for a few more months while I sold the property and could pay off the entirety of the loan once it was complete. She assured me this arrangement was satisfactory and approved, and in the same phone call I made the following XXXX months payments. 

Despite this arrangement, I began receiving phone calls from Bank of America informing me that my payments were past due. I informed each caller of the arrangement Id made, yet they continued. No one I spoke to would confirm the arrangement Id made nor put me back in touch with XXXX XXXX to straighten this whole thing out. 

In XXXX and then again in XXXX I sent letters directly to XXXX XXXX, XXXX at Bank of America. I asked him to see the error was rectified and explained that the oversight on behalf of his company would cost me in the millions. I have not received any response. I disputed the incorrect history on the various credit bureaus, and they have remained unchanged at Bank of Americas instruction. 

Suffice it to say this has been a very frustrating situation and I would like it rectified immediately. I am very disappointed in having fallen prey to Bank of Americas less-than-stellar business practices that have led to multiple class actions suits against them. I have included the letters sent to XXXX XXXX, as well as the proof of delivery from XXXX.
Consumer complaint received 2022-08-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (CA)

On XX/XX/XXXX my husband and I were given a verified pre-approval letter by Mr. Cooper for XXXX. 

On XX/XX/XXXX we were given an updated verified pre-approval letter by Mr. Cooper for XXXX. Mr. Cooper stated that this letter meant that we were through underwriting and our income, our financial statements, and all other income related items were reviewed. Our Loan Offer, XXXX XXXX stated this letter was " as good as a cash offer ''. 

We proceeded with the home buying process for XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. We offered XXXX ( which was well below the ceiling of our approval ). We ordered and paid for a home inspection, paid an escrow deposit, paid a holding deposit home insurance ( California XXXX XXXX ), paid for the appraisal, the seller updated the septic tank, and made updates per the appraiser, and moved out of the property in anticipation of the upcoming close. We were set to close on XX/XX/XXXX. On XX/XX/XXXX, one day before the close of the home, we were told we were denied due to my employer type. I work for a XXXX XXXX XXXX ( XXXX XXXX ), and the Loan Officer told me the underwriter excluded my income. 

I had the same employer throughout the entire process. Nothing changed from the time they issued the " verified pre-approval '' until they rejected my income on XX/XX/XXXX. We spent one month working towards the close of the property and Mr. Cooper never once mentioned that my employment type or length of employment was an issue. This is poor business.
Consumer complaint received 2022-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.
Consumer complaint received 2022-08-23
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. (MD)

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

XX/XX/ My wife and I have a joint checking account at Citizens Bank. On XX/XX/, my wife deposited {$2900.00} in cash at an ATM of a branch office. During the transaction, the process hung, and a teller told my wife she would come out and resolve it. The teller and others from the office could not retrieve the debit card but saw that the cash was deposited. A 'DDA Statement Inquiry ' was printed out for my wife to acknowledge the ATM deposit of {$2900.00} and the balance on the account was updated as such. 

On XX/XX/XXXX, I paid a mortgage. My account should have had plenty of funds in it, but then, to my surprise, I received a notification by email that an 'overdraft line transfer ' occurred. On reviewing my account, I learned that on XX/XX/XXXX, Citizens bank made a 'Debit Memo, DDA Debit ' of {$2900.00}, which is a reversal of the deposit made on XX/XX/XXXX. 

I called a customer service line at Citizens Bank and asked what had happened. After about an hour of confusion at Citizens Bank, the best the person could do was open an investigation. He admitted that there were no notes or records that would justify taking the money. 

A few days after XX/XX/XXXX, I received a letter ( dated XX/XX/XXXX ) from Citizens Bank stating that they completed their investigation and based on the information you provided and the documentation available to us, we concluded that the nature of your dispute is unclear. As a result, your claim is denied. 

On XX/XX/XXXX, my wife went and spoke to the branch manager and asked about the status of returning our money. The manager didn't know what my wife was talking about and did not see any debit of {$2900.00}. When my wife returned and told me, I realized there was a severe problem, took an hour off from work, and went and talked to the manager. When she reviewed the account, she immediately saw that her office had debited {$2900.00} from the account. She had no explanation. She said she would look into it. I asked how long it would take? She said ten days. I said that is nonsense. She said, 'give me two days. ' I did not hear back from her. I called her on XX/XX/XXXX, and she was not available, so I left a message. She returned the call two hours later but didn't know who I was or why I was calling. I reminded her, and she said she would look into it. 

As of XXXX, on XX/XX/XXXX, I have not received a status.
Consumer complaint received 2018-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (GA)

The Receivable Management Services Corporation is attempting to collect a debt that I do not know. I have requested numerous times that the company provide me with information showing that this debt is mine as well as the amount owed. They have failed to provide me any documentation that this is my debt, but are continuing to send bills threatening to take legal action if I do not pay the debt. This has been going on since XX/XX/XXXX. They have also been reporting that I owe them {$380.00} to the credit bureaus which is damaging my credit. I first requested that they verify that I owe the debt back and XX/XX/XXXX and never received any confirmation. But they are continuing to send bills threatening legal action and reporting to the credit bureaus.
Consumer complaint received 2022-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The Consumer Reporting Agencies are not only willfully but negligently reporting negative information to my credit file. After numerous attempts at communication with them, they have not responded in accordance to the Fair Credit Reporting Act and have extremely affected my ability to extend credit.
Consumer complaint received 2022-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION (MD)

On XX/XX/XXXX my business account at M & T was restricted for unknown reasons. I could not access funds and my debit card was cancelled without warning. After calling customer service, they explained that I should have received a letter and had to go into a branch regarding standard US Patriot Act Verification, which I had already addressed within the branch on XX/XX/XXXX in person and was told all is good. The customer service agent called the department that handles this and was told that the local branch at XXXX put the restriction on the account. After arriving at that branch, they did not know what it was for and had to call the department that handles these issues, despite being told the branch could solve the issue. 45 minutes in the branch and they were still on hold when they said they would follow up with me. Eventually, 3 hours later someone called and said it was taken care of. However, my debit card appears to be closed permanently. I still have no idea what led to all of this suddenly happening.
Consumer complaint received 2021-10-19
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. (MD)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021, and I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING ACCOUNTS ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXXBalance {$8100.00} XXXX XXXXBalance {$49.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX-Balance {$420.00}
Consumer complaint received 2018-07-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (FL)

I contacted Caliber Home Loans back in XX/XX/XXXX to complete a loan modification due to a missed payment when Hurricane Irma happened. It is now XX/XX/XXXX and Caliber has yet to get all the information correct to complete this modification. It started off with not receiving faxes of required documents ( I have the fax confirmations ) so we started uploading all required documents into their website on my account. Every time I contacted them, a form was out of date and needed to be resubmitted. Any mailed information they send is 3 weeks behind and never loaded on my account on website. 
This exchange of required documentation went on for 6 months!!! 2 weeks ago, an agent provided me wrong information due to modification containing a payment HIGHER than what I pay now and her answer to me was I guess you need to find more money .... I immediately asked for a supervisor and was told by him that she gave me wrong information and he submitted information to modification group and not to make a payment this month until new payment is established. Well I called today ,XXXX, to find out what is going on and another agent gave me wrong information and no supervisor is available right now. 
Im trying to do the right thing and catch up on my payments using the help they offered and it has been literally 9 months of XXXX trying to get this completed. 
If I was not in the situation Im in due to handing parents financially as well, I would leave this company and I will tell anyone considering his company not to use them. They have been completely useless in my time of need. Of the 19 different single point of contact specialists I have had to deal with, each one says they will help and have everything handled for me ... .. yet it is not handled. I just want the modification and get back on track with my mortgage. This has been unnecessary stress for 9 months ( and counting ).
Consumer complaint received 2022-01-04
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. (OH)

Equifax has been reporting misleading information on my credit report. I sent dispute letter to the company multiple times and they keep saying its verified but they have not supplied any supporting documents letting me know how. They never supplied sufficient information to me in order to validate the debt. I do not agree with their actions. I have challenged the accuracy and integrity of the information. 12 cfr 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) state that data furnishers Reflects the terms of and liability for the account or other relationship ; Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and Identifies the appropriate consumer.

12CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : Is substantiated by the furnisher 's records at the time it is furnished ; Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living
Consumer complaint received 2021-10-19
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. (MD)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021, and I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING LATE ACCOUNTS ARE STILL FOUND AND NEED TO BE UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX-Balance {$7500.00} XXXX XXXX XXXX-XXXX-Balance {$21000.00} XXXXBalance {$0.00}
Consumer complaint received 2018-07-05
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2018, I received notice from Chase bank that a home equity loan I was sure I had paid off three years early had XXXX balance. To my surprise, chase notified me that I owed {$140.00} due to the interest that had compounded. I disputed the charge and informed them that I called to check the pay off and that they had never sent a bill prior to the notice. My credit score was above 800 during this time. After I disputed the bill, they sent several negative reports to XXXX which dropped my score to XXXX. 

This is the second experience I have had with Chase and this practice. I have since given in to paying the debt and closing the account, but I feel that they have retaliated against me for questioning why I did not receive a bill in three years.

The million dollar question is, why did I receive a negative report after carrying a " three year balance '' and a negative report was sent only after I disputed? 

respectfully, XXXX
Consumer complaint received 2022-01-04
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. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report
Consumer complaint received 2022-08-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In early XXXX I became aware of identity theft associated with my personal information, via an alert from XXXX XXXX This prompted me to immediately attempt to retrieve my credit report first from each of the three main credit reporting agencies XXXX, XXXX, and Transunion. 
When I attempted on Transunion website the questions asked to verify my identity didnt pertain to me XXXX, In XXXX of XXXX you opened an account with which of these three institutions? those security questions didnt pertain to me. Likewise, the site wouldnt accept my email or phone number to send an email or text a code to. I was blocked from obtaining the result I desperately needed to achieve. 
Because it was the middle of the night, I tried to do so through annualcreditreport.com however I was met with the same exact situation. On XX/XX/XXXX I tried to call their consumer relations center. The first person I spoke to was named XXXX. XXXX and I had a really difficult time understanding each other due to a language barrier because Transunion has outsourced something as important as this. XXXX transferred me to someone else this person was also unable to assist so they transferred me again. This person was unable to help me, and I would like to add this is most likely due to the language barrier we all had. 
I went online to the online chat. This agent told me there was system maintenance needed on my file and that someone would reach out to me within 24-48 hours. It is now 11 days later, and I STILL havent even been able to pull my credit report let alone place an immediate security freeze on my account meaning my account is still fair game to steal from and my credit is getting worse daily.
Consumer complaint received 2018-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial (NJ)

As a customer of Ameritech Financial I was not informed that the forms that I filled were available for free and that their service was unnecessary as I filled out all the forms and mailed. I am also concerned about identity theft because I have give out some very sensitive information ( such as XXXX in username and password to my XXXX XXXX account and website ) Im afraid that im involved in fraud. Ameritech Financial did not make payments towards my loan and my interest has been accumulating.
Consumer complaint received 2022-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (CA)

Company has not followed the credit reporting guidelines. The CFPBs debt collection rule requires debt collectors to take certain steps before reporting a debt to a credit reporting company. This company has neglected to send me any correspondence and/or any means of communication validating if this account belongs to me, prior to reporting to the credit bureaus. 
They further are fraudulently reporting on an account that has no merit, as I never had an account with XXXX or Jefferson Capital in XX/XX/2019 in the amount of {$2600.00}, not to mention they have waited seven ( 7 ) years to bring such a claim and have neve sent me any correspondence signed contracts, etc. 
They have not provided any original documentation to prove I have had an account with them through my many attempts to request this information, they have refused to provide any such documents and continuously harass me.
Consumer complaint received 2022-01-04
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. (FL)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and no third party is involved in the process. I have been dealing with unauthorized use of my personal information. Which result in unauthorized items on my credit report.