davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-14
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. (WA)

Hello, I would like to complain about Chase. I pay for a XXXX XXXX XXXX credit card, and this card comes with benefits such as a free XXXX XXXX subscription that allows its holder to visit airport lounges for free with 1 guest. 

On XX/XX/2020, my wife, our XXXX children and me visited such an airport lounge, as we do often. When visiting, I presented my XXXX XXXX card, as did my wife. In addition, our XXXX children should not have been counted, as they were respectively XXXX and XXXX XXXX XXXX. So we effectively counted as XXXX adults entering the lounge, while we showed passes allowing up to XXXX people to enter for free. This happened twice at the same lounge, on the outbound and return legs of our trip ( at the same lounge ). 

Somehow, the opposite happened : both times, the lounge staff let us in without telling us anything, but I was charged {$54.00} for " excess '' guests on my Chase credit card. The charges on the Chase credit card don't mention any reason for the charge nor the merchant, and Chase doesn't allow these charges to be disputed as they are regarded as " benefits '' ( at least that is what I was told ). 

I called Chase and complained about the charges, and when it became clear that these two charges were for lounge access and I understood what trip it related to, I explained the situation. I provided evidence to Chase regarding the number of people travelling that day, the fact that my wife allowed to enter for free with 1 guest, and the fact that our children should not have been counted to begin with as they didn't meet the age threshold to count as a guest. 

In XX/XX/2020, Chase refunded the charges for 1 of the visits only. I called Chase back several times to have the other visit also refunded, but Chase has refused to do anything about it. I have repeated asked Chase for any proof that we agreed to the charge, such as a signed receipt or pin I entered ( as I know we were never told about any charge at the lounge, as we would have immediately objected ) and Chase has never been able to provide one. Chase has effectively refused to fairly evaluate the charge, which I can only presume is because Chase is both acting as judge and party ( the charge is effectively for a " benefit '' they offer ). 

Chase has told us we would have to take up our complain with the lounge, but refused to give us any contact information for the merchant and information that would enable the merchant to identify the charge- we called the lounge ( we think ) the charge relates to, but they obviously have a hard time adjusting the charge if the only information we can give them is " we had a charge show up on our credit card, but no reference for you to look us up amongst your thousands of visits '' ...
Consumer complaint received 2021-12-15
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. (NC)

XXXX XXXX is reporting on all of my credit reports that I have a charged off account with them. I have never had any accounts, credit cards, etc. with XXXX XXXX. I've disputed this with all 3 credit bureaus and keep getting a response that says this information " has been verified '' and if I don't agree with this decision, I would need to contact XXXX XXXX myself. So I did, and told them they need to stop reporting this erroneous account on all 3 credit reports. They ( XXXX XXXX ) have failed to respond to my request and the erroneous accounts are still showing up on all 3 credit reports.
Consumer complaint received 2021-12-15
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. (CA)

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 or the company is reporting false information because I did not give permission for none of these items listed. I ask that the items be deleted to correct my credit report.I reported the these inaccurate items to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Affidavit. Please delete the items as soon as possibl
Consumer complaint received 2021-12-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc. (GA)

On XX/XX/XXXX, I received notification that Dovenmuehle Mortgage, as the servicer for my mortgage with XXXX, had performed an escrow analysis on my home. Contained within the analysis were some factual discrepancies. My home is in two counties. One of those counties ( County 1 ) has a property tax of {$4500.00} and the other ( XXXX ) only covers a small strip of land in my backyard is {$290.00}. The XX/XX/XXXX escrow analysis showed County 2 tax as {$2400.00}. This error created a projected shortage and, consequently a {$600.00} increase in my escrow payments per month beginning with the XX/XX/XXXX payment. 

Note : This same company was my servicer last year for my mortgage held by another lender. They failed to pay taxes in County 2 AND they shorted County 1. I received a notice of lien from County 1 before I could persuade Dovenmuehle to pay the back taxes. I ended up paying the County 2 taxes myself. 

In any case, when I saw this escrow analysis, I immediately contacted the servicer on XX/XX/XXXX. I provided all the required documentation from the County to amid the escrow analysis including : the current year bill and the XXXX Notice of Taxes. I was assured the escrow would be completed promptly and that the new analysis would be completed within 14 business days. I have called every week since that 14 days expired and have been told it would be completed by the end of the week. My file has been " escalated '' five or 6 times ( their language ) to no avail. This week, as I prepared to pay my mortgage payment, I was, once again, told it would be next week and then 45 days later before anything would change. 

I have read a bit on the laws associated with escrow complaints to loan servicers and found that they have failed to comply with any of the laws protecting my relationship with them. For example, they have never acknowledged that I filed the appropriate complaint as is required by law for them to do, in writing, within 7 business days of my complaint. Secondly, they have failed to resolve this complaint within 30 business days as is also required by law - as I understand it. 

Please assist me with ensuring the company uphold the standards set for them and protects my interest in this property.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

Equifax is reporting the wrong amount for the balance on a XXXX XXXX account on my consumer report. The other error is that the account has never been 30 days late. My score has been low due to unfair and inaccurate information. I do not agree.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (TX)

I am requesting statements of all of my late payments that are reporting to all of my credit reports. I noticed that I have several late payments reporting that I do not recall. This is negatively affecting my credit score and keeping me from purchasing a home.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I had XXXX student loan accounts with you. On my credit report, it shows late payments back in 2015. Could you please provide me with proof that I was late on my payments? These late payments are damaging my credit score & affecting my getting approved for a home loan.
Consumer complaint received 2021-12-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (RI)

Hi. I was looking for a second job to pay my bills, I applied for a remote job. I was desperate, I received a message stating they read my resume and they would like to proceed with the interview to get the job. They want to do an assessment to see my Qualifications. They told me I got the job on XX/XX/2021. They sent me a check to buy the equipments but they told me to get the equipment from the company that provides their company equipments I need to send it by XXXX. They sent me a location for an atm XXXX. It was the first time I applied for a remote job that responded. I was blinded by excitement. It's the first time have been scam, I had no idea a fake check can be deposited and validated by the banks. I though, if the checks I real maybe the job is real. I already XXXX XXXX XXXX now I have XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. The banks approved the fake check less then 24 hours. The bank wants me to pay the money back after I called them and explained everything. I have evidence that I have been scam. I didn't know such a scam existed. Losing hard earned money by someone that's doing nothing with their life is the worst thing ever. I always go to work at XXXX am to XXXX pm and sometimes XXXX am to XXXX pm. It hurts more knowing I've hard really hard for it.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC. (NJ)

I have attempted to dispute old student loans reported by Navient several times in the past for for violations but they are still reporting on my credit report. I have attached a copy of how they are being reported. The numbers I reference below correlate to the attached copy of my credit report. 

Items 1,2 and 5 are being reported on my credit report with no Date of First Delinquency. This is against FCRA rules. There is no way to determine statute of limitations and as such these files need to be deleted from my credit report. 

Items 3 and 4 show a date of last payment of XX/XX/11. This is clearly beyond the 7 year statute of limitations for an account of this type. It is also incorrectly being reported as past due when they should have been changed to charge off status years ago. These accounts need to be deleted immediately. 

The inaccurate listings of these accounts on my credit are causing me financial harm as they are preventing me from being able to purchase a home for my family. I have disputed these items well over a year ago and was truly dismayed to find nothing had been done. 

Please assist me in looking into this matter and helping to get these accounts deleted as soon as possible.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (CA)

The account/credit line opened with XXXX XXXX is not mine and XXXX confirmed the debt does not belong to me. However the debt which reflects as a charge off is being reported to credit bureaus as negative.
Consumer complaint received 2021-12-14
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. (NY)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2021-12-14
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: Monarch Recovery Holdings, Inc. (NY)

This is XXXX XXXX who is submitting this CFPB complaint myself. Despite the multiple previous written requests, the ALLIED ACCT listed below still remains on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

( ALLIED ACCT XXXX )
Consumer complaint received 2021-12-14
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. (NJ)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I am reporting because I am really getting annoyed with the business practices of this card. I understand that it is a card for those with limited to bad credit, but the fees are outrageous. It was reported that I maxed out or exceeded my limit. I did not max out the card. The fee of {$49.00} was added to the statement, making the account {$600.00}. It was not maxed out on my end. The added fee was what gave that result of {$600.00}. I paid for an XXXX XXXX & rental with this card & was strategic on not maxing out the card. Additionally, I did not receive a reminder of payment for the first month payment. So, after only 3 days grace period, I received a $ XXXX {$45.00} charge that was reported again. All of that which is reported is not helping my credit.
Consumer complaint received 2021-12-14
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. (AL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-14
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. (NY)

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. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 


Chapter XXXX XXXX XXXX
Consumer complaint received 2021-12-14
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Point Digital Finance, Inc. (MD)

By letter dated XXXX XXXXXXXX XXXX, Point Digital Finance , Inc., XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX, ( XXXX ) XXXX, rejected my loan application for {$55000.00} stating that " we are unable to approve your application... for the following reason : Value or type of collateral not sufficient '' ( copy attached ) I have contacted Point by e-mail on XXXX XXXXXXXX XXXX to request a full explanation of their adverse credit decision. copy below : ******************** Gentlemen, The 7 word explanation for your adverse action rejecting my application is incomprehensible, and I request a full explanation. 

Your notice dated XXXX XXXX, 2021 said : " Value or type of collateral not sufficient '' The " type of collateral '' is a single family residence ( XXXX sq. ft on XXXX acres ) constructed in XXXX which has been in my family since construction. My late wife and I purchased this property from my parents in XXXX when they moved to their FL retirement residence. Please explain how this " type '' is " not sufficient? '' As to " value ... of collateral not sufficient '' did you do your homework of this neighborhood? My recent ( XXXX XXXXXXXX XXXX ) XXXX research indicates that this property has a median property value of nearly {$380000.00}. Other nearby similar properties are listed in XXXX with values from $ XXXX to $ XXXX. Some have less square footage than XXXX XXXX, and some have more. Note : 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 

As disclosed in my application documents sent via the internet to Point Digital Finance, I have a first mortgage ( 15 year term ) on this property with current balance of just over $ XXXX ; I make monthly payments of nearly {$2000.00}. Thus my equity is about {$180000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I requested an XXXX amount of {$55000.00}. So what is the " value... not sufficient '' issue? 

FYI : I am reviewing the Fair Credit Reporting Act, the Consumer Credit Protection Act, and related federal statutes and regulations to determine if I should file a red lining or similar complaint in connection with your adverse action on my application. 

XXXX XXXX XXXX
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NJ)

I have paid off my credit card and closed it. The company during pay off confirmed that I will have no more balance and the account is closed. The company some how now managed to put some fees and constantly increased the balance and reporting this information to credit bureau. I would appreciate if this company bjs XXXX XXXX can stop this harassment.
Consumer complaint received 2021-12-14
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. (GA)

XXXX XXXX XX/XX/XXXX Last XXXX XXXX XXXX {$8200.00} Balance updated XX/XX/XXXX XXXX late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment account This account has 22 late payments because it is fraudulent thats why payment is not being made but yet it stills reports XXXX XXXX continues to report an open fraudulent account. They continue to report late payments, which is affecting my credit worthiness and my ability to get a home. Transunion Union and XXXX  XXXX continue to report incorrect information to my credit report. I will be filing a consumer lawsuit against XXXX XXXX XXXX, XXXX XXXX and Transunion for their negligence and total disrespect to my claim. Ive disputed this account over 6 times and yet it still reports on my credit. Ive sent in verifying documents such as, police report, sign affidavit, dispute letters, even called Transunion and spoke to the special handling department and was told my social security number and personal information did not match and my Transunion account was going into maintenance to correct errors that Transunion has reported. 

I spoke with XXXX XXXX XXXX Originator Manager of XXXX who ensured me that the fraudulent account would be removed immediately from there system due to fraud but yet it still continues to report. If this account is not removed with in 24 hours. I will be filing a lawsuit against XXXX XXXXXXXX XXXX and Transunion. For violating my consumer laws and violating the FCRA. I also believe that XXXX  XXXX has violated the ( The federal Fair Debt Collection Practices Act ( FDCPA ) after countless times of me letting them know that the debt was not mines. They still called and harassed me concerning the account. 

Under the FDCPA, lawsuits alleging violations of the FDCPA must be brought " within one year from the date on which the violation occurs. '' ( 15 U.S.C. 1692k ( d ) ). In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the U.S. Supreme Court clarified that the one-year statute of limitations for an FDCPA violation begins to run when the alleged violation occurs, not when the offense is discovered, absent the application of an equitable doctrine. 

Ive also contacted the FTC with FDCPA concerns. 

Ive also contacted the states attorney general concern this matter. And plan on pursuing full legal action on XX/XX/XXXX XXXX {$8200.00} Balance updated XX/XX/XXXX 22 late payments Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment account XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I recently pulled my credit report and discovered several unauthorized inquiries on my report. XXXX XX/XX/, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX