davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I am writing to formally file a complaint against Chase Bank due to a series of troubling issues with my account, which have caused significant distress and inconvenience. Below is a detailed account of the events : Description of the Incident : In XX/XX/2023, I started working with a new company and relocated to New York at the end of the month. Following recommendations, I opened a new account with Chase Bank. 
- In XXXX, I received physical paychecks and deposited them into my new Chase account via mobile deposit after confirming the procedure with my banker. I also began using my credit card and accessing funds from the account. I transferred some money to my brother in XXXX, XXXX XXXX, and added him as a beneficiary to my account. 
- Approximately XXXX days after these transactions, I attempted to log into my account and received an alert indicating that my account had been suspended due to suspicious activity and was under review. I reached out to my banker and Chases customer care via email and several long phone calls to inquire about the suspension and seek resolution - to which the only response I received was This matter is under Chases backend team and we do not have adequate information to reveal, the bank has decided to shut the account - My banker informed me that the issue was no longer under his purview, despite being my designated relationship manager. Customer care provided vague and unsatisfactory responses, citing that a backend team was handling the issue and that they could not release my funds or disclose the reasons for the suspension due to confidentiality, which I allegedly consented to. They indicated that some verification was pending, requiring my employers name and number, which I promptly provided. 
- Despite providing the required information, there was no progress. My account remained suspended, and I faced the following difficulties : - XX/XX/XXXX : My account was closed. 
- XX/XX/XXXX : I visited the bank in person to address the issue. 
- XX/XX/XXXX : I provided additional verification details. 
- XX/XX/XXXX : I called again, only to be informed that no further assistance could be provided until the due verification was completed with the issuer of my pay-checks. 
- Note, all necessary details from my end ( employer name, designation, number ) was provided- however I was told that this would not be sufficient and they require some other number - Approximately XXXX funds are currently withheld by Chase till date due. 
- Until the last call made, my online banking services were also blocked with no due reason and I had to request them multiple times to at least activate that so as to access details about credit card transactions, which was eventually done.
Consumer complaint received 2019-05-03
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: Bread Financial Holdings, Inc. (NY)

I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Consumer complaint received 2020-11-17
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. (CT)

I submitted several disputes with each credit bureau. I have been a victim of identity theft and as a result my personal information was used and compromised. Several accounts showing on my credit report are listed as a result of identity theft. I have contacted XX/XX/XXXX and they are refusing to remove these fraudulent account as well as XX/XX/XXXX and I am not able to gain access to Equifax so that I can dispute these fraudulent accounts with them as well. I have submitted a verified police report as well as an FTC affidavit as verification of being a victim of identity theft. When contacting XX/XX/XXXX I was told by a representative of the Specialized Fraud Department, that once a dispute is submitted and the company says that the account is yours they will not remove it. This has caused me a major hardship, because my information was stolen and I have been victimized.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (WA)

I wanted to lift the freeze I placed on my Equifax credit report several years ago. When I tried to do this through Equifax 's website, https : //www.equifax.com/personal/credit-report-services/credit-freeze/, I got an error message saying that it could not be doon. 

I then called Equifax at XXXX XXXX  ( today, XX/XX/16 XXXX to temporarily lift my credit freeze. The phone system didn't allow me to do it. When I reached an agent they told me that my account was locked and I needed to wait two hours. 

When I called back later ( XXXX XXXX  on XX/XX/16 ), the phone system once again didn't allow me to lift it. I asked for a human operator to call me back. When they did, the operator told me that I needed to fax scans of my ID to them, wait 3-5 business days, and then re-try the process. 

According to https : //www.consumer.ftc.gov/articles/0497-credit-freeze-faqs and https : //www.consumer.ftc.gov/blog/2018/09/free-credit-freezes-are-here I should be able to lift my freeze in one hour online or by phone, or in three days by mail. In this case, none of those options are working in the described times. 

This is frustrating for me because I'm applying for a home mortgage and this means I am unable to make offers on a home I'm interested in.
Consumer complaint received 2019-05-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (TX)

My mortgage is currently 4 months past due. I have spoken with multiple representatives in order to explain my situation and my attempt to catch it up. 
On XX/XX/2019, I called in to U.S Bank home Mortgage in an attempt to begin resolving the situation and attempted to make a payment for a month which technically would have brought me down to 3 months. I also informed them that the next payment would be at the end of the day on the 14th which would have brought me behind to two months. 
The representative I spoke with at that time stated that they could not accept my payment. I requested an explanation and he replied that they needed 2 payments at one time in order to accept the payment. I again explained that i had one payment and would make the other on the 14th. The representative again declined to accept my payment but stated that I would likely have until the 14th to make both payments as my account had not been prepped for foreclosure and would not actually go into foreclosure until month 6. I am NOT in month 6 He reported that he would send me a mortgage assistance application to complete and that would stop any further proceedings. 
On XX/XX/2019, another representative called me and I attempted again to make a payment which would have brought me down to 3 months, she refused to accept the payment stating that I needed 2 payments at one time. I again explained I would not be able to do that until the 14th. She stated that it takes 48 to 72 hours to send an assistance application and to send it back on Monday. 
Today which is MondayXX/XX/XXXX, I called in to receive password because I received encrypted mortgage assistance application. The representative informed me of my passed due balance and further told me that they referred my house for foreclosure on today and that if I didn't have a total of 2 months payment today, I would lose my home. She further stated that there was no need for me to complete the mortgage assistance application because it would not due any good a this point and unless I pay the entire amount that's past due, I would lose my home. 
The issue is one, I was told different information by the representatives and more importantly, by the mortgage company REFUSING to accept my payment, it pushed me into the foreclosure process. 
Additionally, I was told by a representative a week or so prior, that I can call in a payment and then they would be able to work with me to bring the account current. 
Again, in order to bring my balance down, I need to be able to make a payment yet the mortgage company declined to accept my payment forcing to possibly lose my home.
Consumer complaint received 2020-11-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP (GA)

after recieving a call from the loan company, i agreed to make payments, i made a payment on line after falling behind from being sick. covic 19 came into play at work ours hours was cut. when i got a letter saying they would do a settlement i got the letter in mail so i called and tell me that they had filed a garnishment i explaind that i still had 5 days to take the settlement but the person said it was to late the letter reads lumpsum settlement or term settlement they didnt give me the chance to answer, i explained that i almost lost my home if it was not for the loan modiforcation on my mortage. i didnt think it was right to do me this way since we are under cov19.
Consumer complaint received 2019-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I'm constantly finding myself fighting to redeem my identity back. My identity has been compromised and now there's many unauthorized accounts on my report, and the 3 major credit bureaus are continuing to report these accounts without any certified physical documentation. I'm demanding that these accounts be blocked immediately and permanently from my credit data. The accounts are, [ 1 ] XXXXr XXXX   {$4500.00}, [ 2 ] XXXX XXXX  {$680.00}, [ 3 ] XXXX XXXX {$72.00}, [ 4 ]  XXXX XXXX XXXX  {$71.00}, [ 5 ] MXXXX XXXX  {$30.00}, [ 6 ] XXXX XXXX XXXX {$680.00}, [ 7 ] XXXX XXXX XXXX {$140.00}, [ 8 ] US Dept of Education/XXXX {$3800.00}, [ 9 ] XXXX XXXX XXXX, [ 10 ] XXXX XXXX XXXX, [ 11 ] XXXX XXXX
Consumer complaint received 2024-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

PLEASE HELP ME, EVERY TIME IM SEEING THESE FRAUDULENT ACCOUNTS, THESE ARE GIVING ME STRESS. I WANT THESE TO BE TAKEN OFF FROM MY CREDIT REPORT PERMANENTLY.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

Private student loan servicer : My loans were taken out with Sallie Mae and were sold off to Navient. On XX/XX/year> my father who is my co-signer, called into Navient, agreed to make a large lump sum payment of {$69000.00} using his retirement early which he was penalized for, in the agreement that my loans would be paid for in full and we would owe nothing thereafter as I could not afford a minimum monthly payment of {$1200.00}. Since then, I have been making monthly payments with interest payments because they never removed the last loan like they were supposed to. I have not spoken to this company in many months because I got nowhere with them. They lied to him and continued to do the same to me. After seeing that Navient is a fraudulent company and plans to sell off my remaining balance again to XXXX I am compelled to seek an attorney at this point fight them on this matter.
Consumer complaint received 2023-06-28
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. (NY)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
XXXX XXXX  Account # XXXX  XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXXXXXX XXXX  - XXXX Account # XXXX  XXXX XXXX XXXX XXXX Account # XXXX # # XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C.1681 C. ( A ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-05-06
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. (IN)

I have sent several letter to the credit bureaus specifically asking them for name and contact information of account they say they have verified. Instead of the information i requested I receive updated credit reports stating the accounts we mine. 
After the first letter I sent regarding inquiries, I received a letter from euifax stating it is normal practice when car shopping for the auto dealership to submit my application to various dealerships. I still have yet to receive any coorespondence from any of the bureaus with the information i requested. I have received emails from XXXX and Equifax stating my dispute has been completed but no answer to my questions of contact information of the persons verifying my accounts as accurate.
Consumer complaint received 2019-05-03
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. (MO)

I'm constantly finding myself fighting to redeem my identity back. My identity has been compromised and now there's many unauthorized accounts on my report, and the 3 major credit bureaus are continuing to report these accounts without any certified physical documentation. I'm demanding that these accounts be blocked immediately and permanently from my credit data. The accounts are, [ 1 ] XXXX XXXX {$4500.00}, [ 2 ] XXXX XXXX  {$680.00}, [ 3 ] XXXX XXXX {$72.00}, [ 4 ] XXXX XXXX XXXX  {$71.00}, [ 5 ] XXXX XXXX  {$30.00}, [ 6 ] XXXX XXXX XXXX {$680.00}, [ 7 ] XXXX XXXX XXXX {$140.00}, [ 8 ] XXXX XXXX XXXX XXXX {$3800.00}, [ 9 ] XXXX XXXX XXXX, [ 10 ]  XXXX XXXX XXXX, [ 11 ] XXXX XXXX
Consumer complaint received 2020-11-16
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (TX)

I closed on my refinance XX/XX/XXXX through XXXX XXXX. My previous loan that was paid off was with Freedom Mortgage. On XX/XX/XXXX I contacted Freedom Mortgage as I had not yet received the {$12000.00} from my escrow balance that I was owed. This is despite already receiving a letter in the mail stating my loan account was paid in full and closed out. That letter was dated XX/XX/XXXX. 

Upon calling their company I was told that it is sitting in a queue and would take 4-6 weeks to process. I told them that is unsatisfactory to sit on $ XXXX of my money for that long and asked to speak to a supervisor. They stated a supervisor was unavailable and that they would log my complaint and have a supervisor call back. I have yet to receive a phone call and furthermore can not believe this is legal or ethical.
Consumer complaint received 2020-11-16
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. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2019-05-06
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)

XXXX XXXX is showing on my credit reports never had XXXX XXXX. I have lived in XXXX XXXX Florida for 24 years and had XXXX XXXX XXXX XXXX for all 24 years not my account
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

Company Name Experian I disputed an account with XXXX XXXX XXXX {$15000.00} ( Account # XXXX ) due to identity theft. This account has been successfully deleted from my credit report with XXXX, yet it remains on my reports with Experian. 
Despite my attempts to resolve this issue directly with Experian credit bureau, the erroneous account has not been removed. 
Request for Action : I request that the CFPB investigate this matter and assist me in ensuring that my credit report accurately reflects my credit history. I believe this ongoing reporting of incorrect information is a violation of the Fair Credit Reporting Act ( FCRA ). 
Supporting Documentation : I am including copies of relevant documents, including : XXXX 's confirmation of the deletion. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely, [ Your Name ]
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I received alerts on my credit monitoring system and notice a plethora of inquires that I do not recognize and have not given my consent toward. This is a violation of 15 USC 1681 B : permissible purpose of consumer reports and must be deleted immediately : XXXX XXXX XXXX XXXX  transunion, XXXX XX/XX/year> TransUnion as well as incorrect versions of my name XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (OH)

Chase restricted my account and threatened to have my personal information blacklisted as fraud. This happened on XX/XX/year>. They informed me several days after restricting my account. After calling Chase, a " manager '' says that XXXX XXXX XXXXXXXX sent them a fraud alert on a check, because someone tried to cash a check at XXXX ( XX/XX/year> ) I deposited ( with no issues ) on XX/XX/year>. After contacting the dealership, they confirmed with XXXX  XXXX XXXX that there was no issue with my check and that the fraud was caught at XXXX with no issues. The dealership and XXXX  XXXX XXXX assumed the matter was finished and didn't have anything to do with me. They also informed me that there is XXXX reason as to why Chase is coming after me and threatening me, especially considering that XXXX XXXX XXXXXXXX did NOT contact them to go after me like Chase lied about. 

However, after talking to several people at Chase, they have tried to blame everyone else involved in the matter and have refused to do anything. The check was for over {$1000.00} which is a felony and can ruin my financial future by blacklisting me as fraudulent when the dealership and XXXX  XXXX XXXX have already cleared me. 

I will be taking legal action. Potentially ruining someone's entire life because they wanted to make up a fake fraud situation is pure harassment.