davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

Chase, could you please explain why you closed my checking and savings accounts?! It is crazy you close a customer 's account without a legitimate reason. I can not think of any reason because I've done nothing wrong. All I can guess are possible three things :. At the end of 2018, my balance on other banks ' credit cards is a little higher than normal ( about 30 % of the total credit lines ). This caused Chase to close all my Chase credit cards ( All my other banks ' cards were not closed at all ). Isn't it ridiculous? After I paid off the balance, I called Chase to reopen my accounts. Chase told me the reopen request must be filed within 30 days of account opening and since that day I called was the 32nd day, my accounts can not be reopened. I've never opened any Chase card because I heard other people say if Chase closed your account then you are on Chase 's blacklist and if you open a new account it will be closed. Several months later I closed my Chase checking account because I was disappointed with Chase.. Three months ago, I opened checking and savings accounts because there is a bonus offer of {$300.00} for checking and {$300.00} for saving. I opened my accounts online and deposited a check from my other bank of {$15000.00} in-branch to meet the {$300.00} offer requirement for the savings account. My credit score dropped a lot last month because I had a large balance. But now I've paid off it and my score has recovered to over 800. 

If is the reason this time you closed my checking and savings account, could you please tell me how many years you put me on your blacklist? Since I am receiving your credit card flyers from time to time. I do not want to waste a hard inquiry, applied, approved, and immediately closed again by you. If is the reason, is it because I deposited more than {$10000.00}? If you think deposit high amount is dangerous, why you make the bonus offer of depositing {$15000.00} and keeping it for 3 months?! If is the reason, please explain why credit card balance affects checking and savings account?! No matter,, or, none makes any sense to close my account. I've never encountered any other bank as crazy as Chase. Please give me the reason why you closed my account.
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation (NV)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I also understand that the credit bureaus have been allowed and additional 15 days to investigate, and yet still have not received any investigation results.
Consumer complaint received 2020-08-23
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: Self Financial Inc. (FL)

XXXX XXXX is reporting a secured loan to my credit report, showing a balance of {$720.00} but I dont have an account with XXXX XXXX or the Self lending app. 

My admin fees failed when I tried to apply and they mistakenly reported the installment loan to my credit anyways. 

On the Self app its telling me to create account which definitely means that I dont even have an active and open credit builder account with them. 

I called Self and XXXX XXXX and tried to resolve it but they seem to not care to delete their error. 

I dont even know how Im suppose to make payments on account I dont even have. 

Can you please investigate and delete the account below. 

The account number is XXXX Date opened : XX/XX/2020  Original Loan Amount : {$720.00}
Consumer complaint received 2019-10-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

Filed a claim on XX/XX/XXXX, same day as the transaction appeared on my acct, they provided a temporarily crdit, XX/XX/XXXX they pulled the money out of my acct with no notification or a letter saying they denied the claim, was not aware of anything at all. Had to check my acct 2 weeks later and noticed that my money was gone, called the company and said that there was not an urgency in filing the claim, which I filed it the same day. No one emailed me or call me in regards to a suspicious transaction, I faxed them a letter stating everything again to re-open the case and to get my money back, been with chase bank for years and never got an issue like this. Just trying to get it resolve as soonest possible. Faxed them the letter last Friday XX/XX/XXXX19 to reopen the case. they have my address so the concern of them not sending me the claim letter to notify me, just pulling my money and never send an alert for transactions got me mad, because it was set up to notify me for transactions over {$150.00} how I had it before and I didnt, the ammt was over {$2000.00}
Consumer complaint received 2019-10-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (DC)

Specialized Loan Servicing is harming consumers and needs to be held accountable. As many other Americans I had PMI as part of my original mortgage and have since paid off the principal to below 75 % and the automatic elimination of PMI at 78 % is written into the mortgage I signed. 5 months later they continue to charge PMI and refuse to correct and say they will get around to it. The customer service rep over the phone said they do this to all customers and she handles calls about this all day so they clearly stealing money from consumers and giving no way around this. Its not a grey area, its black and white and they should be fined for very consumer they have done this to
Consumer complaint received 2019-10-17
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)

I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (IL)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2020-08-24
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)

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Texas XXXX SSN :  XXXX Equifax XXXX XXXX Dispute Inquirys Dear Equifax XXXX XXXX, This letter is a formal request to remove unauthorized inquiries from my credit report. I also would like for you to remove the fraud alert on my credit report ASAP! 

XXXX XXXXXXXX XXXX XXXXXXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXXl Inquiry from XX/XX/2020 XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXXXXXX XXXX  Inquiry from XX/XX/2020 XXXX XXXX  XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXXXXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX Inquiry from XX/XX/2020XXXX XXXX  XXXX Inquiry fromXX/XX/2020  XXXX XXXX Inquiry from XX/XX/2020XXXX XXXX XXXX XXXX Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry fromXX/XX/2020In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address. 
Thank you for your consideration and cooperation and if you have any questions concerning this matter I can be reached at XXXX ). 
Sincerely, XXXX XXXX
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (NY)

Account was on automatic payment like every single card that I own and somehow got a 30 days late. I don't have 1 single late payment in my entire history. When I contacted Citi to rectify this and make sure that everything was fixed they sent me a letter stating that they were unable to locate the credit bureau inquiry. 

Please see screenshots. I need this late payment to be deleted from credit bureau immediately. 

Account XXXX
Consumer complaint received 2020-06-16
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

This " Company '', ACE, said they were collecting a debt. They said they would arrest my wages and get a court order from the credit bureau. 
I don't know if it is a scam. I owe money and will pay, but first they said {$2600.00}, then it was {$900.00}, now it's {$300.00}. What do I do? They said to pay via a XXXX prepaid card. They only go to {$250.00}.
Consumer complaint received 2019-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2019I viewed an update copy of my credit reports and noticed that XXXX XXXX Is reporting incorrect information on my credit bureaus file. XXXX   XXXX is reporting that this closed Credit Card account has been included in a Chapter XXXX Bankruptcy. I have previously on " XX/XX/2019 '', " XX/XX/2019 '' and XX/XX/2019 disputed this closed credit card account directly with XXXX XXXX. XXXX XXXX responded back to me each time that I am claiming " Account Fraud '' and that they will not investigate due to limited information. ( please see attached letters from XXXX XXXX ). 
I have never documented in any of my disputes to XXXX XXXX " Account Fraud ''. I requested to them in writing that they are reporting incorrect information to the credit bureaus that should be deleted immediately. XXXX XXXX last reported this incorrect information on XX/XX/2019. As of XX/XX/2019I do not have an active or closed Bankruptcy filed under my name or my SSN. ( Please see highlights on attach file showing Proof of no bankruptcy file. )
Consumer complaint received 2019-10-16
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (MO)

I got a credit offer for 12 months without interest, the last month to pay was XX/XX/XXXX and pay the whole amount in the middle of XX/XX/XXXX but bank put more than {$200.00} of interest for all the 12 months because I need it to pay before XX/XX/XXXX. 
I have called customer services and they haven't help. I asked them to charge me interest only for the days after the promotion but they want to charge all the 12 months. The bank keeps adding fees!
Consumer complaint received 2019-10-16
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

capital one data breach and XXXX capital one sending out fake letters that the fib stopped the data breach can they say that without a reasonable doubt why? DATA breach is a DATA breach how do you know the FTC violation that it will cause or already caused no one knows get it fixed
Consumer complaint received 2020-08-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IN)

We called quicken loans ( rocket mortgage ) on XX/XX/XXXX with some questions about refinancing. The lady we talked to ( XXXX ) was very nice, and said that we NEEDED to refinance Because rates were so low. She told us about the process, and it sounded promising. She asked us to estimate our home value, and we went off of XXXX and XXXX at the time. We ARE NOT experts, and this is not our profession. She stated if the assessment came in lower, it was no problem, they could just restructure the loan. She also stated, with rocket mortgage, all closing costs roll into the loan. Which was great, because we told her we did not have the means to pay closing costs. She then asked for a credit card to cover {$500.00} for the assessor. We were reluctant, because we didnt have that to just give away. But again, she said we would get that back. 
Well, two months later, we STILL do not know what is going on. We have gotten several mortgage scenarios. All including outrageous closing costs. We can not pay! We asked several times to just cancel this. If we can not do it, just tell us. You can not ever get through to a person, and you rarely get a call back. We just want our {$500.00} back, and cancel this! Its beyond frustrating. And for our experience, they are scammers.
Consumer complaint received 2020-08-23
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: OneMain Finance Corporation (MD)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2020-08-24
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. (TX)

This collection account was found on my credit report. I have disputed tis account. 



XX/XX/2020 XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA. XXXX File Number : XXXX XXXX XXXX RE : XXXX XXXX Mutual Balance {$270.00} Dear XXXX XXXX XXXX, This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of Texas and will file a complaint with the FTC. 
In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt. 
If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls. 
Thank you, XXXX XXXX XXXX.
Consumer complaint received 2019-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I payedoff my balance in the account and I didn't use my credit card for about 8 months or so. Suddenly, I noticed three hits in my credit score for late payments and my credit card closed. I talked to three different costumers service representatives, including one of the supervisors. I asked them why my account is closed and two of them replied that I didn't pay my annual fee in my card, which there isn't an annual fee on it and the supervisors told me that it was because of an interest fee after I payed off my debt.
Consumer complaint received 2020-08-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (MO)

On XX/XX/ a person hacked " XXXX XXXX '' XXXX profile to use as a Scam/ Phising. I was lead to believe that this was the persons page but come to realize that it was a SCAMMER. I need a refund on 3 separate transactions of {$50.00} that totaled to {$150.00}. I was lead to believe i was getting assistance in Bitcoin purchasing and services/goods rendered back by a XXXX Friend of Mine from HighSchool & more, But i was, SCAMMED by this name ... '' ( $ XXXX  ) is the Scammer 's, CashTag on CashApp ( SqaureInc. ) Real Name : XXXX XXXX. ( $ XXXX  ) I need my transactions refunded, i tried asking for a refund request but the Scam person blocked my actions on CashApp/SquareInc. 

I need to speak with a CashApp/Square Inc. Representative or Corporate on these transactions. I have Web Receipts for all transactions for proof & evidence. 
PLEASE CONTACT ME ASAP XXXX ( MR.XXXX )
Consumer complaint received 2019-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CT)

hi, My delta gold was cancelled due to a mistake. A few days ago, I called amex to reinstate this card. But Amex still clawed back the welcome bonus. I called Amex and was told there is no way to credit back once the miles are clawed back. But clearly my card is not cancelled but amex just refused to credit back my miles.
Consumer complaint received 2020-08-23
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. (OH)

I demand the following accounts be verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification XXXX XXXX I want the name, address, and telephone number of the person at the source you contacted and an affidavit under declaration of penalty of perjury from that individual, in other words a fact witness. The Method of Procedure as mandated by 15 USC section 1681 ( i ) ( 7 ) or FCRA section 611 ( a ) ( 7 ). I will expect you to complete your investigation within 30 calendar days from the date you received this dispute or the item being disputed will be unverifiable and subject to deletion. Please note that your Credit Reporting Agency is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on Abusive Acts or Practices. ( Section 1031 of the Dodd-Frank Act ) Thank You,
Consumer complaint received 2020-08-24
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

Carrington Mortgage Services offered me a streamlined refinance with no credit check, no income verification, and no appraisal. I was told twice via email that there would be no credit check. When filling out the application, I specifically DID NOT give consent to perform a credit check. Two days later I got a notice from XXXX that Carrington Mortgage had performed a hard inquiry on my mortgage file. Carrington also performed a hard inquiry against my wife 's credit file. We both have great credit, and they offered us a mortgage refinance, but they were dishonest and lied about accessing our credit.
Consumer complaint received 2020-06-16
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: Consumer Portfolio Services, Inc. (GA)

On my XXXX  Credit Report, I'm showing a vehicle load I never applied for the person. Received car and financing terms in my name and my credit report was locked at the time this was placed on my credit and I couldn't receive debt due to being in a bankruptcy that was filed. 

Company Name Consumer Portfolio Services Address : XXXX  XXXX XXXX XXXX, CA XXXX XXXX : XXXX XXXX XXXX XXXX I have contacted them several times on monthly basis from XXXX XXXX present but still have not received any information from company or return phone, and paperwork on vehicle. They placed a charge off on my account and did not verify any information upon opening or closing the account. 

This needs to be removed ASAP. 

Company XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Regional : Managers reached out to XXXX, XXXX, XXXX I also have an issue with an apartment complex XXXX XXXX XXXX. I never rented an apartment from this company and I have email XXXX XXXX regional manager on  XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX did not receive a response.