davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-01
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (NJ)

I am submitting another complaint to show the continual acts fraud that JP MORGAN Chase continues to committ. I never REFINANCED my home 8 months after purchasing the home. XXXX XXXX requested and discharged the original mortgage from the now Defunct XXXX XXXX in which XXXX XXXX out of XXXX GA plead guilty and went to federal prison for the fraudulent documents. XXXX XXXX paid off the original loan and I never entered into any other mortggage agreements with any one else. My signature has been forged on the 2008 refinance documents. The modification that Chase claims I had has my signture forged and now they submit documents on CFPB website response with a notary who claims that he sat before and witnessed my signature. I would like to know were this took place because I never did a refinance on my home. To prove this continual acts of fraud I have attached the notary XXXX XXXX XXXX signature on other mortgage documents that are not the same. He will also get added to the new law suit that will be filed in a couple of weeks. The attorney general and government should intervene in my case because I ca n't believe this fraud is continuing after the banks have entered into a settlement agreement due to this mortgage fraud. I am also willing to sit down with a forgery expert to prove these signatures on these loan documents are not mine,
Consumer complaint received 2016-04-27
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Fay Servicing, LLC (IL)

I previously was the owner of a property and had a mortgage with Fay Servicing , LLC. In XXXX, XXXX I was granted a Consent Judgement of Foreclosure. I submitted this court document with a letter to the mortgage company in XXXX, XXXX. The company Fay Servicing LLC has continue to report negative information to the credit bureaus up to XXXX XXXX, XXXX. Due to this negative credit reporting, I have been denied a PLUS loan to pay for my child 's college education. I have contacted Fay Servicing LLC to request the negative reporting to stop and for them to send me a letter indicating my current account status which is closed. They will not provide me this information so I can appeal my loan denial.
Consumer complaint received 2017-03-15
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (WI)

I filed a claim at my bank where there was fraudulent use of my checking account. Checks were written out to my sister by my sister twice a month over a six month period before I caught it and reported it. I did file a police report. The amount taken was {$6500.00}. After a three month investigation the bank only returned {$2500.00} to my account. I would like to try to recover the other {$4000.00}.
Consumer complaint received 2016-03-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (MA)

On XXXX, XXXX, 2016 I received a letter dated XXXX XXXX, 2016 from Chase stating that they were closing my account because continuing the relationship would pose a reputational risk to their company. The letter did not give any more information. They stated for more information, I should contact them. I contacted their office on XXXX XXXX as soon as I received the letter and the woman on the phone was not able to give me any information. She stated she could not see why my account was closed. She then wrote an email to corporate to ask them to contact me. She stated they will contact me in 24-48 hours. I am still waiting for the call. I do not understand this decision, since I have between really good and excellent credit. I pay them on time and have not had an issue with them.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

I contacted all three credit bureaus to have old and closed information removed with no response. The closed accounts that need to be removed are two from University XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2015-07-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

To whom it may concern, I am writing you in the hopes that you can help me remove an unwarranted item on all 3 bureau 's credit reports. Specifically, this involves the reporting XXXX mortgage payments. 
Please allow me to explain : I went through a divorce about XXXX years ago, at which time, I gave the title to our home to now my ex-wife. This was to keep the children in their home and minimize the disruption as much as possible. However, I was the sole person on the bank mortgage with XXXX Bank. Within the divorce decree I increase the necessary maintenance to my ex wife in order for her to be able to pay the mortgage and keep the house. Although I continued to send the necessary funds to her each month to cover that mortgage, she pocketed the money and did not pay. I asked my attorney if I could withhold those funds each month from her and pay the mortgage myself, at which time i was advised that it would be illegal to do so. So this went on for several months despite both my attorney and myself saying we would have to take this to court. After about XXXX months of non payment, we did take this to court in XXXX of 2012. She was found to be in contempt of court and ordered to bring the mortgage current within XXXX months and make the expected payments in the future. She ignored this court order and never paid a dime for the mortgage, despite my continuing to pay her the money to do so. This went on for a period of XXXX months until she put the house up for short sale. In the meantime my credit score continued to plument though no fault of my own. 
I brought this to all three credit reporting agencies including the supporting documentation from both the divorce decree and the contempt of court charge with reason listed from the courts. 
Despite the story description and the written proof which was provided, they have refused to remove it. 
It has been very difficult to manage things, including student loan co signing for my child 's college with this weighing me down. So I humbly ask you, can you please help me with this? 
I have provided the same written proof to you in the attachment below that I did to the credit agencies. 
If there is anything else you might need from me, please do n't hesitate to contact me. 
Thank you!
Consumer complaint received 2016-09-20
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (CA)

I 've opened a Mileage Plus Visa credit card with Chase. I got a mailer that states, that I will receive XXXX bonus miles after I spend {$2000.00} within the first three months. I got only XXXX bonus miles. I opened the account one year ago, but never looked at the miles portion, so it was recently when I discovered, that I was n't awarded the miles promised. So, I called the customer service line to ask why i was n't awarded the miles that were on the mailer. The answer I got was : " Because that offer was only for new customers, and since my husband had already a miles card and I was a authorized user under his account, the offer was not available to me. The mailer however, has my name on it. The answer for that was, that the marketing department does n't communicate with the department that sends out those mailers, and they do n't know who has a card and who does n't. I consider this mistake as a false advertisement because in this case, something was promised, that later denied based on internal company miscommunication.
Consumer complaint received 2015-06-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc. (MA)

XXXX org now have first national collection noticed on my credit report called national collect told me the dept was for service at a XXXX mass. address i told them i never lived in XXXX they told me to go file with police after police wanted a copy of contract i have been trying to get a signed contract for over 8 months nat collect and XXXX have not sent me a copy ihave tried with XXXX letters to them each XXXX deleted from my credit report but the other XXXX have not but after 6 months they did remove the false address in XXXX but they wont remove the collection of {$110.00} i asked them to send me any info how did they verify the bad dept send me a copy of a contract never any response
Consumer complaint received 2015-10-27
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (SD)

BY the way, the CFPB 's dispute site is not very user friendly. The options are limited for the complaints. I want to submit that all XXXX major credit reporting agencies dispute process on-line is not easy. These should be consistent and not require so many hoops to jump through. It should pull up your report and allow you to dispute each item and upload any additional documentation for your dispute. While some may offer these options, Experian is almost impossible to submit a claim as it kicks you out of your session then tells you you have to mail in your dispute? How inconvenient is that?
Consumer complaint received 2022-11-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (TN)

My bank account was wrongfully charged {$2700.00} and the merchant has written an email to me stating he would refund me the amount taken from my account. He wrote me that email on XX/XX/2022. 

It has been several days and I have yet to receive my refund that I was promised. 

I went to my local Regions bank branch and filed a report in person with a personal banker at Regions. The banker assured my issue would be resolved. 

After hearing of no reply after 4 days, I called Regions bank. 

The rep told me the dispute department denied my claim because the banker filed my claim incorrectly and because of this I had to refile my claim and was told I have to wait ANOTHER 10 days. No one called me to inform me that my claim was denied nor did I receive any email. If I didnt check, I wouldve been clueless. 

This is unacceptable to say the least. 

I work hard for my money and my bank is supposed to protect me.I went to the banker initially so it could be done right and now I have to wait another 10 days? This was a lot of money.

Im seriously considering leaving Regions bank over this.
Consumer complaint received 2016-01-26
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (VA)

From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX 1. The credit Bureau will not correct my address I have sent over 10 letters to have my address corrected and still it has not been done. All I GET IS VERIFIED AND THEY OPEN A FRAUD ALERT JUST TO CHANGE AN ADDRESS. THIS IS NOT THE PROCESS. 
2. I have sent over 10 letters to all the inquire COMPANIES on my credit report to have them REMOVED and get no reply from the creditors. All I get from the credit bureaus is VERIFIED AND THEY OPEN A FRAUAD ALERT. I have informed the credit bureaus.. I get no reply and they ignore me and open a fraud alert. 
3. By court order the bankruptcy and all accounts in the bankruptcy are to be removed from my report XXXX the state of XXXX because the credit companies did not do a good job at investigating the inaccurate info on the bankruptcy and READ them. They opened a fraud alert. 
4. The answers for anything is open a fraud alert not do the work of removing inaccurate info. 
5. This is what needs to be done 6. a. remove all fraud alters 7. b. remove ALL inquires I have not applied for credit DO N'T SAY VERIFIED!!!!!! 
8. c. remove bankruptcy per the order and all accounts in bankruptcy from my credit report 9. Change my address!!!!!!
Consumer complaint received 2016-12-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (TX)

Fraudulent Unauthorized Credit Inquiry credit information. I 've contacted these creditors over 60 days ago requesting verifiable documents and they all have fell to provide such proof, but I was told by the companies below to dispute directly with Equifax and again and again equifax has refuse to remove these Fraudulent Unauthorized Credit Inquiry, it has been over 60 days in my fight with Equifax, it 's so frustrating to receive over and over again XXXX ; We have reviewed the inquiry information for The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact :
Consumer complaint received 2017-04-07
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Equitable Acceptance Corp (OH)

Equitable Acceptance, XXXX XXXX XXXX, MN XXXX XXXX Toll Free XXXX I contacted this agency regarding assistance with repaying my outstanding Student Loans. I was informed that they would assist me in developing a repayment plan. I was emailed the documents to sign and return. Then they requested my Tax Returns for the past 2 yrs. be faxed to their office. I completed the process and then was informed that my payment was $ XXXX/mo. that would be deducted from my bank account at XXXX. I then received a statement stating that I owed {$1200.00} which is not my Student Loan Balance Owed. I contacted this company to cancel this transaction and was told that none of the monthly payments were going toward my Student Loans and that they had purchased my Student Loans from the original lender. I then contacted the original lender and was informed that they still are holding my Student Loans and they were never sold to this company. Equitable Acceptance is a loan company that is misrepresenting their products to students and getting them to take out loans thru their finance company. I did not request a loan with this company and was given false information regarding their service to people with outstanding Student Loan Debts. I want them to refund my money back and to be shut down from soliciting business on the radio to people with Student Loan Debts seeking assistance with a repayment plan to resolve their Student Loan Debts. I have been tricked into taking out a loan with a finance company that is not providing any assistance to me with repaying my Student Loan Debt. I want this loan cancelled and a full refund of my money. This was a horrible thing to do pretending to be a servicing agency to help people with outstanding Student Loan Debts. Thank you in advance for your time and assistance with this critical matter. Account Number # XXXX
Consumer complaint received 2016-03-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (TX)

I had submitted a dispute regarding a Medical Collection item with Equifax regarding XXXX XXXX XXXX on XXXX XXXX, XXXX, control number XXXX. This was item under dispute was last reported on XXXX XXXX, XXXX in the amount of {$250.00}. 

It was brought to my attention today by credit monitoring that an additional collection item was added to my credit report by Equifax , XXXX XXXX XXXX - reported XXXX XXXX, XXXX, in the amount of {$250.00}. 

This XXXX item is a duplicate of one currently under investigation as noted in the first paragraph. I called Equifax today at XXXX CST to dispute the XXXX item as a duplicate. 

I believe the intent of the data furnisher is not to respond to the original dispute dated XXXX XXXX, XXXX and allow Equifax to delete the item from the credit report. Then, add a new collection item. Thus, violating the spirit and intent of FCRA. 

During my call with Equifax , agent name XXXX, I asked if Equifax had controls in place to monitor data furnishers and the data provided when a dispute is under investigation. In addition, I asked if Equifax had controls in place to monitor data furnishers reporting duplicate tradelines. Her answer was no. There are no controls in place to monitor data furnisher activity to identify abuse or reporting of duplicate tradelines. 

When told that I wanted to submit a complaint regarding Equifax practices over the phone, she refused to accept my complaint and advised that the complaint must be submitted in writing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 8
Consumer complaint received 2016-12-05
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: Experian Information Solutions Inc. (TX)

I am disputing the findings of Experian XXXX XXXX XXXX because it failed to properly and adequately investigate my claims in the dispute against XXXX, XXXX XXXX, XXXX XXXX, SD XXXX concerning my credit card account ending in XXXX with the bank, and did not delete the account, instead Experian XXXX XXXX XXXX supported the bank in propagating unfair business practices by holding the Bank 's submission as accurate without fully investigating my submission. In fact, I believe that I have been as specific as possible in all discussions with XXXX, unlikely the Bank that continues to manipulate the dispute process ( Attachments B, C, and XXXX ). 
1. I am disputing the claim of XXXX XXXX Bank against me to the tune of {$550.00} as inaccurate because its permutation is erroneous, and therefore inaccurate. The calculations were based on wrong assumptions including wrong account closing dates, multiple closing dates, membership fees on a closed account and accumulating surcharges on a closed account ( attachments G, H, J, XXXX, and M ). 
2. XXXX XXXX Bank denied me insurance protection benefits on this account in spite of the fact that I was mandated and forced to opt into the policy, and paid the premiums. Even, after admitting to this fact, XXXX XXXX Bank made no effort to adjust the account, and continued to perpetrate the inaccuracy ( attachment G, H, J, and XXXX XXXX. 
3. XXXX XXXX Bank denied me the opportunity to negotiate a settlement. I made oral written attempts to negotiate the debt, but XXXX officials deliberate used tactics that made them inaccessible and ignored my written requests ( attachment D, F and L ). 
4. Experian XXXX XXXX XXXX did not review any phone records or transcripts to confirm the claims of either party to the dispute but relied solely on the submission of XXXX that its summary of statements were accurate, hence unfairly confirming the position of XXXX against me based on inaccurate accounting ( attachment G, H ). 
5. Experian XXXX XXXX XXXX did not examine any detailed bank statements to judge the accuracy of the content or determine how and why the figures were changing in such a dramatic fashion during such a short period of time, including who made payments or why the payment was made ( attachment C and M )? 
6. Experian XXXX XXXX XXXX refused to respond to my request for the details of their investigation XXXX attachment XXXX ). 

Therefore, my account ending XXXX with XXXX should be removed from charge-off status, and deleted completely because of these inaccuracies, lapses in the investigation process, and wrong verdicts ( attachments A, C and XXXX ). 
Note : The attachments are a compilation of documents obtained from the various credit reporting agencies approached during the dispute process.