davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NE)

I received a letter in the mail a few months after applying and opening a united XXXX XXXX and amazon XXXX credit card with Chase. I always pay way more than required on the card, even sometimes making the payment the same week as a purchase. 

I received a notice that my accounts were going to be closed due to a " personal investigation '' on me. I was XXXX XXXX XXXX XXXX XXXX XXXX OVER 5 years ago! I have paid my dues, have completed all XXXX XXXX XXXX, XXXX XXXX XXXX. I have also worked hard to rebuild my life, build my credit, and was excited to make these progresses. No current investigations are going on, this is all old! I am not sure how my criminal record from so long ago has to do with my credit, if that's the case, it shouldn't have been open to begin with. When I called and requested information, nothing was provided, just told to refer back to my letter. I want to continue to build my credit, and make good with these credit cards. Not back track, because now not only will my credit score drop, because of the closed accounts, but my credit utilization will be significantly higher since those credit limits will be removed but the amount owed will not be. 

PLEASE help me keep these cards open. I've paid my dues, and punishing me for my past is not fair. Just decline my application, not approve me, then close all my accounts that are in good standing. On the application it doesn't ask my criminal history, so not sure how this has to do with my account being closed.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2019-04-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (TX)

On XX/XX/XXXX, I realized that my renewable insurance premium was not paid by the Cardinal Financial although I had enough money in escrow. I send an email to cardinal to inquire about the issue. 
On XX/XX/XXXX, I was told by the cardinal phone agent that they have already purchased a forced placed policy on my property and paid the premium of {$2200.00}. Their records shows that there is no insurance on the property. 
On the same date XX/XX/XXXX, I found out that the my insurance agent mistakenly had my uncle as primary insured ( previous owner of the house ) instead of me since the date the home was purchased. 
On XX/XX/XXXX, canceled the other policy and asked the agent to issue a new policy under my own name and faxed a declaration copy to cardinal. 
on XX/XX/XXXX : Cardinal sold the loan or transferred it to XXXX. When I called cardinal, I was told the loan was already sold and XXXX is supposed to service the loan. 
Various date : From XX/XX/XXXX onward, I tried to cancel the forced placed policy because I already have the insurance and get the amount paid back to my escrow account. I get many different answer from cardinal. The answers were : A. Please wait for the refund check to arrive on the mail. 
B. We have requested the policy to be cancelled, the refund will be refunded back to XXXX escrow. 
C. You need to contact XXXX instead. 
D. You need to contact XXXX XXXX XXXX Instead. 
E. Please fax us the copy of your current insurance and we will refund you. 
F. Please fax us the proof that you never had any lapse in coverage and then we will refund you. 
I got # F answer today ( XX/XX/XXXX ), and its the second time I got this answer. I had faxed proof of insurance and continuous coverage in the past on XX/XX/XXXX as well. 

When I contact XXXX, I am told that they do not have any evidence or record of forced placed policy being in my account. 

When I contact XXXX XXXX as them to cancel, they do not recognize the policy number provided to me which is XXXX
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

This is a complaint against Chase Bank Saphire Reserve Card. There was a credit of approximately {$3200.00} and also {$12.00} credited to my account on XX/XX/XXXX 2024.that showed on my XX/XX/scrub> 2024 card statement. I was not sure why or where it came from, I assumed I made a mistake on submitting a payment so overpaid. I let it set for many weeks and finally I contacted them and asked them to refund the amount of {$3200.00} to me. They did send me a check for {$3100.00} which I deposited into my XXXX XXXX checking account. I later checked my account balance on line and saw that I now had a charge of {$3200.00} on my account. I called the card company and asked why that had all happened and they could not fully explain why. I asked them since they sent me the {$3100.00} and then did a reversal and charged me {$3200.00}. I asked if I were expected to pay interest on that amount and they said yes. I said you somehow made a mistake and credited my account, then you sent me the money, then you reversed that process and charged my account {$3200.00} and want to charge me interest on that amount. All due to something that I appeared to have nothing to do with, and it was your internal problem that created the entire issue. 
I believe this is fraud or a very deceptive practice from the company, crediting a client with money, refunding it to them and then reversing the process and charging them extremely high interest rates on the reversal. A process like this on the end of the credit card company could potentially cost the consumers thousands if not millions of dollars in unexpected and unasked for credit charges. Not to mention the hours I have to personally spend on phone calls and conversations to figure out what happened, how to correct it and to file this complaint.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety.

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 
The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC (SC)

On XX/XX/2024 I mailed a letter opting out of said companies reporting personal information to third-party companies such as credit bureaus, and other non-affiliated companies. I am making this complaint because I have gotten no response/effort from the company to comply with my request. In accordance with the fair credit reporting act, This creditor has violated my rights under 15 USC 1681section 602 states I have the right to privacy 15 USC 1681section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BARCLAYS BANK DELAWARE (FL)

My account went to collections and I paid it to XXXX. Barclays Bank Delaware and the collection agency is XXXX XXXX XXXX. I sent a copy of the XXXX balance letter to XXXX and it is still showing on my credit report as potentially negative with a {$0.00} balance.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (IL)

XX/XX/XXXX I am currently on the phone with JEFFERSON CAPITAL SYSTEMS their RECORDED line XXXX they can not provide me with an address bc he said " its a bad address '' they can not provide me with proof this debt is mine. They do not have a contract with me they do not have the original contract with " XXXX '' the debit they bought and are alleging is mine. they have been informed that I have removed this from my credit report several times and they continue to sneak and reported it months later. I am now sending a cease and desist letter and I will file a law suit against them for their fraudulent scam. They claimed this account was delinquent in XX/XX/XXXX that is 2 yrs past the SOL for cell phone debts and it is past the SOL for other debts in several of the states I have lived in during the duration of the XXXX  debt they bought. I have read that this company has been doing this to thousands of thousands of people they are getting a class action against them bc this is deceptive fraud. I am demanding the permanent removal of this account from the credit company 's and for my information to be destroyed so that they never file it again. They have fraudulently used this debt to " blackmail ' me into paying it or else I will have bad credit. This is a XXXX XXXX XXXX debt they purchased and continue to report it six months after I get it off.
Consumer complaint received 2015-08-05
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (GA)

In XX/XX/XXXX I appealed to customer service via fax and email XXXX a copy attached ) within 30 days of the modification Hamp Tier 1 offer that the mortgage company Nationstar mis-calculated the income on my paystubs after I submitted to them reduced income paystubs due to medical reasons and medical documentation substantiating that. They did not respond to the appeal of the Hamp 1 but delayed and lost documents from XX/XX/XXXX until the time they corresponded with me. They then de-railed the loan over to the standard Modification program and did not address or respond to my Hamp XXXX appeal at all from XX/XX/XXXX until present XX/XX/XXXX. In addition, I have a surplus of XXXX in my escrow that customer service can use as a downpayment to assist with my modification but the escrow department will not assist me in returning those funds to me or applying it as a downpayment to any modification.. I am requesting they change my modification offer to a Hamp 1 that I originally appealed and waive thee XXXX, XXXX dollars in interest they have allowed to accrue by mishandling my loan and documents. They are impossible to reach my dedicated loan specialist and every time I call I get a different excuse, answer, or reason why they failed to respond. I do not want to lose my home. The value is XXXX and it is unreasonable to offer me a standard modification at XXXX dollars a month in two years with all the interest they allowed to accrue by negating the response to my Hamp 1 appeal. They have misdated documents, lost my financial information and have acted irresponsibly with this program. My loan number is XXXX and I am requesting that my surplus in escrow be returned to me of XXXX immediately to assist in this process. Nationstar also has a call center in the XXXX or some other country so they can avoid acting responsibly to consumers in the United States. Most of them do not comprehend English or financial terms and they have made it impossible to modify this loan on reasonable terms. I am requesting a Hamp 1 modification on a XXXX yr loan amoratized with the investors based on the income paystubs I provided and hardship. Not a 15 year XXXX yr interest only loan that I was not aware of at 10.5 percent interest. They have failed to act upon this request. Please assist me with getting my Hamp 1 as originallhy requested and it is documented they received that appeal and ignored it.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

This account has been charged off as of XX/XX/XXXX. Since then the account has repeatedly been updated as a collection account every single month. This is an update in the payment history. A charged off account should not include an active payment history. The balance has been updated to XX/XX/XXXX. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly and have violated my rights. I am demanding a deletion of the following accounts. 
XXXX
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Recently, I did an XXXX on my credit report and found several items on there to be inaccurate on my account. The account is hurting my ability to obtain credit. Is my understanding that XXXX XXXX will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate. 

XXXX XXXX XXXX XXXX XXXX  back in XXXX XXXX XXXX and myself negotiated a Deed In Lieu that was signed and documented. Today XXXX XXXX list with XXXX XXXX my account as a Foreclosure or XXXX days late. After many months and failed attempts XXXX XXXX has not produced XXXX document that shows XXXX days late or Foreclosure. I have enclosed from XXXX XXXX XXXX XXXX Deed in XXXX that XXXX could not or would not produce. 

under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it should follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information a in general if after any reinvestigation under paragraph ( XXXX ) of the information disputed by the consumer and item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer or modify the item of the information as appropriate based on the results of the reinvestigation ( ii ) and promptly notify the furniture of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report immediately
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NM)

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 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I just looked over my credit report, which seriously depressed me since I discovered items that your firm failed to verify were true, erroneous, suspicious, and unverifiable. 

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681e ( c ), as well as the Fair Credit Reporting Act, all information on my credit report must be 100 % correct. These accounts violate Code 1681i ( 5 ) by not reporting information that is 100 % correct. I've included copies of every letter you sent below.
Consumer complaint received 2024-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (MI)

Someone took my {$500.00} from my checking account using my lost debit card at an ATM on XXXX first. I have tried at least 3 times to fight chime about this {$500.00} I did not make. I am a XXXX person and that is part of my social security money and I made a police report online too they just denied it again today
Consumer complaint received 2023-03-13
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: Spring Oaks Capital, LLC (TX)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the Right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor many not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-22
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION (MS)

They came and got it without letting me knowing they was getting. 

XXXX, XX/XX/XXXX, {$2400.00} XXXX XXXX, XX/XX/XXXX, {$9000.00} If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.
Consumer complaint received 2024-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings (CA)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.