davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NV)

Respectfully I would like Chase to reconsider your decision to open another secure checking account. Yes you do have the right to close an account for no reason at all, but at your discretion you can reverse the decision. I have been a loyal chase customer for over 7 years. I highly recommend Chase to friends and family giving Chase new customers because of the grace and caring customer service I received in the past. I brought a lot of business to your company. I have trusted this bank with every financial avenue I had from payroll, income tax, financial aid checks. I did right by my account. You offer customers options to protect their money by disputes and fraud alerts. All I did was utilize the protection you are supposed to provide and I have not been protected by the very institution that I trusted. I am not a risk. My account actions are everyday banking use. Unfortunately things happen and I was victim and was punished for reporting and doing what I thought was the right thing. I am asking for grace, a fresh start. I know that chase cares about their customers. I was not cared for in my situation. I would like to make it right. If you review my account history I am just like every other customer. It is in your power to reverse the decision and can do so if you decide. The action taking against me and the experience I have had trying to resolve this has truly been traumatizing because I depend on my bank. Please reconsider and lets work together on financial literacy. If I mistakes were made it is because I did not know. But I have learned and will do better in the future. Everyone deserves another chance. Put yourself in my shoes Im sure you would want grace when you make a mistake and learn from it especially if you did not know what you did was wrong. As human being we deserve forgiveness and to show each other forgiveness. Thank you
Consumer complaint received 2023-12-28
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. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DreamSpring (MO)

On XX/XX/year> I advised this company that this is not my debt. The socical security number on the debt is incorrect and is not my social security number ending in XXXX. This is my second time disputing this debt. The first time was earlier this year around XXXX.I am demanding this debt be deleted from my XXXX credit report immediately. This debt is not reporting to XXXX, or XXXX because they are unable to because this is my debt. I have confirmed with this company that they always report all loans to all 3 credit reporting agency 's.
Consumer complaint received 2023-12-28
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. (CA)

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

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 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KY)

I applied for a car loan. I was denied based on information submitted by Experian. This happened on 2 occasions. Both time they reported my score as XXXX. When I log into my experian account it shows my score is XXXX. XXXX points different. Both times this inaccurate score has kept me from getting a loan through the dealership.
Consumer complaint received 2023-12-28
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. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2023-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NJ)

I hope this letter finds you well. I am writing to address a matter of urgency regarding late payments that have been inaccurately reported on my credit account under your bureau. 

Upon reviewing my credit report, I have identified instances of late payments that I believe to be inaccurately reported. I understand the importance of maintaining accurate and up-to-date credit information, and I am committed to ensuring the integrity of my credit history. 

I kindly request that you investigate and, if necessary, correct or remove the reported late payments from my credit report. I believe that these inaccuracies do not reflect my true financial history and are adversely affecting my creditworthiness. 

XXXX XXXX  XXXX. XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  XXXX. customer service representative. XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

Enclosed with this letter, please find any supporting documentation or evidence that may assist you in your investigation.

I am confident that your organization values accuracy and fairness in credit reporting. Therefore, I trust that you will take prompt action to rectify this situation and ensure that my credit report accurately represents my financial responsibility.

I appreciate your attention to this matter and request a written confirmation of the corrections or removal of late payments from my credit report within 15 business days from the date of receipt of this letter.
Consumer complaint received 2016-06-09
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (CT)

Inspired by a recent article which detailed the travails a homeowner was having with Nationstar and the fact that he was seeking help through the CFPB, I wanted to share my experience in case it is not too late to be of use to myself or others. 
XX/XX/XXXX I was seeking to refinance my mortgage, when my existing mortgage was sold to Nationstar. Despite persistent calls from me they took a couple weeks to provide a loan payoff amount, saying that their system had not received the necessary details of my mortgage. The folks at the credit union I was trying to refinance with affirmed that they had never seen such unresponsiveness. As a result of Nationstar 's delay I lost my initial locked-in mortgage rate, costing me an extra $ XXXX/month for a total of over {$9000.00} over the life of the loan. 
I also had issues with Nationstar after the refinance, having to place many calls to get explanations ( often confused or contradictory ) for adjustments they made when refunding my escrow funds. Firstly, although I had requested the Payoff Statement as of XXXX XXXX, they sent it good through XXXX XXXX. The law firm handling my refinance sent Nationstar payoff funds appropriate to the date of their receipt of the funds, eliminating the interest for days after the loan was paid off. But when Nationstar refunded the money in my escrow account they deducted hundreds of dollars for interest for the remainder of XX/XX/XXXX ; despite my objections they refused to refund that amount. 
Second, my initial mortgage had been an FHA loan which had been open two and a half years ( since XXXX XXXX ). I was of the impression that the up-front Mortgage Insurance Payment which I paid when taking out the first mortgage was paid out over the first five years, and so because I was refinancing before the five years had passed I was due a refund of some amount of the up-front MIP payment. As part of the aforementioned calls with Nationstar regarding adjustments they made when refunding my escrow funds, I tried to ascertain whether I was getting this refund. Although they said yes and pointed to a credit of a few hundred dollars, I was a suspicious given that I had been expecting about half of the original up-front payment ( which was {$7000.00} if I recall correctly ). 
Bottom line, I do n't know if the folks at Nationstar were swindling me or just incompetent, but either way the result was expensive for me.
Consumer complaint received 2023-12-28
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. (CA)

I sent a letter to the Credit Bureaus requesting to REMOVE the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-02
Product: Credit 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. (NY)

On XX/XX/2024 a fraudulent purchase was made on my XXXX account for {$880.00} This was immediately reported to Chase credit card fraud Dept.XXXX XXXX has Marked the purchase as fraud but will not send any other documents to me. i have contacted Chase bank several times and they deemed the purchase as legitimate Until i can provide proof from XXXX. XXXX does not have any means to talk personally with there Fraud division you can only speak to account specialist and are told they will respond in 24hr to 48hr which all i get is an automated response. this has been a circle loop between the two companies and as of today XX/XX/2024 i am still being charged for something i did not buy
Consumer complaint received 2024-06-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

I made a {$1000.00} cash deposit at Chase Bank, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/year> at around XXXX, at an ATM. Terminal ID XXXX. Bank account ending in XXXX. 

It did not credit my bank account the funds, or either shows a deposit made. 

I then proceeded to make a {$20.00} deposit again at the same ATM, Terminal XXXX XXXXXXXX and filmed everything from start to finish. Again, no record of the deposit or credit of the funds to my account. This was between XXXX and XXXX. 

I printed balance inquiries after each deposit, and also have sent a secure message to Chase about this incident. I started a business after XXXX XXXX as a sole proprietor, and these deposits were from the business and I need the funds to pay daily expenses from vendors. 

I am contacting CFPB to get this resolved as soon as possible, as this just happened today XX/XX/year>, and do not want to rely on Chase bank alone to resolve this. 

I need to be credited {$1000.00}, and {$20.00}, for a total of {$1000.00}.
Consumer complaint received 2023-12-28
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$8900.00} XXXX XXXX Balance Owed : {$8900.00}
Consumer complaint received 2023-12-28
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. (UT)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as delete the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

My brother and I are listed XXXX on an account that belonged to my father. After my father died, we attempted to withdraw the funds in 50 % shares, as per the terms of the account. My brother and I do not live near each other, so Citi said we could each go into a local branch, and withdraw 50 %. I went in on XX/XX/year>, and was able to withdraw {$5700.00} ; half of the {$11000.00} balance. My brother attempted to withdraw the remaining {$5700.00} on XX/XX/year>, but Citi only allowed him to withdraw {$2800.00}, leaving an additional {$2800.00} in the account. The only reason I was able to catch this error is because my dad 's online account is still active with Citi, and I was a POA on his account prior to his death. They also did a similar thing with a CD account my father had, allowing my brother to withdraw {$2500.00} of the {$5100.00} in the account. 

It's extremely disconcerting that Citi would act so carelessly with customers/beneficiaries money. What's more disconcerting is that I would have never realized this if I didn't happen to have access to my father 's online account.
Consumer complaint received 2024-03-05
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (AR)

I have a {$200.00} gift card from XXXX, and after I tried to use the card to purchase a money order the company immediately cancelled the transaction and blocked the card. I called the company and requested my funds to be mailed to me expeditiously via XXXX or XXXX, and I was not able to get any confirmation on that request.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my BNASELFLNDR - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-12-28
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. (TX)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

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
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (AZ)

I disputed XXXX charges and American Express is not giving me those funds back that I am entitled to. I never received product on XXXX charges and I want those back. living spaces for XXXX XXXX XXXX XXXX XXXX bespoke
Consumer complaint received 2023-12-28
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: Experian Information Solutions Inc. (TX)

On XX/XX/2023 I've had a derogatory status that has impacted my credit report tremendously due to the fact that the creditors, credit report agencies, and furnisher was in violation of the Fair Credit Reporting Act 15 U.S.Code-1681 602. Also Privacy Act 5 U.S Code 522. Due to such actions by this creditor & credit reporting agency being XXXX XXXX XXXX with XXXX XXXX being the originally creditor, & Experian has left me with a balance of {$470.00}. I have made several attempts to try to resolve this issue by agreeing that i would pay this so called debt if proof was shown that I Consumer was who in fact initially opened this account. Which they have failed to do so. Their only response that I will be forced to pay this already discharged debt.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : 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  has violated my rights . Or list of inquiries 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 2023-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avadyne Health Holdings, Inc (IA)

h & R ACCOUNTS DATE OPENED XXXX. COLLECTION ACCOUNT IS FALSE AND has been on my credit since my daughter was born in XXXX its her medical bill and was given to my ex husband in our divorce. I have tried to make contact with this company several times to get no answer.
Consumer complaint received 2023-12-28
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. (VA)

XXXX XXXX reported an account that does not belong to me. 
I have requested proof of debt validation 1. Original Contract 2. Proof of Payment history 3. Debt Validation Nothing has been resolved and it continues to show up on my report
Consumer complaint received 2024-06-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MN)

I regularly monitor my credit report and noticed a recent unauthorized inquiry from chase using my personal information. I immediately got in contact with chase bank only to find out it was initiated using my personal info. It occurred on the date of XX/XX/year>. I have contacted the credit bureaus immediately after chase and they couldn't help much.. Chase notified that they will investigate it and get back to me. It has now been 6 months without any follow up/ update on this matter. I respectfully request that you guys investigate this incident and take appropriate action to address this identity theft and prevent misuse of my personal information.