davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX 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 2023-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ND)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-30
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (NJ)

I am writing to dispute a series of unauthorized overdraft fees that have been charged to my Chase Bank account. I have discovered these fees on my recent account statements and believe they were incurred without my consent or proper disclosure, potentially violating federal banking regulations, I am formally requesting a full refund of the fees in question and a comprehensive investigation into the circumstances surrounding these charges to ensure compliance with applicable laws and regulations. Please find attached copies of relevant account statements and any other supporting documents to assist in your review.
Consumer complaint received 2017-05-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (IL)

To Whom It May Concern : I am writing to report bad business practices on behalf of JP Morgan Chase Bank. On the morning of XX/XX/XXXX. I became aware of a negative balance in my checking account. Upon  reviewing my recent transactions, I was able to see a negative {$200.00} balance in my account. Approximately {$100.00} ( {$34.00} ) of this - {$200.00} balance were late charges by JP Morgan Chase. Yesterday, all the way through till XXXX my checking account remained in a positive balance. JP Morgan Chase claims that two checks that were written earlier in the month were cashed yesterday, later in the day ; however, this was on evident on my part because my balance still was positive the entire day yesterday with no pending transactions. If I were to see the checks as being posted yesterday, XX/XX/XXXX, I would have deposited the money before XXXX to cover these checks to avoid any late fees. JP Morgan Chase has intentionally taken advantage of me the customer to deepen their profits as a bank. My husband, who is also on the checking account attempted to rectify the situation this morning and spoke with the bank, and they refuse to accept responsibility for this intentional act to make a profit on late fees that are purposely being applied deceitfully to profit off of the average middle class U.S. citizen. Again, if I were to see that there was a negative balance yesterday, I would have immediately covered it with depositing funds. This is not the first time JP Morgan Chase has intentionally charged our account. Within the past two weeks, they charged us overdraft fees when they also were not supposed to do so and claimed that it was unintentional and was a mistake on their part. This excuse is hard to swallow being that their system of charging late fees should be automated by computers. I wonder how much of JP Morgan Chases yearly profits are due to these practices? I believe that these examples warrant a thorough investigation and deserve to publicly be exposed. I intend to bring media attention to this as well and will advise all not to bring their business to JP Morgan Chase due to these practices. I am currently looking elsewhere to open a checking account, and I do plan on closing my account with JP Morgan Chase. I will also be looking into legal advice regarding taking legal action against the deceitful practices of JP Morgan Chase. I look forward to hearing from you soon. Thank you.
Sincerely, A concerned United States citizen and soon-to-be former loyal customer of JP Morgan Chase
Consumer complaint received 2023-11-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Suttell, Hammer & White, P.S (CA)

I am writing to file a formal complaint against XXXX Bank and the XXXX XXXX XXXX Suttel and Hammer regarding their collection tactics and the imposition of exorbitant interest rates. I am currently facing significant hardships that have severely impacted my ability to meet my financial obligations. As a single mother in the midst of a costly and emotionally challenging divorce, the financial strain resulting from legal fees, contested child support, relocation, loss of income, and the general nature of divorce proceedings have left me in a precarious financial situation. 

The issues I am raising concern both XXXX Bank and the XXXX XXXX XXXX Suttel and Hammer 's utilization of aggressive and abusive collection tactics, as well as the imposition of excessive interest rates. I am being threatened with wage garnishment, which would certainly make me unable to make ends meets. These practices have only served to exacerbate the challenges I am already facing and have contributed to the deterioration of my financial stability. 

XXXX Bank has engaged in what I believe to be unfair and harassing collection practices. The constant calls, aggressive communication, and lack of empathy towards my current situation have only added to the stress and emotional toll of my circumstances. Moreover, the interest rates being applied to my accounts appear to be unreasonably high, further deepening my financial woes. Please understand I am not refusing to pay but I dont have {$14000.00} just laying around. 

Similarly, the XXXX XXXX XXXX Suttel and Hammer, in their pursuit of collection on behalf of XXXX Bank, has displayed a disregard for the challenging circumstances I am currently navigating. The methods employed by the law office, including but not limited to threatening language and an unwillingness to work with me on a reasonable resolution, have left me feeling helpless and overwhelmed. 

I kindly request that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action against XXXX Bank and the XXXX XXXX XXXX Suttel and Hammer if violations are found. Additionally, I seek relief from the burdensome interest rates imposed by XXXX Bank, as well as a more compassionate and reasonable approach to the debt collection process. I would like to add I am a reasonable person and understand that this debt is owed. I do not want to file for bankruptcy protection, but the overwhelming debt load I have as well as legal fees being incurred for my ongoing divorce and child custody battle are just too much.
Consumer complaint received 2024-05-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc. (FL)

I had a loan that was used as a refinance a long time ago. The loan was dissolved as a part of a mortgage company that wrote off the loan with the IRS as a tax deduction. Mr. Cooper got ahold of remnants of the document and instead of ceasing the payments pursued the collection on a new loan number. I signed no new loan and I have no idea what the loan is or what the terms may be. The Title insurance company told me there are no entries to the county documents where XXXX or Mr Cooper are lien holders or have any other attachments to the property. She stated the old loan was dissolved and removed from public record. I have a letter and printed proof that they have no interest in the property. I have no idea where they got the new loan number. The IRS sent me a letter to pay taxes on income from the property and I had to send them proof that I am paying Mr Cooper. The IRS agent told me there are no records stating that the loan exists, however I am off the hook. I started this XXXX years ago and the CFPB agent told he could not pursue it due to the Mr Cooper pending case that resulted in a {$94.00} XXXX dollar settlement. I am still getting charged on this ghost loan and some of the Mr Cooper employees are just getting put in XXXX as a result of my reports to the IRS and the FBI. Who can stop the payments and threats against my credit? I have a list of the payments and it is approaching about {$150000.00}. Can I get my money back? I have documents if you need copies of them. Thank you.
Consumer complaint received 2024-07-10
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: ONLINE Information Services, Inc. (OH)

Someone fraudulently used my information to open a account with XXXX XXXX that was sold as an collection account to online information services I did not authorize this account or open it up I need it removed soons as possible. I have not supplied proof of the alleged debt, under the doctrine of XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC (LA)

XXXX XXXX  reduced my credit availability due to an item on XXXX XXXX report. I contacted XXXX XXXX and discovered it was a Credit Card open on CB Indigo that had never been paid. 
The account is not mine and was opened without my knowledge. After contacting CB Indigo and alerting them of this fraud i understand that they wrote off the balance. 
The problem is that the account still shows being open with XXXX balance but still in my name.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CHARLES SCHWAB CORPORATION, THE (KY)

My bank account was accessed and all of my money was wired out over night ( XXXX ) without any notification. I noticed the next morning my bank account showed a amount of XXXX, I called my personal bank they closed my account and said they will start a fraud investigation and this is when it started to get messy. They said they would restrict my bank account to allow my work pay to go in but nothing could come out instead they went on and closed the account so I had to end waiting a extra week for my pay and my wifes pay then I was sent the wrong debit card 3 times for my old account that had been closed instead of sending me debit cards for my new account. After not hearing anything for more then a month about all my money that was stolen I called today XX/XX/XXXX and they told the case had been closed for weeks and theres nothing they can do but told me I could call the place where the money went and try myself ( its not even a real place ) this is very disappointing
Consumer complaint received 2023-11-21
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: EQUIFAX, INC. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-11-21
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC (OH)

Instead of sending me proof. They say I owed the debt without showing me proof and keep texting me even though the law says Collection agencies are not allowed to contact the person if he or she has requested validation on the declared debt during the required validation period ( typically the first 30 days ).
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

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  Account Number:XXXX has violated my rights. Or a 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 2021-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2023-11-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

I sent in the 1099 form received from XXXX to show Equifax that this was not my debt on XX/XX/. Equifax just updated the file. I called in on XXXX  and asked them to explain why the debt was still being reported on my account. The representative couldn't answer my question but instead reopened the dispute. I just checked my credit report and the account is still on my report with a new updated date. This company is violating my right as well as inaccurately reporting on my account.
Consumer complaint received 2017-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grant & Weber (CT)

I had a loan though  XXXX   XXXX   XXXX  and I was late and I called and made payment arrangements with a loan broker at  XXXX  and I was making extra payments and I was gon na pay it up to date on that Tuesday and they took it on that Sunday. They fired the broker and never got a hold of me and tell me so for that I do n't think it 's fear what they did. Now I have it on my credit report  3 time s and  XXXX  of they are bad. From  XXXX   XXXX  and also o n Grant and Webber.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2021 I contacted Experian Credit Bureau to have them correct the spelling of my name, which is spelled incorrectly on my credit report. I also sent in a letter back in XXXX not only asking them to correct my name but also to remove an account associated with that name they have reporting to my credit profile. When I spoke to them on XX/XX/XXXX I let them know that I had sent in a letter to dispute information on my credit report, to include the wrong name reporting and a charge-off account with XXXX XXXX XXXX doesn't belong to me. I was told that even though I had sent in the documentation showing the correct spelling of my name that the information won't be updated. I know that the Fair Credit Reporting Act states that the information within my credit report must report accurately and if it's not then it must be removed by law. Since they have my name reporting inaccurately and the same name is attached to an account that I don't know about, by law it should be removed correct? I feel like I am being denied my rights that is clearly stated in the FCRA. They are not upholding the law and it is causing me to get denied for employment and for a house. This is affecting my livelihood and causing me distress. I also requested for Experian to send me proof of verification from the company, XXXX XXXX, along with a copy of a signed contract between myself and that company, which I never received. They actually did nothing that they were supposed to do in this matter.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc. (GA)

CREDIT COLLECTION SERV is illegally furnishing an account to my credit report. This company is also calling me continuously and harassing me about a debt that I do not owe them. Please consider this letter as an official request for cessation of communication under the FDCPA. Failure to comply with this request will be a violation of the FDCPA, and I will have no choice but to pursue legal remedies available to me under the law. Delete the account CREDIT COLLECTION SERV XXXX  from my credit report immediately. The original creditor did not verify the account, nor the balance listed on my credit report.
Consumer complaint received 2023-11-21
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: EQUIFAX, INC. (FL)

I want these accounts to be out of my report, I don't want this negative thing under my name, I need it to be eliminated. 


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 2023-07-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Timing might be a little off for first incident because I originally deleted emails assuming they were a phishing attempt, and account closures were done over the phone. 

XX/XX/XXXX - Account fraudulently opened in my name at Bank of America - assumed spam/phishing attempt and ignored XX/XX/XXXX - statements from BoA start arriving at my house, first attempt at closing of fraudulent account XX/XX/XXXX - still received statements, account not closed XX/XX/XXXX - XXXX time to attempt fraud report. This time seems to work. Send BoA a very extensive amount of sensitive personal data as requested to their fraud department. 
XXXX XXXX - Receive confirmation that they finally believe me and closed the fraudulent account closure. 

XX/XX/XXXX, XXXX XXXX - Received emails that my new BoA account has been approved. I did not open this account. XXXX time -> I'm going straight to the feds.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

Hello I am following up on case XXXX. 
CHASE has not reimbursed me for the fraudulent check they accepted to pay and I have still not recovered my {$30000.00} All this is Chase fault, they paid the same check twice.

Basically, anyone who creates a company with the same name of a company already existing and gets hold of a check already filled and signed and deposit to his bank will get paid even if the check was already paid 4 montsh prior? How can we trust such the banking system and such an institution if they fail to protect against very simple fraud like this??

Chase claims they are pending the response of the other bank involved but that is not answer as they went ahead and paid the same check a second time.