davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (TX)

i have an account from XXXX ending in # XXXX that is not shown up on my consumer report ive sent in all theto the said credit reporting agency. 


THE FAIR CREDIT REPORTING ACT 623.

responsibilities of furnisher of information to consumer reporting agencies 68 Duty of furnishers of information to provide accurate information ( 2 ) duty to correct and update information. A person who regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate
Consumer complaint received 2024-01-07
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. (NJ)

I have the following accounts as collections on my credit report : XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX AMOUNT - {$2100.00} XXXX XXXX  XXXX XXXX ACCOUNT # XXXX AMOUNT - {$1100.00} First, I don't understand how these debt buyers are allowed to placed accounts not verified on people 's reports. Also, I noticed that the account numbers are the exact same on both accounts, from XXXX different companies with XXXX different amounts, which is alarming. This needs to be stopped.
Consumer complaint received 2018-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There are 3 Hard inquires happened with out my consent. Seems, someone got my SSN details and misusing that in past 2 months. I reported this incident into police station in my area and they asked me to work with credit bureaus and banks to resolve this issue.

I reported all credit bureaus and placed the freeze on my credit report. 

I reached out to XXXX and XXXX XXXX to dispute the hard inquiries. I am working with XXXX XXXX to remove hard inquiry entry. 

Please help me on preventing my SSN details from mis-use and advice banks to implement better security procedure and verification procedure. None of those transaction happened without my consent.
Consumer complaint received 2024-02-01
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: WELLS FARGO & COMPANY (CA)

Dear CFPB, I received a check for {$200.00} that Wells Fargo sent me with an apology about messing up my original loan modification application in XXXX, when at the time were making up excuses and losing documents, and requiring I miss a mortgage payment in order to qualify for a loan mod. My credit got ruined because of Wells Fargo. My business was XXXX XXXX  and when credit dried up in XXXX I had no income, so messing up my perfect credit to get a loan modification was the first domino. When other creditors saw my late payment they cut off all credit. Then Wells Fargo gave me a trial loan mod and I paid, but they denied it due to income, which ratios I knew were just fine. They disavowed the trial loan mod by returning the checks because they sold the loan in XXXX  to XXXX XXXX XXXX XXXX and XXXX XXXX  in a credit default swap scheme of portfolio loans, likely the reason they kept denying me assistance. They foreclosed on my home and I then lost all my other properties along with my net worth of XXXX XXXX. So no, {$200.00} and an apology doesn't cut it. I'm sending proof of Wells Fargo selling my loan so they didn't have to service my loan modification, thereby taking a loss.
Consumer complaint received 2018-11-11
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I have talk to equifax on several occasions, for starting up dispute on my credit, and the furnisher no nothing about it, equifax put in a dispute with my student loans with out my permission dropping my score 8 points for no reason, i reach out to my student loans and they clueless with this dispute thats on my loan and equifax And they denial the fact of taking partake in dispute and i never disputed anything on my student loans and equifax dont wont to take responsible for dropping my score with the negative remarks on my student loans
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (OH)

Be it known, that I, : XXXX XXXX Consumer /Authorized agent acting for the behalf of Principal/Trust Estate , being of sound mind and free will claims that said Financial Institution ; JP MORGAN CHASE has failed to provide me with all the written disclosures required by federal law. By doing so, my rights have been infringed upon, and you have gained an interest in my asset which is a violation of federal law. I am secured and I have the right to remain secured under the constitutional principles of the state and the rules and regulations for the Federal Government and the God-Given unalienable rights granted to me from God. I, authorized agent with full durable power of attorney, past age of Majority-Competent in Law. Registered Agent acting on behalf of Financial institution has failed to give me full disclosure, trespassed against the Trust Estate and continues unlawfully usurp funds which is caused the beneficiaries as well as myself pain, suffering, damages, deprivation and discrimination as a consumer/natural person, due to the negligence and lack of duty of care. 

Notice of lien, Security Agreement and Claim to All Property ; Fee Schedule, Penalties, Billing ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 16 CFR 433.2 Consumer Claims and Defenses Unfair or Deceptive Acts or Practices Notice of Claim to Interest : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice of Adverse Claim : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Notice of Notary : XXXX XXXX XXXX Executive Representative info : JP MORGAN CHASE Name : XXXX Phone : XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2023-03-19
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. (HI)

Experian is playing game with my credit report. I sent in a certified letter, uploaded the letter from XXXX showing proof my car payment never been late. I got a letter from them They removed it Open/ Never late Report number # XXXX XXXX and they put it back on my credit report knowing it was removed off This is not fair or right at all. Reporting inaccurate information on my credit report..
Consumer complaint received 2023-08-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners (OH)

I am unsure, but I asked Penerick Capital Partners credit management company to send me a statement with the Date of Service and other details, but it was not done. Today I spoke with the debt collector they are inquiring about a 10-year-old debt that I don't even believe I own as I had 2 health insurances at that time. If I owed the debt the limitations have run out to collect for my state ( Ohio ). They are calling repeatedly even after I asked them to stop and they call from various numbers. Please help. 
They most recently called using XXXX.
Consumer complaint received 2024-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (IL)

Southwest credit systems opened a debt collection on may first XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX and XXXX XXXX dollars.. I have never enter any agreement so services or anything else with this company. 
This is falsely reported.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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 2024-02-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (AZ)

Our mother is being scammed from an account held at Chase bank. After try to get them to assist with no success, a local baker suggested we transfer the money to protect from further fraud, we did with transparency. Chase restricted the accounts designed to protect our mother. After some time Chase opted to close these accounts and also decided to close my personal accounts ( checking and savings ). Upon contacting the Fraud department they said there was no other option but restrict all my personal accounts, close them and send the money via mail. My accounts did not have any fraud and Chase fraud has given me several estimates of when I would receive my funds. First I heard 7 day, the 7-10 business days and finally 14 business days. As of today it has been 7 days and all my funds are still showing in the account with no action taken to get my funds back to me. I need assistance as I have bills due which requires payment. Thank you for your assistance.
Consumer complaint received 2024-02-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America close my account with no reason at XXXXBOA staff told me I will never get any reasons .They will sent about XXXX $ to my address for two weeks, but it is cost too much time for me .I need to pay the rent as soon as possible, so please sent my check quickly and tell me the reasons.
Consumer complaint received 2024-02-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc. (NH)

I cosigned for a loan with my daughter through Earnest.

Although shes on automatic payments twice now Earnest has called me ( without speaking to her ) demanding I immediately pay the amount due.

The first time I paid it but this time it had a scammy feel to it ; she was actually here so I told the woman on the line I was talking to my daughter first and hung up.

Theyre way too pushy and I think they should contact the borrower first if there isnt a chance of default. Shes days late and on automatic payments!
Consumer complaint received 2024-02-21
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: LEXISNEXIS (IL)

XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

I've informed the credit report companies, XXXX, Equifax, and XXXX, that these aren't accurate, and I've produced the XXXX XXXX XXXX, showing all the negative items on my reports are to be by law removed, and id be filing charges if they weren't. They've failed to do that. I've said the same things to the creditors, as they're supposed to stop reporting them as accurate, because they're no longer accurate, and no longer any account at all. They're gone. Only thing supposed to be showing on my credit report is the XXXX XXXX XXXX and any new things I've done since that time. They've decided not to do as instructed. Neither the credit bureaus, nor the creditor 's either. One creditor is still sending me things, and isn't supposed to be reaching out to me at all. Which is XXXX XXXX XXXX XXXX.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the fair Credit Reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 


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
Consumer complaint received 2024-04-13
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-05
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: CITIBANK, N.A. (FL)

I have contacted the company directly on many occasions over the phone. I keep being told that they will not accept payment on my debt and that my debt has been XXXX. Ive been told several times and I even sent the credit bureaus a credit report challenge letter to look into the matter. 

I am trying to repair my credit and the company will not allow me to make a payment to settle the account and they will not remove the negative mark on my report either.
Consumer complaint received 2018-11-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

Today XXXX-18 : A guy ( whose email and number I have if need be ), tried to sell tickets for a XXXX game to us over the internet. He stated he was at work and would need the money through XXXX. We went ahead and transferred and he never got back to us. After that he blocked my number. XXXX $ XXXX not be a lot for some people but its a lot for me. I attempted to call chase not even 5 min after I realized he blocked my number, and they stated they could not help since I authorized the transfer. They refused to cancel the process before it got to him or he even accepted it. I just want my XXXX $ back and to not let this happen to anyone else. Chase should put their customers first. I even tried to get in contact with the person through the email and they didnt reply. I sent them a text through another number and they only confirmed I was scammed and called me a XXXX.
Consumer complaint received 2024-02-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CA)

In XXXX of XXXX, my mortgage company Mr. Cooper debited {$14000.00} from my escrow account with the description, `` County Tax ''. 

I checked my Property Tax Payment History page on the XXXX XXXX Treasurer and Tax Collector website to see if a payment was received and it wasn't. 

I called Mr. Cooper to confirm a payment was sent, and the representative confirmed it was sent via their tax payment company XXXX. I also asked why this payment was made, and they couldn't give me an answer. 

I called the XXXX XXXX XXXX XXXX Collector, and they said they didn't receive any payments for my property. They were able to confirm they received a check for {$14000.00} on XX/XX/XXXX from XXXX with the check number XXXX, but that it didn't have anything to identify my parcel/property and was deemed an " unidentified payment ''. I was instructed to contact Mr. Cooper with this information, as they were the only ones who could initiate a refund of the payment. 

I called Mr. Cooper and gave them all of this information, including an email address for the supervisor at the XXXX XXXX XXXX Tax Collector 's office, the check number and receipt date and our property information. I was told they would initiate a refund with XXXX XXXX XXXX and they would follow up with me, but a week later they still hadn't done so. When I called for an update, I found nothing had yet been done. 

After this payment was made, it caused my escrow balance to go to - {$12000.00}. My monthly escrow payment went from {$510.00} to {$3800.00}. 

In XXXX I asked Mr. Cooper for my case to be escalated as no progress had been made. I was assigned an agent named XXXX, who worked on my case until XX/XX/XXXX with no progress being made on a refund. After XX/XX/XXXX he stopped returning any of my phone calls. 

I asked for my case to be escalated again, and I was assigned a new agent named XXXX. She has been working on getting this refund processed from XX/XX/XXXX until now ( XX/XX/XXXX ) with no progress being made. 

Since XXXX of XXXX, I have made payments to my Mr. Cooper escrow account in the amount of {$7900.00}, and my balance is currently at - {$5000.00}. 

In summary, a payment of {$14000.00} was made on my behalf from Mr. Cooper to the XXXX XXXX XXXX Tax Collector. They received they payment, but due to Mr. Cooper 's ( or XXXX 's ) mistake it was never assigned to my property. Despite me catching this mistake and bringing it to their attention over XXXX months ago, they haven't taken the necessary steps to have the payment correctly assigned or refunded. They have continued to charge me for escrow on my monthly mortgage payments to correct the negative balance in my escrow account created by their erroneous payment, leaving me with less money to pay my XXXX tax payments which are now due. The {$14000.00} has been made unavailable to me without it being applied to my escrow, mortgage, property taxes, or being refunded.
Consumer complaint received 2023-12-16
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BMO Bank, N.A. (TX)

I opened BMO Harris account with a promotion of {$500.00} cash back bonus. Condition was that within 90 days of account opening I should have {$7500.00} in direct deposit. Which I met. 
On XXXX XX/XX/, I asked this question to BMO Harris via secured message Center that when I am going to get {$500.00} cash back bonus? Only got a response when i filed CFPB complaint that i will be getting it later. 

Today when I logged into my account, I am seeing there is a {$1.00} fees for no good reasons. 
When i asked? 
Why there is a {$1.00} feed on my account? 

No response