davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (UT)

Please see complaint # XXXX and add the following. I received a call yesterday from XXXX @ ( XXXX ) XXXX ext # XXXX told XXXX that she had NO answers for me and that I could contact her directly at the # and extension as provided. 

As she said she would likely be back to me today and as it is now XXXX Eastern time, having not heard from her I decided to call. 

No place to enter an extension or speak to a human at the # XXXX provided, XXXX attempts, I tried another CHASE #, got an agent on the line and was told, " WE DON'T HAVE EXTENSIONS '' feeling duped by Chase once again. 

Chase seems to pride itself in making things difficult for the consumer?
Consumer complaint received 2024-03-28
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. (NC)

I would like to dispute the following items off my credit report : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OK)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: COMMUNITY CHOICE FINANCIAL, INC. (WI)

I obtained a loan for {$2000.00} from the business " Cash Central '' in XX/XX/XXXX. The loan defaulted and I owed a balance of {$2200.00}. It was sold to a third party in XX/XX/XXXX and the balance was paid to them in XX/XX/XXXX.  Cash Central has confirmed in their system that my account shows a balance owed to them of {$0.00} ; however, they continue to report to XXXX  that I have a past due balance of {$2200.00}, significantly impacting my credit. 

I'm currently obtaining a mortgage and was just on a 3 way phone conference with my lender and Cash Central. The mortgage is going to be fine because Cash Central confirmed a {$0.00} balance ; however, the fact remains that they are incorrectly reporting my balance to XXXX. 

The loan officer said he was confused because no company is allowed to continue reporting a past due balance once they sold the account and are no longer owed by the consumer. 

They confirmed that they will forever report a past due balance of {$2200.00} to the credit bureau despite the debt having been paid. 

The phone conversation was recorded and they are sending me a letter confirming this information.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (PA)

On XX/XX/XXXX {$300.00} was withdrawn from American Express savings account for a secured credit card with XXXX XXXX. On that same day I withdrew my application for that product and intended to receive my funds back. 2-3 weeks later I spoke with both XXXX XXXX  and American Express and was told a letter of indemnity was to be sent to Amex and on or around XX/XX/XXXX. I was told multiple times after being shuffled around to different departments that the letter of indemnity was received and I would receive my funds back within 3-5 business days. I have now spoken with Amex four separate times and no one can seem to be available in the correct department to resolve this issue.
Consumer complaint received 2022-11-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or remove these accounts immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-10-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

On XX/XX/2022 I called Comenity bank and requested to pay my bill in full. I was told the amount and paid with a debit card over the phone. The payment was processed. The next month I received a bill and a late fee. The bill stated that I owed $ XXXX. I called the bank on XXXX, the representative told me that all the charges were removed, except, {$10.00} which I paid. The representative told me twice that the balance was paid and nothing would be owed. On XXXX I received a bill for {$110.00} and another {$41.00} late fee. The bill also shows the payment of {$10.00} made to them.
Consumer complaint received 2017-03-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

The original creditor was XXXX from about 10 years ago. The account was closed and charged off to a collection agency. The collection agency was not Portfolio Recovery who I am filing the complaint against for submitting false inaccurate information on my credit report. I been disputing this w/all XXXX agencies for sometime now. The Debt Buyer has purchased an old debt that was included in my Chapter XXXX Bankruptcy. I have legal documents that was included in my discharged. I have never had any business with XXXX since 10 years ago and never will. My Bankruptcy representative made that clear.
Consumer complaint received 2017-06-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Nation Start Mortgage ( NMLS : #   XXXX   ), was the previous holder of my loan. I recently refinanced the loan with another lender. I was never issued  the complete refund for the escrow impound account. On the attached document a financial record is shown of the account statement. I received the balance of the statement in the amount of {$1700.00}, however the statement includes a refund of  XXXX  issued in  XXXX  o f 2016. I never received this refund, and have requested a check be issued numerous times. Nation Star has agreed to make  payment, via conversations, however the check has never been received.
Consumer complaint received 2023-02-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (MD)

On XX/XX/2023 I sent a certified letter to JPMCB stated on the account as Chase. I requested that they send me information in the amount allegedly owed reporting negatively on all three credit bureaus. I wanted to make sure the amount is accurate and how they came up with the amount. Chase Bank sent me a letter dated XX/XX/2023 stating that they had all my documents and they would send them to me. 
Chase bank then sent me another letter on XX/XX/2023, stating that they did not have all the information I needed to complete an investigation. However, they made updates on my credit report after stating that they didnt have any information on my account. They also sent another letter without a chase letter head containing my personal information along with an account number. They are asking me for a credit report as if they dont have access to it. They are reporting to date.
Consumer complaint received 2024-03-28
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: EQUIFAX, INC. (FL)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be removed right away. 
XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2023-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (FL)

I was taken advantage of due to mild practice while several laws were being broken under the FCRA by your company. In result I've been unable to obtain credit and have experienced financial hardship and financial injury. I can not even obtain an SBA loan to get my small business off the ground. Your company has hurt my ability to obtain credit. The following company is affecting my credit : PENN CREDIT CORP
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XX/XX/year> I I deposited a check using the Bank of America mobile app from a client I was about to do freelance work for. 

On the XXXX the bank returned the check which was fine and then locked my account. Upon going to a branch and verifying my information. While on the phone at there branch BOFA informed me that they would " still '' be shutting down the account and that it was my fault for not finding out that it was fraudulent prior. 

I've had this account for almost 10 years with not fraud transactions mind you. Now that the account is closed I have no means of making further deposits and they refused to help change over my info, essentially if I try to open a new account they may well deny me that as well now.
Consumer complaint received 2023-06-15
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: EQUIFAX, INC. (IN)

I have disputed the new collections account with Equifax. Letting them know that I had already filed a complaint with CFPB about XXXX. They ignored my dispute immediately and even when I submitted proof refused to do anything about it.
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have disputed these XXXX XXXX it has XXXX accounts listed when there was only XXXX account to start with that was actually from fraud. the account report wrong dates, payments, terms, amounts, and balances. I did not know how to approach the situation about the fraud and was sued i found out when i was in the process of buying the house so i ended up paying the judgment and i am still trying to refinance because the credit bureaus refuse to correct this information it is causing me great financial harm the judged learned what happened he removed the judgement. Upon speaking to XXXX they stated that they are not verifying this information with the credit bureau. The credit bureau will not remove this information. I am including the offical stamped letter from the judge stating that the debt that i have with XXXX is satisfied.
Consumer complaint received 2024-04-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (WA)

The following charges where made on my account. On XXXX I received a text notification from Credit Karma asking if the {$100.00} was a approved charge. It was not, I responded as such. Reported my card lost/stolen. I viewed my statement and saw the other charges on XX/XX/XXXX and reported thise as well. Credit Karma still allowed the pending unauthorized charges to through, and declined my dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXXXXXX XXXX ) 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A : It also states a consumer reporting agency can not furnish an 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 2024-04-17
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: FC HoldCo LLC (ID)

I took out a car loan in XX/XX/XXXX, the car broke down in XX/XX/XXXX, and I couldn't afford to fix the mechanical and electrical issues and continue payments, especially considering I had already paid XXXX $ and still owed XXXX $ on a car that I was XXXX into buying and the value of which was around XXXX $ total. I called the finance company and asked to do a voluntary surrender, as the vehicle was broke down on XXXX XXXX, I told them they had XXXX hrs to pick it up before it would be towed. They said they would get it and didn't. Then the XXXX XXXX XXXX towed it. I then called the finance company again to be told they would just get it from the tow yard and after they sold it they would notify me of the remaining balance. They never did. Fast forward to today, I was talking to my bank and was notified that the account is now in collections. I called the finance company and they said they never picked it up because of the fees associated and I still owe the full XXXX $ that they have since charged off. So they are trying to force me to pay for a vehicle I already surrendered that they never picked up and I can no longer even have access to.
Consumer complaint received 2024-04-17
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: CORELOGIC INC (CA)

CFPB, After logging on, and looking at my Credit Report I was shocked to see these Unauthorized Inquiries. Please see below Unauthorized Inquiries, from the Merchants XXXX XXXX XXXX - XXXX, XXXX, XXXX XXXXXXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-04-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC (FL)

was sold a cell service and the internet by an XXXX employee on the phone..I was told if I ordered both together I could get a discount ... The employee told me if not satisfied in 30 days I could cancel and receive any money paid back and also said because of my wife and I were senior citizens we could receive a $ 10 monthly discount. 
I ordered the service at end of XXXX, XXXX and XXXX 's cell service was horrible, they could not connect our XXXX XXXX to their network and shut off our phones, they made me drive to a XXXX store to get a code to connect the phones but the store would not help. They could not send us the code because OUR PHONES DID NOT WORK! My wife and I are XXXX yrs old and don't like to drive... We went back to XXXX to fix our XXXX and connect service back to them ... XXXX raised my internet cost because they said we broke the contract for two services and we have to get a higher rate for the one service. 
I cancelled the internet after fighting with them and an employee called my wife an OLD XXXX! 
They sent our account in XX/XX/XXXX to Sequium Asset Solution, LLC who hit our credit report with a COLLECTION of {$300.00}, ruined my credit and my home insurance company in Florida raised our rates because of my credit score dropping. 
I called XXXX several days ago and they took off {$60.00} because they caught an overcharge to our account but left the {$240.00} because we cancelled one service before the 30 days. I asked them to send the 100 % customer service agreement which states we can cancel and get out money back in 30 days ( no response ) ..They will not listen to the reason why we cancelled the XXXX XXXX XXXX.. IS BECAUSE IT DIDN'T WORK .....
Consumer complaint received 2023-07-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Finance Company, Inc. (CO)

At approximately XXXX on XX/XX/23 I spoke via chat with XXXX XXXX of Professional Finance Company with reference to account # XXXX. I informed her that the amount was incorrect. She informed me that it will be marked as disputed but will be reported to the credit bureaus. I do not owe the stated amount.
Consumer complaint received 2023-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (VA)

Customer Service Representative told me my card is eligible for XXXX points after spending {$15000.00}. But my progress bar shows only {$100000.00} points.
Consumer complaint received 2024-04-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (TX)

NewRez d/b/a Shellpoint is claiming that I am delinquent on my mortgage for 3 months prior to Shellpoint owning my mortgage. Shellpoint purchased the mortgage in XX/XX/XXXX and my payment XX/XX/XXXX was applied to XX/XX/XXXX. I provided proof that I made XX/XX/XXXX payment to XXXX the previous Servicing Company. After round and round, SMS said that XXXX, XXXX, and XX/XX/XXXX were not paid to XXXX. I received extended forbearance for XXXX, XXXX, and XX/XX/XXXX. I made payments for XXXX, XXXX and XX/XX/XXXX but those payments were applied to XXXX, XXXX, and XX/XX/XXXX forcing my account to be past due by 90 days. I never received any notification from XXXX that my account was past due nor did XXXX report to the credit bureau that I paid late. SMS is charging monthly late fees and inspection fees, racking up additional charges to my account. I provided the letter approving forbearance for XX/XX/XXXX- XX/XX/XXXX. I provided XXXX 's payment history for my account. SMS still refuses to stop with the late fees, inspection fees, adverse credit reporting, and correct the payment application. I NEED HELP!
Consumer complaint received 2023-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (NJ)

Initially borrowed XXXX from Net Credit and they were not clear as far as what their repayment schedule was. It was my understanding the repayment amount quoted to me was per month, and it ended up being every week! The interest rate is ridiculously high and I called to adjust my payment schedule which it took forever to talk to someone after being put on hold forever and they were rude and couldnt help me lower the payments. After I made the payments I could and then no more, they sold the account to an aggressive collection agency XXXX XXXX, that immediately reported it to the credit bureau that calls about 5 times a day starting at XXXX XXXX. XXXX ( XXXX ) XXXX among other numbers. Net Credits interest rates are way too high. I had already repaid over {$850.00} of the {$1000.00} due and now they say I still owe a total of {$1500.00}. And that is supposed to be a good offer. I would never use that company again. They prey on people that need some temporary help and its a nightmare with terrible customer service.