davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/2020 went to Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX. 
Opened a checking account, with a {$1500.00} check from current checking account in town I moved from. ( approx within 50 miles ). Received checks and a debit card. Wife currently has a checking account in Chase for 12 years. 
XX/XX/XXXX Received a letter they blocked my account and will close it. 
Reason due to XXXX  Report. 
I checked my XXXX Report which is attached, shows No lates with any accounts. A Good credit score The CFPB on Wednesday ordered Chase to pay {$4.00} XXXX for failing to comply with the Fair Credit Reporting Act.federal regulator says JPMorgan Chase was lax in ensuring the account history it reported was accurate. Further, the Consumer Financial Protection Bureau says consumers who filed disputes with the bank and those who were denied new accounts never received the information they were entitled to.
Consumer complaint received 2022-12-18
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. (GA)

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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC (AL)

I have a conventional mortgage with Mutual of Omaha Mortgage, including an escrow account. They took money out of my escrow account for property taxes. However, they referenced the wrong parcel number. I contacted the revenue office, who stated they never received a payment from Mutual of Omaha for any parcel. And, even if they had received it, the payment referenced a parcel # that doesn't exist in my county. So, the payment would have been sent back to Mutual of Omaha anyway. I ended up paying my property taxes directly, before any additional late fees were added. I have contacted Mutual of Omaha multiple times to try to get my escrow account credited. But each time I call, I am told they will have to research the check payment to see if it has cleared, stop payment, then they can credit my account. This has remained unresolved for months. Whether the check has cleared, been stolen, or is lost, is irrelevant. My account will still have to be credited because Mutual of Omaha did NOT pay my property taxes. I paid my property taxes. The payment they claim to have mailed never would have paid my taxes anyway. It referenced the wrong parcel number. The fact is, I paid my property taxes and Mutual of Omaha did not pay them. Therefore, regardless of where their check is, they still owe me a credit. But they refuse to do so in a timely manner. I am just getting the run around.
Consumer complaint received 2022-04-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

I logged in to my account to retrieve tax information about 6 months ago. Without my permission my account was switched to paperless. I have called Chase 5 times to resolve this issue and have my statements mailed. Every time I call, the representative confirms with me that my account will return to mailed statements. That has not happened. I'm not sure what else I can do to resolve this relatively simple request?
Consumer complaint received 2020-02-17
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. (FL)

As I went to my tax professional to get my taxes filled, my consultant told me that I was not able to file my taxes due someone using my identity. As I'm trying to get that taking care I decided to get my credit report pulled. When I got my credit report there was a numerous list of things that I have never applied for in my life. Please remove these things off my credit as soon as possible. 

XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX  XXXX {$470.00} XXXX  XXXX {$1600.00} XXXX  XXXX {$3700.00} XXXX XXXX XXXX XXXX {$77000.00} XXXX XXXX {$140.00} DEPT OF EDUCATION/XXXX XXXX {$32000.00} XXXX   XXXX XXXX XXXX {$500.00} XXXX XXXX  XXXX {$23000.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX XXXX XXXX {$4700.00} XXXX   XXXX XXXX XXXX {$8700.00} XXXX XXXX {$460.00}
Consumer complaint received 2022-10-13
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: EQUIFAX, INC. (SC)

The last date payment made on this account for XXXX XXXX was XXXX XXXX. It is reporting as a charge off and closed, XXXX ( a ) ( XXXX ) .They placed the account for collection or charged it to profit loss. That is fraud to write it off as a loss then trying to make the consumer pay them. The charge off balance at the time of charge off was {$260.00}. For XXXX it was reporting as {$260.00}. Now the balance is reporting {$440.00}. How can a charge off account balance increase when it is charged off? I have asked for verification and validation of this debt from XXXX XXXX and I have not received anything but the credit bureau stating that the account has been verified and to call XXXX XXXX, which I did and they send me from XXXX person to the other or tell me that the person I need to talk with is not in or to call back later in the week. The XXXX XXXX XXXXXXXX for XXXX XXXX is time barred after XXXXXXXX XXXX have passed. XXXX XXXX 3-530.They are in violations of my rights as a consumer. XXXX. ( XXXX section XXXX ) this is a bearing on my credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, and mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility. XXXX. XXXX The collection of any amount XXXX. XXXX ( XXXX ) ( A ) - the false representation.
Consumer complaint received 2022-06-01
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: Experian Information Solutions Inc. (NC)

Hello CFPB, I was made aware that my rights have been violated by the companies I will list below. These companies refuse to follow the laws! 

In accordance with the Fair Credit Reporting Act, XXXX XXXX  Account # XXXX 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 : States a consumer reporting agency can not furnish an account without my written instructions.

These companies are misusing my personal information and by law are violating my rights!
Consumer complaint received 2022-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX has violated my rights. 

15 U.S.C 1681 section 602A 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 an account without my written instructions Hard inquiry
Consumer complaint received 2017-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (IA)

Account with XXXX XXXX XXXX was opened XXXX XXXX, XXXX for XXXX XXXX XXXX in the amount of {$270.00} and this account is due to identity theft from my ex husband who used my social security number without my permission or knowledge. I have disputed it multiple times on my credit to no resolve or contact from company.
Consumer complaint received 2022-06-01
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Concord Servicing Corporation (CA)

Reference : Loan number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX My loan for my windows ( for my home ) started with XXXX and now its with Concord. 

I am very unhappy that when I make a payment online that there is now a {$5.00} processing fee to make that payment. Same thing when you make the payment on the phone. 

When the service provider was XXXX there was no processing fee ( made 2 payments before Concord took over and no processing fee. ) The original loan should be honored that did not include a processing fee for this service. 

Also I will be reporting and filing a complaint with Consumer Financial Protection Bureau. 

I await your response. 

Best Regards, XXXX XXXX Sent XXXX reply from Concard on XX/XX/2022. they would waive one fee if I signed up autopay I replied back and advised that there was no fee to payment with previous loan provider and asked them to honor my agreement with the original loan provider. No fee for making a payment using checking account. 

The new loan provider needs to honor all agreements made when I took loan out with XXXX.
Consumer complaint received 2020-02-17
Product: Credit card or prepaid 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: CITIBANK, N.A. (KS)

Citibank recently closed my account, because they stated I mispresented disputes. I spoke to their executive office team member named XXXX, and she only provided me with a few specific examples but stated there are more. XXXX stated I was given permanent credit with no additional documentation required due to the dollar value of the disputed amounts. Moreover, Citibank also paid the merchants on these disputes when the merchant stated he or she believed the charges were valid. Then, Citibank wrote off the amounts. They never followed up with me for additional supporting documentation to support at any time during the dispute process, including after merchants ' claims. 

I have repeatedly e-mailed billing disputes asking for all documentation including the merchant response on my disputes. I have received very little from Citibank to date. I have called the dispute 's department and asked them to provide me with a list, but they stated I have to put in a request on each individual dispute. Obviously, I don't have all day to spend on the phone, especially when it is clear that their billing dispute 's team doesn't even understand what is going on. 

Today, XXXX, I called in to speak to a billing dispute representative to get information on some of the disputes. I called around XXXX and the rep 's name was XXXX . She was insistent that the merchants were not paid on specific transactions and that Citibank would not pay out twice, stating permanent credits were issued in my favor. I asked to be transferred to a supervisor. I was left on hold. The phone call lasted nearly 25 minutes before I finally hung up and decided to put the requests in to the CFPB. 

Previously, I spoke with XXXX in billing disputes on XXXX. He was able to give me specifics, but I am still worried if I was given correct information by how much I had to press him. 

Obviously, due to the number of disputes, I am going to have to attach them. Because of the way the CFPB formats complaints, it will lump the complaint into one paragraph which will make it difficult for Citibank to comb through each dispute and to get me the right paperwork along with the right response. I am including all the disputes listed on my account summary from XXXX to XXXX. I have included the dispute numbers, the merchant, the purchase price, and the disputed amount.
Consumer complaint received 2020-02-17
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: ID Analytics, Inc. (GA)

To whom it may concern : Recently I check my credit for accuracy and I was surprise to see delinquent accounts in my credit when I never had this accounts in my credit, it seems someone had opened these accounts without me knowing, so I have been victim of identity theft, that's why I'm making this report.
Consumer complaint received 2020-02-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

On Tuesday, XX/XX/2020 and Thursday, XX/XX/XXXX Portfolio Recovery Associates, LLC was contacted via certified mail concerning the validity of a charged off account, for an alleged debt due them, in the amount of {$480.00}, which they've failed to validate a second time. A violation of my rights under the FCRA 611 Section ( A ) ( 1 )
Consumer complaint received 2024-02-17
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)

My information was sold and bought illegally because I was a victim of the XXXX data breach. I need this item deleted from my credit report effective immediately. I am attaching proof that XXXX admitted that I was a victim of this data breach and XXXX has deleted this item from my report as well as XXXX. I have also submitted evidence of the DATA Breach to Experian but they have denied my request. 

I have attempted several times to dispute this item with Experian, but however, they have denied my request. Please help me delete this illegal account from my credit report effective immediately. 

*XXXX XXXX : Account # XXXX {$3400.00} ( ( Charge off )
Consumer complaint received 2022-12-18
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. (CA)

i am a victim of identity theft. my identity was stolen and my personal information was used without my consent which is illegal. Please block and remove these UNauthorized accounts from my credit report. 

attached is my social security card and my state id. 


please block and remove the following accounts 1 ) XXXX XXXX XXXX  Account Number : XXXX amount {$1800.00} 2 ) XXXX XXXX XXXX account number XXXX amount XXXX
Consumer complaint received 2022-06-01
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. (PA)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account XXXX # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 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 2020-02-17
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. (TX)

I have been working on repairing my credit for about six months now. I have been consistently sending letters to Equifax during this time, the first one being sent on XX/XX/2019. I am in the process of trying to get a home for my family and me, and the blatant disregard from Equifax is hindering my efforts. I am trying to better myself and get a better job but Equifax will not respond to my disputes so I'm not even sure if they are following the laws laid out for them. I have attached all of the letters I sent to Equifax below.
Consumer complaint received 2022-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In XX/XX/2022 government/federal agencies over XXXX student loan accounts were closed in my name because the servicer contracts werent renewed. These loans were transferred to a new servicer/bank and therefore they reflect over XXXX new inquiries on my credit report. My credit score dropped XXXX points over night. I didnt close these accounts personally. The contract with the servicer ended and this is out of my control that new inquiries were made on my behalf without my consent and my credit score is penalized over XXXX points as result. This isnt fair or just.
Consumer complaint received 2020-02-17
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: LEXISNEXIS (GA)

To whom it may concern : Recently I check my credit for accuracy and I was surprise to see delinquent accounts in my credit when I never had this accounts in my credit, it seems someone had opened these accounts without me knowing, so I have been victim of identity theft, that's why I'm making this report.
Consumer complaint received 2024-04-09
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: HYUNDAI CAPITAL AMERICA (LA)

I reviewed my credit report on XX/XX/XXXX and noticed several unauthorized inquiries as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX I never applied for credit with either of these companies.
Consumer complaint received 2023-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2022-12-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I had a credit balance on my business credit card. I asked CapitalOne to move the credit balance of {$3800.00} to my CapitalOne checking account in early XXXX. They sent me a check instead but put it in the name of the business that I have no checking account for. I called them and asked them to put the check in my name. They then said they have to stop payment on the check and it would take XXXX business days to get me a new check and it should be there by XX/XX/XXXX. Once again, I requested that they put the funds in my CapitalOne checking account. They didn't. They sent the check to wrong address. On XX/XX/XXXX, I called again and they said they had to stop payment on the check that was returned and it would take another XXXX business days but this time they would put it in my CapitalOne checking account. Today, XX/XX/XXXX makes it 9 days since they promised to put the funds into my checking account so I called and they said even though the supervisor requested XXXX, they made another check and it was mailed on XX/XX/XXXX and It will take additional XXXX business days. They refused to give me another supervisor. They have had my {$3800.00} for more than a month. They ruined my XXXX for my family.
Consumer complaint received 2022-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a victim of identity theft. I have requested that these fraudulent items be removed from my credit reports. The credit bureaus have not provided proof that these are my items. I have not seen a contract or a signature for any of these accounts.
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I have sent over several police reports with Equifax and XXXX. I have also showed them my correct name. They have several fraudulent accounts with different names along with my correct name. Which is causing me to have several unknown accounts under me.
Consumer complaint received 2024-04-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (CA)

I have been a victim of Identity Theft, and all my personal information was exposed online in the XXXX XXXX XXXX and others online data breaches. I want all those fraudulent accounts removed from my credit report. I have already placed a freeze on my credit. Thank you for your help. I have also reported them to the Identity theft website with reference number : XXXX. Thank you for your help in this matter.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (TX)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights!

Under Act 15 U.S.C. 1681 section 602 says I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it states a consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C 1666B A creditor my not treat a payment on a credit card account and consumer credit plan as late for any purpose. 
Please update the following accounts as Paid, Never Late. 
XXXX XXXX XXXX XXXX # XXXX