davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

In XXXX i went into the chase bank to take care of some banking. i was asked why i was with drawing such a large amount from my savings. i told them i was refinancing my home. so they asked if they could try to match the offer. i figured why not let them try. so i met with one of there lending advisers. his name was XXXX XXXX. XXXX XXXX he took my information and started an estimate to see if he could match or beat the other offer. At first i thought he was going to but decided to stay with the first offer. in the process XXXX told me that in order for him to continue the estimate i would have to agree to give him a credit card number he could use for a {$500.00} fee that would only apply if i agreed to go forward with there offer. when i told him that i had decided to stay with the other loan offer he got upset and said that i was not going to get the {$500.00} dollars back.i was not told that this was not refundable until i told XXXX i did not want to go forward with his offer. not only was he very rude about it he told me i would not get my money back. there was no services rendered other then the estimate he agreed to do for me to see if he could match or beat the other offer. i had no idea he was going to keep my {$500.00} dollars for just his estimate.
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: SettlementOne Valuation, LLC (CA)

CFPB, After logging on, and looking at my Credit Report I was shocked to see these Unauthorized Inquiries. Please see below Unauthorized Inquiries XXXXXXXX XXXX XXXX - XXXX Credit Technology - XXXX, XXXX, XXXX XXXX - XXXXXXXX XXXX XXXXXXXX  - XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX
Consumer complaint received 2024-04-17
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Lac Courte Oreilles Financial Services II (IL)

On XX/XX/year>, I requested eLoanWarehouse to reduce my Monthly Payment on my Loan from {$220.00} to {$100.00} ; to pay off my PayDay Loan. 

On XX/XX/year> ; eLoanWarehouse took out XXXX from my Checking Account ; and that was NOT the agreement we had made. 

Secondly, I had been harassed by this Company for 10 days straight ; as they were making several attempts during the day to deduct the aforementioned amount from my Checking Account.
Consumer complaint received 2022-05-26
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 Account # XXXX and 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 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (WA)

The credit monitoring companies are soliciting services for modifying their own ways in a method that seems conflicting to ethical antics. They collect and share information about your credit and will change their ways if you pay them money to do a better job protecting that information. This would be like the mafia threatening to affect your business back in the day and then at the same time turning around and offering a service to protect you from the same attack.
Consumer complaint received 2021-10-01
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. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (CA)

I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus. I have enclosed the fraud package that was sent to them. This account was created by a fraudster under my name without my knowledge.
Consumer complaint received 2024-04-16
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: CBC Companies, Inc. (FL)

Hello My name is XXXX XXXX, and I would like to submit a request regarding a dispute. On today, XX/XX/year>, I received an alert from by bank that a hard inquiry had been initiated by FACTUAL DATA, XXXX XXXX XXXX XXXX XXXX. I have not initiated this application and am concerned that my information is being utilized fraudulently. I contacted XXXX as I thought I had a freeze on my information with all XXXX credit bureaus, however I was advised to reach out to each one independently. In speaking with someone at XXXX today they have applied a freeze to my account which I would like to remain in place. I am also requesting that this information be removed from my record as I did not submit this application. Thank you for helping me to resolve this matter.
Consumer complaint received 2024-04-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB, Inc. (CA)

I don't recall having a contractual relationship with this collection company XXXX XXXX XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2022-05-26
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX and 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 2021-10-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (GA)

My husband died on XX/XX/2017. He died intestate with a minor child and a wife. At the time of his death we lived in a house that was his separate property, left to him be his mother. At the time he died, I did not know if he had paid the monthly mortgage. So four days after his death I went to the bank and advised that he had passed away and that I was not sure if he had paid the mortgage. I had the mortgage information. Wells Fargo accepted the payment. I also called the life events team at Wells Fargo that same day and advised of the death. I advised that as soon as the death certificate was available. I would get it to them. When the death certificate became available. I took it to a branch of Wells Fargo and paid the mortgage. I contacted the mortgage servicing division and advised that I would be seeking to become the successor in interest on then mortgage and requested the necessary documentation. I continued to pay the mortgage. On the 5th payment, I went to the bank to pay the mortgage but this time Wells Fargo refused to accept it. I was told that since I was not on the mortgage they could not accept payment from me. This even though I had been paying the mortgage since my husband 's death. I contacted Wells Fargo again. This time I was told that they did not have my husband 's death certificate. I told them that I had gave them a certified copy as soon as it became available. I requested information on the status of the payments and Wells Fargo refused to give my any information on the mortgage payments. They sent me the forms they needed for me to apply to become the successor in interest. To become the successor in interest. they were aware I was required to prove an ownership interest. I advised that I would be filing the necessary paperwork/pleading in probate as soon as it was determined who would be my stepson Conservator. I gave them all the necessary information to confirm that my husband had left a minor child who was unrepresented. While I continued to resolve the issues with the child and the estate, Wells Fargo foreclosed on the house without notice to the estate. Wells Fargo foreclosed in my husband 's deceased mother name! At the time of my husband 's death he was the sole obligor on the mortgage. Neither I nor the estate received any notice from Wells Fargo. I am currently litigating against Well Fargo for what they did. This case happened Texas. Texas has law that says that a Dependent Administrator can set aside a foreclosure of a person who dies intestate within four years of the death of the obligor! Even though this is the law in Texas, Wells Fargo refuses to follow the law and is continuing the litigation at great expense to the family. Wells Fargo stole from my family! I am still fighting but I want the CFPB and the public to know that Wells Fargo continues to harm its customers even though that are penalized by its regulators! Wells Fargo has not changed. They just will not stop destroying the lives of their customers!!
Consumer complaint received 2022-02-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Credit Management, Inc (MO)

Hello, I paid my medical bill with the hospital and it is on my credit report. I called the agency and asked them to contact the hospital because the debt was precociously paid. They refused. 
I contacted the credit agency. XXXX to explain the bill was paid and I have the receipt. I attempted to upload the receipt to the online portal would Not allow me to Attach the receipt of proof. It appeared to be an issue with the system. They then opened a new dispute and it remains on my credit report although I explained to both XXXX and Professional Credit Management that the debt was paid. I also offered to Email it to Professional Credit Management and was told they can not accept emails and XXXX was informed their system would not allow me to upload proof. 
It has been removed from the other two credit reports but not XXXX.
Consumer complaint received 2023-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (FL)

While banking with Wells Fargo I were being charge tremendous amount of late fees overdraft fees from my account XXXX of dollars every month my entire deposit check turns out less money once wells Fargo deduct from account I felt it was wrong of wells Fargo to take XXXX of dollars out of my account XXXX XXXX
Consumer complaint received 2019-09-06
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. (NC)

Equifax is incorrectly reporting me as an Authorized User on the XXXX - partial account number XXXX. ( Please see page 12 of the attached credit report. ) I called XXXX and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureau to remove this however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2021-10-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (OH)

This complaint relates to all of my accounts with JP Morgan Chase. These accounts include four checking, one savings, two credit card, and one direct investment account. 

On XX/XX/2021 I attempted to purchase security derivatives in my direct investment account. I had plenty of liquidity and authorization to do so. I was informed my account was restricted to liquidation only and would be closed on XX/XX/2021. I contacted customer service who could offer no explanation or information except that I would receive a letter in the mail. I subsequently transferred my assets to another firm. 

On XX/XX/2021 I received a letter regarding the closure of my direct investment account that offered no explanation. I filed a complaint with FINRA regarding the direct investment account closure. 

On XX/XX/2021 I attempted a card present transaction on one of my credit cards, which returned declined. I checked my account online and saw that both credit cards were marked as " account closed ''. 

On XX/XX/2021 I visited the XXXX XXXX, OH Chase branch and spoke with Branch Manager XXXX XXXX. XXXX was unable to provide any information other than confirming my credit card accounts were closed but also informed me that my checking and savings accounts were also closed. He could withdraw funds for me, but could not provide any other information or assistance. 

on XX/XX/2021 I contacted Chase customer service. After 40 minutes speaking with various lines of business I was able reach the Executive Office team and file a complaint. That complain number is XXXX. 

I wanted to file with the CFPB to ensure accountability, escalation, and resolution with Chase. I will also file a complaint with the Office of the Comptroller of the Currency 's Customer Assitance Group. As a Federal Bank Examiner employed by the Office of the Comptroller of the Currency I find this treatment absurd and unacceptable.
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

I had lost my credit card and XXXX and went to work. When I arrived at my residence, I had used my computer to check various credit cards to make sure everything was alright. I had learned that on my discover card there were charges that I didn't recognize amounting to {$250.00}. I called my credit card company and notified them of my lost items and charges. Discover credit card issued me a new card, however the fraud department hasn't finalized this action. 

I had learned that my wallet and phone were likely stolen, and these charges made a minor without my consent. I have since locked my XXXX to ensure that this doesn't happen moving forward.
Consumer complaint received 2021-10-01
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. (NC)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-10-01
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. (CA)

I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : XXXX, Experian, and XXXX. I have informed the consumer reporting agencies XXXX, Experian, and XXXX by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2021-10-01
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. (CA)

I, the consumer, in fact, have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). My privacy is violated by the following companies : Transunion, XXXX, and XXXX. I have informed the consumer reporting agencies Transunion, XXXX, and XXXX by mail of the specific accounts they are continuing to report in violation of 15 USC 1681 ( a ) ( 4 ).
Consumer complaint received 2021-12-07
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: WHEELS FINANCIAL GROUP, LLC. (CA)

Per my contract, the alleged debt has been paid as agreed at the time of signing. 
The promissory note is a negotiable instrument. I will be asserting all of my rights. 
Per 15U.S. 1602 I am a natural person and XXXX XXXX is the creditor. I advise XXXX XXXX to also read the laws on consumer credit transaction According to 16 CFR 433.1, 16 CFR 433.2, 16CFR 433.3 this company is included to follow my rights XX/XX/1977, shall be exempt from the requirements of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses I have also been violatedand XXXX XXXX has borken the law by communicating or threatening to communicate to any person credit information which is known or which should be known false. This is under Title 15 U.S.

Code 1692 E Lastly please see the Notice section as well in a consumer credit contract. 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 
NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 
XXXX XXXX Without recourse
Consumer complaint received 2021-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/2021 I made a deposit into my Capital One bank account. I received a check from the Treasury Dept for an advanced child tax credit. I received a message that it would be available XX/XX/XXXX which I have attached an image. I later receive an email stating it wouldn't be available until XX/XX/XXXX. I contacted Capital One and informed them of this error and I also informed them that the checks aren't to be held. The rep claimed there was nothing to be done and apologized. I explained that had I known that the money wouldn't be available until Monday I would have brought it in to be cashed. I am filing this complaint because their funds availability date doesn't correspond with what they told me.
Consumer complaint received 2021-10-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IL)

I called Equifax XX/XX/2021 to remove unauthorized inquiries and they refusing to remove them. I have sent in numerous police reports and ftc reports to back my claim. I spoke with XXXX from Equifax employee ID XXXX and he said he is not removing the inquiries Ill be better off filing a complaint. This is the 4th time I have gone through this process with Equifax.
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Thank you so much for taking the time to read this complaint I have a dispute with Transunion reporting incorrect data on my credit report as well as XXXX XXXX XXXXeporting incorrect data as well. 

I have reached out to XXXX XXXX and they have failed to provide proper documentation for this dispute they have not validated this debt. 

XXXX XXXX have not provided a contract validating this debt. 

Transunion is showing no account history. 

There is alot of major discrepncies with this account. 

They keep reporting late payments when the account is charged off.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 21ST MORTGAGE CORP. (MS)

( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.