davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (FL)

My wife and I have had a traditional XXXX yr mortgage with Chase ( account XXXX ) since XXXX. We were never delinquent on a payment, each month Chase sends me a monthly statement with a coupon for the next payment. In XX/XX/XXXX, I never recieved their statement or coupon, and I did not send in my XXXX mortgage payment. I recieved the statement + coupon for XXXX, and XXXX was paid on time. The first week of XXXX I was contacted by Chase telling me our mortgage was delinquent, I looked into it and agreed that I missed XXXX 's payment, and made 2 payments in the next week to catch up. Now we are trying to apply for a line of credit, but were denied, as Chase reported we were delinquent x 2 payments, I say we were delinquent for 1 payment, as when I was notified that our XXXX payment was never made, I paid it plus our regular XXXX payment in the next few days. 
Now due to this error we have been denied a line of credit we need for expenses for an upcoming child 's wedding, not to mention the negative impact this has had on our credit score.
Consumer complaint received 2022-01-31
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. (MA)

Dear Cfpb ; XXXX, XXXX and Experian ; Hopefully, you guys were safe during this recent blizzard over the weekend. Im not quite sure whats going on but the following accounts were never fully investigated by my previous request because it continues to report the same multiple inaccuracies, incomplete and unverifiable information. IF you look at them closely you will notice that there are different dates of last active, last payment, last reported, and 1st dates of delinquencies. Also with inconsistent with payment history and status which is causing these accounts to illegally re-aged. I also understand that I was protected under THE CARES ACT, particularly COVID19, and therefore, creditors shouldnt report adverse or negative information into my credit report due to proper accommodations. As you can see from recent studies from CFPB, they found that XXXX, Experian, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. 

XXXX # XXXX ; & XXXX XXXX # XXXX ; & XXXX # XXXX
Consumer complaint received 2022-01-31
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. (MA)

Dear Cfpb ; XXXX, Transunion and XXXX ; Hopefully, you guys were safe during this recent blizzard over the weekend. Im not quite sure whats going on but the following accounts were never fully investigated by my previous request because it continues to report the same multiple inaccuracies, incomplete and unverifiable information. IF you look at them closely you will notice that there are different dates of last active, last payment, last reported, and 1st dates of delinquencies. Also with inconsistent with payment history and status which is causing these accounts to illegally re-aged. I also understand that I was protected under THE CARES ACT, particularly COVID19, and therefore, creditors shouldnt report adverse or negative information into my credit report due to proper accommodations. As you can see from recent studies from CFPB, they found that XXXX, XXXX, and TransUnion relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. 

XXXX # XXXX ; & XXXX XXXX # XXXX ; & XXXX # XXXX
Consumer complaint received 2022-01-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Bread Financial Holdings, Inc. (NJ)

I am XXXX XXXX and I am submitting this claim myself and no third party is involved. 

I, XXXX XXXX, natural person, and creditor of an open ended credit plan was denied my right of credit by COMENITY CAPITAL BANK. I was notified of this transgression of my rights, specifically XXXX XXXX XXXX XXXX, by COMENITY CAPITAL BANK XXXX XX/XX/2021 via U.S mail. 
According to 15 USC 1602, I as a natural person possessing an open-end credit plan was harmed by COMENITY CAPITAL BANKs adverse action taken against me. 
COMENITY CAPITAL BANK admitted to using a credit scoring system that assigns a numerical value on information in my credit report. COMENITY CAPITAL BANK admitted XXXX the credit reporting agency advised them to share my private info via my credit consumer report. 
According to 15 usc 1602 ( p ) XXXX never had my permission to allow COMENITY CAPITAL BANK to view my non public private info ; in result I received no benefit from this credit transaction. 
COMENITY CAPITAL BANK adverse action against me, denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( XXXX ) ( A ) ( XXXX ) are up to XXXX. COMENITY CAPITAL BANK is now civilly liable to pay me for the damages.
Consumer complaint received 2023-10-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2019-12-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (GA)

This complaint Involves the XXXX XXXX XXXX  and Chase Bank. 
On XX/XX/XXXX of XXXX I initiated the wire transfer for a real state closing from my bank account over the XXXX XXXX to the beneficiary and account holder of the Chase bank in XXXX FL. about 4 hours later I found out the Beneficiary 's account email was hacked and the wire information didn't belong to the closing attorney. Immediately I reported to the XXXX XXXX XXXX at the branch were the transfer was initiated and a FRAUD alert was placed before all banks were closed. The FBI was informed as well as the local police department. The next day was XXXX XXXX and the funds left my account by Friday after the holiday. On Monday XX/XX/XXXX, the branch of XXXX XXXX informed my mother who is the second owner of my account that the funds were frozen at the account 's holder over the Chase, there was a name discrepancy plus the wire fraud alert. 
On XX/XX/XXXX the Wire fraud department of XXXX XXXX faxed an affidavit form that I signed in person and it was sent directly from the Branch where I have my account. 
Over a month after many phone calls, the only answer I always received from the investigator of XXXX XXXX was that the Chase bank didn't reply to the swift recall and they had no information. 
On XX/XX/XXXX, I received a deposit in the amount of {$7900.00} with a recovery claim title. 
I proceed to the branch on the next business day XX/XX/XXXX to enquire about the remaining {$32000.00}. The bank officer contacted the wire department over the phone and she received the information that the amount credited to my account was the only funds the chase returned. The bank officer asked the person over the phone regarding the funds being frozen at the chase after the fraud alert was placed and the information was confirmed by the branch ' Manager, hence, how it was possible the hacker was able to retrieved most of the money? Accordingly to the information released to the bank officer, the Chase bank lifted the fraud alert and allowed the beneficiary " hackers " to disbursed {$32000.00} and proceed to close their account after and send the remaining {$7900.00} to XXXX XXXX to be credited to my account. 

Today I was also aware that after this incident the XXXX XXXX XXXX had change the procedure for wire transfers and now they bank officer needs to verify when a person is sending a wire that the details are correct and legitimate. This procedure didn't apply to me
Consumer complaint received 2022-01-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (NY)

I received an email from Chrysler Capital ( Tuesday, XX/XX/25 ) that my pre approval for a loan was approved. I was concerned because I didnt apply for a pre approval. I contacted Chrysler Capital by phone and was told a lot of those emails were sent out by mistake and not to worry about my credit report. It was just a mistake and there was nothing to worry about. I had a Chrysler loan years ago, but no current relationship. Very concerned about why they would do this - seems like fraud targeting former customers.
Consumer complaint received 2022-01-31
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. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-10-01
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: CAPITAL ONE FINANCIAL CORPORATION (SC)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. UNDER 15-USC-681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15-USC-681 SECTION 604- A, SECTION 2 ALSO STATES, A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER 15-USC-1666-B STATES A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.
Consumer complaint received 2019-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc. (FL)

This is not my account please remove it. I have already filed and requested to be taken down previously and it was removed and sold to XXXX  XXXX XXXX. and has new account number with different amount ... ... remove it.
Consumer complaint received 2022-01-31
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. (MA)

Dear Cfpb ; Equifax, XXXX and XXXX ; Hopefully, you guys were safe during this recent blizzard over the weekend. Im not quite sure whats going on but the following accounts were never fully investigated by my previous request because it continues to report the same multiple inaccuracies, incomplete and unverifiable information. IF you look at them closely you will notice that there are different dates of last active, last payment, last reported, and 1st dates of delinquencies. Also with inconsistent with payment history and status which is causing these accounts to illegally re-aged. I also understand that I was protected under THE CARES ACT, particularly COVID19, and therefore, creditors shouldnt report adverse or negative information into my credit report due to proper accommodations. As you can see from recent studies from CFPB, they found that Equifax, XXXX, and XXXX relied heavily on template complaint responses instead of providing meaningful and thorough responses to consumers, despite having up to 60 calendar days to respond. 

XXXX # XXXX ; & XXXX XXXX # XXXX ; & XXXX # XXXX
Consumer complaint received 2019-12-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (FL)

Since XXXX I have been getting misled by FedLoan Servicing and let it go.XX/XX/XXXX I decided to work on getting issues resolved by calling FedLoan Servicing for help. Each and every time you call, a different customer service rep advises of something different than the last rep. I was told to have my payments reduced and they did. Then I was told to send in claim forms so the XXXX qualifying payments would be adjusted to reflect on account. XX/XX/XXXX I contacted FedLoan again ( they try to wear you out and discourage you from trying to fix it ) and requested an audit. XX/XX/XXXX the letter they sent to me still shows no audit and no accurate count of payments made each and every month. XX/XX/XXXX-XX/XX/XXXX nothing done. After complaining again, XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX an adjustment was made to show " 2 qualifying payments when in fact there were 4 ''. My employer re-faxed XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again XX/XX/XXXX claim forms because rep XXXX XXXX ID # XXXX stated " noting received since XXXX ''. Today, rep XXXX XXXX ID # XXXX claimed my employer sent all claims for all years XX/XX/XXXX, which is false. FedLoan altered the name of the employer to make it appear I'm not working at the same place although claim forms indicates " Still Employed '' and the Federal EIN # is the same from XXXX and XXXX. FedLoan ( XXXX, XXXX and others ) will tell consumer " claim not received and to resend '' but when you resubmit, claims are rejected because they are all sent at once. Never ending cycle of no assistance and misleading. Also mislead you by telling you what you should pay only to find out that the payment you were told to pay is not a qualifying amount. Each month, your loan balance nor the interest you owe ( outstanding ) changes-even after doing what the rep tells you to do. There is no escalation dept., no audit department, no one in the entire company that customers can speak with for help.
Consumer complaint received 2022-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I boarded a flight to XXXX, where I was planning on taking vacation until XX/XX/XXXX. On XX/XX/XXXX and XX/XX/XXXX, a series of authorized in person withdrawals took place at XXXX branches, detailed below : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX pm EST {$1600.00} XXXX XXXX pm EST XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Claim : XXXX Business {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX pm EST {$2000.00} XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX pm EST Claim : XXXX In each of these cases, Chase was negligent in their fiduciary duty to maintain appropriate security measures in maintaining control of my funds. They failed to properly ascertain the identity of the person making the withdrawals, and improperly mishandled the funds in question. 

I discovered the issue on XX/XX/XXXX while in XXXX, XXXX and immediately reached out to Chase. They were experiencing issues with their phone and call centers and I could not reach them until the day after. Once I was able to reach them they provided me with the XXXX claim IDs listed above. 

On XX/XX/XXXX I was told claim XXXX was originally denied due to signature is too similar. In response, I faxed and mailed over XXXX copies of my signature on various credit cards and other documents, displaying a signature that is clearly different from the fraudulent signatures on the withdrawal slips. 

I received a letter dated XX/XX/XXXX that the claim was now denied because Chase " determined that the item ( s ) being disputed were authorized or [ I ] received benefit from the item ( s ) '', with no corroborating evidence provided or additional reasoning. Chase changed the reason from the original conversation to an entirely different reason purportedly to deny my claim on no factual basis. 

I provided documentation that I was clearly out of the country, and there are no other authorized users on my account. I immediately reported these issues to the bank and they, without my express permission, closed both accounts, causing a series of returned payment fees across a series of mortgage providers and payees, including Chase themselves. To this day, I have yet to receive a refund of the remaining balance of my Chase Business Checking account, despite them having denied the claim. 

Not only did Chase mishandle and fail to control proper access to my funds, they have taken inappropriate action to remedy the situation, denied reimbursement based on false evidence that they refuse to provide, and have failed in their fiduciary responsibilities.
Consumer complaint received 2022-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY (MD)

I am writing to contest the fees applied to the final payment on our XXXX XXXX unit purchased from XXXX XXXX. XXXX and XXXX on XX/XX/XXXX. XXXX for {$12000.00}. 
The Financing was provided by Wells Fargo. 
I final payment was due on XX/XX/XXXX. 
1. I wanted to submit the payment directly though their system but could get support.

2. I then called an agent who confirmed that I had plenty of time to get it through by the XXXX 
3. I submitted the final payment for {$7000.00} I received confirmation payment was received on XX/XX/XXXX. 
4. See attached email.

5. I had no other communication with Wells Fargo, nor did I expect any, until I received a letter postmarked letter With all of the new chargers. 
6. The first Customer Service representative who told me that my bank refused the payment. That was later confirmed to be a lie by another agent who said they had rejected it. 
7. When received the letter, I resent the payment the same day. 
8. I am enclosing a copy of the most recent statement and the confirmation of the payment. 
9. Demand a refund amount of {$3300.00} 10. I have enclosed the following documents : a. The Conformation email of the original payment on XXXX and the current account summary. 

I have details to prove that I paid on time.
Consumer complaint received 2019-12-27
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: ID Analytics, Inc. (AL)

The Below companies acquired unauthorized access to my credit report : XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, Michigan XXXX XXXX XXXX XXXX DATES : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX  XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX via XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX Credit Bureau Dispute XXXX, Texas XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX   DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX
Consumer complaint received 2019-12-27
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: LEXISNEXIS (AL)

The Below companies acquired unauthorized access to my credit report : XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, Michigan XXXX XXXX XXXX XXXX DATES : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX MXXXX, LA XXXX XXXX XXXX via XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Service Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX Credit Bureau Dispute XXXX, Texas XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Auto DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX