davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (FL)

I have called the bank numerous amount of times to find out why my account is being closed they have given me the run around so many times that it is so frustrating. They won't give me any information they told me I can go into the bank and get my money out but when I go into the branch they tell me no we can't do that. They have restricted my account and when I requested information they tell me we don't have any information the bank doesn't have to give a reason why they are closing your account. I just want my money out so it could be closed and I can deposit it into my new account because I have bills to pay.
Consumer complaint received 2022-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I have two private student loans that have been settled in full with XXXX who continue to inaccurately report their balance and status. I had two XXXX private loans go to one of their own collection agencies, XXXX XXXX XXXX. I settled this debt in full for both accounts. XXXX still reports one account as open, both as still having a balance, and also have reported new late payments after the account was already settled in full. 

Both accounts were settled on XX/XX/2022. 

Both accounts settled in full with lender/collection agency letter verifying accounts settled in full.
Consumer complaint received 2022-05-29
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-29
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2017-07-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

My information was compromised by my ex and unbeknownst to me opened up credit cards in my name. I tried to go thru the companies fraud department but they would not listen to me and they have since sold the accounts to a collection company.
Consumer complaint received 2017-07-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (GA)

I recently wrote an email to Best Buy about harassing me concerning a payment for my account. I was making payments, but they continued to call me two to three times a day nonstop. Dealing with XXXX, this did not help me but only frustrated me more. Afterwards, I sent an email informing of filing a complaint and the calls ceased. However, they illegally took an unauthorized amount of {$80.00} out of my account. The payments were setup for {$27.00} and without my permission, Best Buy took the past due amount. This illegal action caused my bank account to be overdrawn. I will never buy anything from this company.
Consumer complaint received 2019-04-20
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. (MO)

After being notified about my credit report, I seen accounts inwhich I have absolutely an knowledge of. Not sure if my name gotten mixed up due to me being a jr., or did someone out right steal my identity. Whatever the case may be I'm disputing the following accounts as of my consumer rights as fraud. The accounts are, 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX  {$230.00} 6 ) XXXX XXXX XXXX Please remove these accounts or provide me with a physical signed certified contract for the above accounts or remove them immediately.
Consumer complaint received 2022-05-29
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (GA)

In XX/XX/XXXX, I bought home in XXXX, Georgia using the VA loan for {$340000.00}, meaning my VA entitlement used was {$87000.00}. I foreclosed on the home in XX/XX/XXXX. I did not receive a notice of foreclosure or they did not contact me at about when the home is going into foreclosure. After foreclosure, my existing balance was {$340000.00} and the home was sold at auction for {$290000.00}. The outstanding balance was {$51000.00}. Mr. Cooper keep all of the {$87000.00} of my VA entitlement instead of just subtracting what they were owed. I asked Mr. Cooper to give me detailed report of all charges that were made but they gave documents that are not detailed at all. I have tried to contact Mr. Cooper on several occasions about this issue but there has been no resolution. This has caused tremendous stress and pain me and my family. I have fought for this country for this benefit and this lender can just take it away. That is unacceptable and flat out wrong.
Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Data on my XXXX report has not been updated since XXXX 2021. I tried accessing my online account and it is still not update. None of the positive credit I've obtained is being reflected.
Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

Data on my Equifax report has not been updated since XXXX 2021. I tried accessing my online account and it is still not update. None of the positive credit I've obtained is being reflected.
Consumer complaint received 2022-04-15
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. (TX)

in accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX , has violated my rights including the following : 15 U.S.C 1681 section 602A. states that i have the right to privacy 15 U.S.C 1682 section 604A section 2 states that a consumer agency can not furnish a account without my written instructions.
Consumer complaint received 2017-07-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I do not have a contract with XXXX XXXX XXXX. I am not liable for collection of these debts from XXXX XXXX, Colorado. I am not responsible for this debt.
Consumer complaint received 2022-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (NM)

I just made my XXXX payment on my ELAN XXXX card. I was surprised that the minimum payment due was so high. I checked the back of my most recent statement and found that the interest rates had been increased. I did not receive any notice of this increase. I have ALWAYS made my payments on time and for at least the minimum amount. I stopped using this card over one year ago in response to a notification of an unacceptable rate increase, and have been making payments over the minimum amount ever since to avoid any increase in interest. I believe this arbitrary increase without notification is opportunistic and punitive.
Consumer complaint received 2022-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (IL)

I ordered some signs from XXXX XXXX. When I realized they charged per item, I sent the signs back through the mail and they credited me back. I kept receiving bills from them and I would call and they would say I do not owe anything. They have turned it over to a collection agency Radius Global Solutions LLC. I have also notified them that I do not owe anything.
Consumer complaint received 2022-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : 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 XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2019-03-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX I went to Chase Bank two-wire {$3000.00} dollars to XXXX the teller was there she made so much mistake with sending off the money she finally send off the money I did not know the money had to go through XXXX XXXX to get to XXXX inXXXX when I went to XXXX in XX/XX/XXXX and when to XXXX XXXX XXXX in XXXX I realized the money was not there I called Chase Bank from the manager Office from the bank in XXXX upon calling Chase Bank they said it was some kind of mix-up the money was in the hair when I came up now I go to the bank they said the money is not there I've been going through the running around Chase told me to call her XXXX I call real XXXX XXXX XXXX said they trying to get to XXXX XXXX not responding iqor XXXX XXXX said XXXX XXXX never send them no information no nothing Chase told me they're not responsible for my money they don't want to have anything to do with me XXXX   XXXX don't want to have anything to do with me XXXX XXXX XXXX in XXXX said the money is not there I want my money the teller from Chase Bank they fired her I don't know what's going on I don't know what's going on I just want my money Chase Banks manager said they don't have the money it's between XXXX XXXX and XXXX the money is messing. You said if it's the best bet he think is XXXX XXXX. Chase Bank customer representative they call me they said they can not do anything to help me they was so rude to me and nasty to me on the phone.
Consumer complaint received 2022-05-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

Dear Sir/ Madam I am writing you regarding my most recent XXXX  money transfer which was initially place on the XXXX of XX/XX/2022 ( Chase wire tracking number : XXXX ). I was advised that the fund will be available to the recipient in XXXX business days but that was not the case. This transaction was for an emergency family support abroad but the delay from the bank as now costed me a great deal of inconvenience. I have called the bank customer service number of times to trace the fund but they were unable to assist. I was advised by the customer service that the delay was caused by the recipient bank ( XXXX XXXX ). My recipient also contacted his bank every single day and he was advised by XXXX bank that there isn't any international XXXX transfer showing on their system which means the delay / disruption is caused by sender party ( JP Morgan chase ). I also popped in to the local brunch but they could not trace the transaction either. After weeks of waiting, I have called the customer service today and instructed them to recall the transaction. Customer service started giving excuses such as " I may be charged extra interest by the recipients bank " which I find quite bizarre as the money never reached the XXXX! 
May I have attention from an senior management about this issue and request a full investigation? I also demand a full refund of my transaction as a matter of urgency! 
XXXX has asked JPM Chase to forward trace the fund and find out exactly where the money is or simply recall the fund.when I called the executive office they told me chase already sent the wire now my receipt r has to find out where the money is which doesnt make any sense as the tracking number they are providing doesnt even work. there is an element of fraudulent activities either from the wiring department or the branch where i sent the money from. Took over a month and no money was transferred this is not normal. Someone should be held responsible.Please help me out getting my funds back from this fraudulent bank. 
Yours XXXX XXXX Phone- XXXX
Consumer complaint received 2024-04-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Premier Lending, Inc. (AZ)

Company Premier lending is reporting on my credit Foreclosure payoff which is affecting my ability to move forward with credit repair. I was in Covid forbearance and when time to move forward bank didnt have options other than paying off the loan in full. I was approved by HAF state program to reinstate the loan Premier lending declined the option of bringing account current. Not showing any 30,60,90 day late on credit but they listed as foreclosure payoff.
Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (VA)

As in my previous Complaint I reported that Equifax Credit Bureau is really fraud Bureau and it never showed my credit report to me and after seeing my CFPB complaint they said that they can invest and in some days they can showed me my credit report. 

And after some days they said to CFPB, Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reported on your credit file. Please be advised that an investigation with the furnisher of the information was completed. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. 

You see that fraud bureau showed that an investigation with the furnished of the information was completed and we hope this resolves your concerns. What investigation was completed what resolve my concerns? And they showed that I can create an account to manage security freeze and remove fraud alerts and initial credit file disputes. If I do these myself then why do I report their name to CFPB, that fraud bureau didn't let me log in to my account and I am already a member of that fraud bureau and not from now. I am a member of that fraud bureau for the last 10 years and whenever that fraud bureau chose they locked my credit report themselves and requested to send a copy of my driver 's license, social security card, or any utility bill so they sold those again to any third party and make money. 

Last year I log in to my Equifax account and that fraud bureau sent an email to me that I log in to my account and choose there some products. But when I tried to log in to my account they showed that I can contact that number and when I contact that number they said we need to verify you and to verify you need to send some documents to us so we can verify you and then show your credit report until no. 

No other 2 bureaus said this but this fraud bureau locked my credit report themselves and Violate Federal law as FTC or FCRA and after complaining here in CFPB they lied that they talked with me and solved the problem.

In XXXX many peoples also complain about them that this bureau is a fraud bureau, not a good bureau. So I request CFPB to take some action against this fraud bureau as FTC took action against this fraud bureau by selling consumer data to private companies. 

Thank You, XXXX XXXX
Consumer complaint received 2022-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I had a XXXX account that was closed without my knowledge I reached out to XXXX my credit score dropped XXXX points because the company said that they rebranded the credit card & I didnt have a balance because the card was already paid off in turn I left it open I did not close my credit card or give them permission to do so
Consumer complaint received 2022-05-23
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. (TX)

FCRA violations : accounts not mine XXXX  : XXXX View account details Account status Age of Account Late payments Closed XXXX  years XXXX  months XXXX  days XXXX
Consumer complaint received 2024-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (WI)

I C System XXXX XXXX XXXX XXXX XXXX MN XXXX ph : XXXX reported to the credit bureaus that I owe ATT uverse XXXX. I canceled my service with them in XXXX of 2021 but I was late returning my equipment. the account went to collections and I returned my equipment and in turn ATT sent a final statement that the account was paid and closed. I'm still getting harrassed by debt collectors because they sell off the account. I have my final billing statement showing all debts were paid from ATT. I talked to ATT personally and they sent me a statement stating that all debts were paid see date of statement XXXX XXXX I have included in this report. I have requested from I C System to send documentation of this debt and they have refused to do so.
Consumer complaint received 2022-05-29
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. (GA)

The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account 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 the law because according to 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 an account without my written instructions I did not give anybody written instructions
Consumer complaint received 2022-05-29
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. (GA)

The credit bureau never did a proper investigation according to the FCRA. 

The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

The did not do this.

Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit bureaus stated my account 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 the law because according to 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 an account without my written instructions I did not give anybody written instructions
Consumer complaint received 2019-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

Please see the following list below which are companies that have requested Hard Inquiries without my knowledge or consent. I've reached out to each of the following as well as submitted disputes to XXXX   and Equifax with no result. I've asked and demanded that they submit proof of my request for a product or service and non of the companies have been able to furnish any results. I've also placed credit inquiry freezes on my credit accounts to prevent from this happening in the future. Please help! 

XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Equifax XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please provide proof that I submitted these requests, through what medium/channel they were submitted, and when. Otherwise, please remove these inquiries as they shouldn't have been there in the first place!