davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (VA)

I refinanced my loan about a year ago. I made some extra payments in the first month which the company did not apply to principle and I had to call them to fix that.     Somehow this has irravociblely screwed up their computer systems. Every month, I pay my {$5000.00} on the  XXXX  of the month. {$4200.00} is due on the  XXXX . Every month, they charge me a late fee because they think I am paying on the  XXXX  for the previous month. Yet, I have never missed a month since the beginning. I have called 3 times about this and each time they fix it, but the problem restarts the next month.     I am wondering if this is some sort of game they are playing with lots of people 's mortgages. It is very easy for someone to not spot the {$150.00} late fee with big payments like this.
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CA)

This is a unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously has caused Financial injury and defamation of character along with 60 days of no response.
Consumer complaint received 2024-06-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Against Chase Bank for Unexplained Account Closure and Unprofessional Conduct Dear Sir/Madam, I am writing to file a formal complaint against Chase Bank regarding the abrupt and unexplained closure of my credit card account, as well as the unprofessional and disrespectful behavior exhibited by their representatives during the process. 
On XX/XX/year>, while I was overseas and relying solely on my Chase credit card for financial transactions, I received an email notification from Chase informing me that my credit card account had been closed. This closure was executed without any prior notice, justification, or opportunity for me to address any potential issues. 
Upon contacting Chase Bank to seek clarification and resolution, I was met with rudeness and unprofessional conduct from their administrative representatives. They provided no explanation for the account closure and, instead, responded with dismissive and disrespectful remarks. Specifically, one representative indicated, in a highly inappropriate manner, that the decision was final and that there was nothing I could do about it. 
The sudden and unexplained closure of my credit card account caused significant inconvenience, financial distress, and emotional pain and suffering, particularly as I was overseas and had no alternative means of accessing funds. Furthermore, the lack of transparency and the disrespectful treatment I received are deeply concerning and reflect poorly on the customer service standards that I expect from a reputable financial institution like Chase Bank. 
I request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to address the following issues : 1.The rationale behind the abrupt closure of my credit card account without prior notice or explanation. 
2.The unprofessional and disrespectful conduct of Chase Banks representatives.

3.The significant inconvenience, financial distress, and emotional pain and suffering caused by the account closure while I was overseas due to Chase Banks sudden change of heart based on no apparent reason. 
I trust that the CFPB will handle this matter with the urgency and seriousness it deserves. Please find attached copies of all relevant correspondence and documentation pertaining to this issue. 
Thank you for your attention to this matter. I look forward to your prompt response and resolution. 
Sincerely, XXXX XXXX Cell XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2022-11-22
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. (NY)

I have a account with Equifax clearly they no that my name is XXXX XXXX But they constantly change it back to XXXX XXXX that is incorrect never have i used or used that name or alias. The also have blocked me from disputing this. Incorrect reporting
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-18
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: CITIBANK, N.A. (GA)

I did a balance transfer from one account into the XXXX  card knowing that there was 0 % APR for 21 months, no annual fees, no late fees, and no penalty rate. Additionally, I read through the terms and conditions and there are no mention of penalties for carrying a balance but received a penalty on my credit report. I have reached out to Citi Bank multiple times to provide me with specific documentation stating that I'll be penalized for carrying a balance, I was never given this information.
Consumer complaint received 2023-02-20
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: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$36000.00} XXXX XX/XX/XXXX
Consumer complaint received 2023-02-17
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: Experian Information Solutions Inc. (CA)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX Balance : {$5600.00} XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$2900.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance XXXX {$1500.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2017-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX   XXXX     2017, My  mortgage company I am working with, sent over a rescore of my credit after paying off all my credit cards.      XXXX   XXXX ,    2017, m y report came back that my current, credit cards were updated with a  XXXX  balance but at this point when  XXXX   XXXX  updated my account to a  XXXX  balance ( I was not behind before this ) they put on my credit report that I was 60 day delinquent. Which stopped my mortgage process and I lost my chances at the house I was about to put a contract  XXXX .     I contacted back my mortgage company and she stated that I had to contact the CC company directly to ask them to up date the process. I went through an emergency   XXXX   XXXX   so I was n't able to call right away.      XXXX   XXXX  contacted  XXXX   XXXX  to open an investigation for incorrectly posting to my credit report that I was 60 days behind. The cust service woman who spoke with me told me that it would take  10 business days for the investigation to be completed.       XXXX   XXXX  I called  XXXX   XXXX  back as I had not received a letter or call back. The woman who answered the phone stated it would ta ke 60+  days for the investigation and that I would just need to wait. I was transferred to a Sup,  XXXX , and he stated that he would check on my dispute. However, nothing has been done with the dispute. He stated that he would be escalated it higher. However this will still not be completed in time as he stated it would still be  60-90  days before my credit report.     In the mean time my application for my first home will have been declined due to  XXXX   XXXX  negligence. I am a single mother and need a safe clean place to live. I need this resolved immediately.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2017-05-16
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MA)

We were put into a loan model payment plan for 3 months, after paying the last payment my husband was fired wrongful and we could n't make payment which took us out of the loan modification. We won the case with unemployment but it took nine weeks to get any money due. We have hired a lawyer for the wrongful firing of his job but we are in foreclosure because we had no income for my husband, he was also hospitalized for a month during this time.we have tried everything, working a hu d specialist but Wells Fargo will not w ork with us. Please help us keep our home.My husband has a good job and I 'm still working at my current job, we can make the mortgage aymentsvand want to remain in our home. Thanks  XXXX  and  XXXX   XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital  one  has closed my accounts for ungiven reasons. I still have a balance of {$440.00} in one checking account ending  XXXX  and {$520.00} in another savings account ending  XXXX . I was told by their agent that they wont release those funds to me, and I will have to contact the bank of those incoming fund to reverse the fund.That will be impossible for me to do. I dont understand why capital  one  cant release those fund to me after the accounts were closed by them.
Consumer complaint received 2023-02-20
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: Experian Information Solutions Inc. (FL)

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.
Consumer complaint received 2024-04-18
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: BARCLAYS BANK DELAWARE (IL)

Subject : Notice Of Dispute - To Whom it May Concern, I am writing to express my extreme dissatisfaction and concern regarding the manner in which you have handled the reporting of the account BRCLYOLDNAVY XXXX on my credit report. It has come to my attention that there are multiple blatant violations of the Fair Credit Reporting Act ( FCRA ) in connection with this account, and I am demanding immediate action to rectify this matter. 

Specifically, I am formally requesting a full debt validation, which must include the following information : Original Contract : Provide a complete copy of the original contract between the alleged creditor and myself pertaining to the account BRCLYOLDNAVY XXXXXXXX. 

XXXX XXXX : Clearly state the name and contact information of the original creditor associated with this account. 

Original Open Date : Provide the precise date on which the account BRCLYOLDNAVY XXXXXXXX was originally established. 

Date of Last Payment : Specify the exact date of the last payment made in relation to this account. 

Date Account Was Closed : Indicate the date on which the account BRCLYOLDNAVY XXXXXXXX was officially closed. 

I am well aware of my rights under the FCRA, and it is evident that your company has failed to adhere to its obligations in ensuring the accuracy and validity of the information it reports. I insist on a prompt response and resolution to this matter.

Failure to comply with this request within 15 from the date of this letter will leave me with no alternative but to pursue legal action to enforce my rights under the FCRA. Please consider this a formal notice of my intention to do so.

I expect a timely response, along with the requested documentation, to be sent to the CFPB Portal for prompt access. Additionally, please ensure that any corrections made to my credit report are promptly reflected.
Consumer complaint received 2024-04-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

Multiple unauthorized transactions were made to my XXXX account, and I never authorized them, which led me to email XXXX to only get no response from them. I screnched every conversation to show Chase, but Chase was unable to side with me and change my claims and refill them.
Consumer complaint received 2023-02-20
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: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX Is reporting a debt to my credit report. I have no such debt. I never had an account with this company. I have no records of and signed contract or given this company any of my information. This account is fraudulent any or miss reporting of information
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have tried to get this account removed in the past using the Fair Credit Reporting Act laws and it has been a true nightmare to deal with XXXX XXXX. 

First off, I requested a form of 1099-c which is a cancelation of debt about 3-4 years ago, to which I was told by them that they can not hand that to me till 7 years after the account was charged off. I don't know if this information is true but with the way things are going, seems like I will never get said form. 

XXXX XXXX is also reporting inaccurate and invalid information on my credit report as of XX/XX/XXXX which includes the date of the last activity and the date of the last payment on my credit report across the three credit bureaus XXXX, Equifax and XXXX, thus damaging my creditworthiness. 

Furthermore, XXXX XXXX is also reporting a payment history as of XX/XX/XXXX, which is long after the account has been charged off. 

There is more inaccurate and invalid data being provided to the credit bureaus by XXXX XXXX as well, like the reporting of this account as 'open ' even though it was charged off in XXXX. 

Under the Fair Credit Reporting Act laws, XXXX XXXX has been violating so many regulations which are grounds for the removal of this account from the Credit Bureaus. 

The statute of limitations in the state of California is seven ( 7 ) years ; according to The Fair Credit Reporting Act, this account should have already been removed from my credit profile. However, due to the illegal and unethical reporting from XXXX XXXX, this account remains on my credit report even after 7 years and will continue to remain because they have reported a payment history as of XX/XX/XXXX, therefore restarting the statute of limitations that applies to me through my state of residence ; California. 

Please understand my frustration as I have been trying to clean up my credit profile for my sake and the sake of my family.
Consumer complaint received 2022-11-21
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: MoneyLion Inc. (CA)

On XX/XX/22 I received email from MoneyLion saying that I am late on making loan payments and must pay {$360.00} by XX/XX/22 or the account would be sold. I am not sure if that means to a debt collector or I will be taken to court. I tried calling them several times and even submitted a dispute on XXXX XXXX a month before because I had seen this account on my credit report and reported it as fraudulent. I do not know who opened this account but it was not me and Im questioned how a loan was taken out without verification of photo license or other means to secure accurate identification.
Consumer complaint received 2022-11-18
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. (CA)

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 Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX has violated my rights.

15 U.S.C16 Section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section A Section 2 : it also states a Consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-04
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. (SC)

Experian As Defined by The IRS account : XXXX XXXX Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says you XXXX company are a furnisher of information to a consumer reporting agency. 

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.