davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (GA)

I am a new Chase Sapphire XXXX XXXX. During a customer service call before I received my card, the rep said I had an existing account. I did not believe this was accurate. They told me not to worry since it was already closed. I didn't like this response. Once I was able to access the account online, the closed XXXX card appears in my account. I still don't recognize it. I disputed the account with all credit reporting agencies. 
Today, I went to use the Sapphire card to purchase travel through the Chase XXXX portal. I happen to look at my profile and it shows my maiden name, which is associated with the XXXX account. I called Chase XXXX. He confirmed that had I booked the flight, it would have been in my maiden name. This would have been an awful travel experience. Chase XXXX transferred me to Chase XXXX XXXX. At first, the rep told me that I had to send name change documents. After I protested, they transferred me to a supervisor. The supervisor was told my name was wrong on my replacement card. I told her my card was correct but it was wrong on the travel portal. First she said it would take 14 days, then she needed some time to resolve it over the phone. She came back to say she ordered a replacement. I don't know why. I don't want a replacement. Then she wanted me to go through some other verification. She said to correct the travel portal but I don't know why I would need to verify my identity since I am an existing customer and the internal systems are out of sync. I refused. I am very frustrated and don't want to do any more work to be a customer. This is a horrible customer experience.
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (LA)

According to my understanding of the Fair Credit Reporting Act ( FCRA ) and the bankruptcy reporting process, it has come to my attention that bankruptcy courts do not directly report bankruptcy filings to credit reporting agencies. 

As a diligent consumer, I have taken the necessary steps to review my credit report, and I was surprised to find a bankruptcy entry listed on it. I have thoroughly researched the bankruptcy reporting process and found that it is the responsibility of creditors, not the bankruptcy courts, to report bankruptcy information to credit reporting agencies. The bankruptcy courts themselves do not provide such information directly to credit reporting agencies. 

Given this information, I kindly request that you investigate the validity of the bankruptcy entry on my consumer report and provide a detailed explanation of its source. If the source is a bankruptcy court, I would appreciate evidence of the court 's reporting to credit reporting agencies, as this would be contrary to my understanding of the process.
Consumer complaint received 2022-06-05
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. (MI)

I have not received statements for XXXX to-date. There has been an on-going billing error issue since on or around XX/XX/XXXX. At this point XXXX XXXX ' system shows no statements have ever been generated for XXXX, and they have failed to conduct a proper billing error investigation since it was initially filed in XXXX. The collection agency assigned to handle the outsanding amounts returned the account to XXXX XXXX due to violations as summarized in the attached documentaion. At present, XXXX XXXX ' system alleges a payment is past-due by thirty ( 30 ) days in XXXX, and possibly now sixty ( 60 ) days since another alleged payment was due XXXX XX/XX/XXXX. See attached for full complaint.
Consumer complaint received 2022-12-19
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. (NC)

In accordance with the Fair Credit Reporting Act XXXX  Acct # : 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 an account without my written instructions.
Consumer complaint received 2017-06-07
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc. (TX)

XXXX /2017 : filed a complaint with CFPB  XXXX /2017 : ProCollect is contacting me directly at my personal number. I provided proof that I do not owe the debt  XXXX /2017 directly to ProCollect. ProCollect should  be contacting me through my attorney but are instead harassing me at my personal number and claiming I gave fake information for my Attorney.
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have not received statements for XXXX to-date. There has been an on-going billing error issue since on or around XX/XX/XXXX. At this point XXXX XXXX ' system shows no statements have ever been generated for XXXX, and they have failed to conduct a proper billing error investigation since it was initially filed in XXXX. The collection agency assigned to handle the outsanding amounts returned the account to XXXX XXXX due to violations as summarized in the attached documentaion. At present, XXXX XXXX ' system alleges a payment is past-due by thirty ( 30 ) days in XXXX, and possibly now sixty ( 60 ) days since another alleged payment was due XXXX XX/XX/XXXX. See attached for full complaint.
Consumer complaint received 2022-06-05
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)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-05
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 XXXX 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 2022-06-05
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 2024-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Onity Group Inc. (MD)

On XX/XX/XXXX I requested that PHH Mortgage Service de-escrow my account due to financial hardship and my desire to pay my taxes later in the year when due on my own, coupled with the fact that they keep increasing my mortgage amount each year due to the amount they keep in escrow. On the XX/XX/XXXX I followed up with a call and was told that my request was denied because they have calculated my LTV to be 136 % because they use " the original '' value of the house versus the appraised value of the house. I was flabbergasted as I have never heard of that before. I owe approximately {$240000.00} and my home 's appraised value according to PHH 's website is {$490000.00} which would make my LTV is 50 %. I was told by XXXX XXXX XXXX XXXX XXXX that PHH used a value of {$170000.00}. I am not sure where they got that number. That is not the number I pay taxes on. I have not paid PMI for decades, so if my LTV was 136 %, I would be required to pay PMI. I feel oppressed and discriminated against. I need help. I will be contacting my Congress person and 7 on Your Side. This is ridiculous and oppressive and wrong. They CAN NOT fore me to pay escrow. Please help me!
Consumer complaint received 2022-06-05
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 XXXXXXXX XXXX XXXX XXXXXXXX, 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 2024-04-03
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO. (NV)

On XX/XX/XXXX my mom and sister went to do a wire transfer to Chase Bank was there an hour and my XXXX XXXX XXXX had to sign multiple papers, sister said should have money in XXXX hours, never arrived. Called customer service she said it was rejected because my type of account doesn't allow wire transfer no where on Chases website can you read that. After I complained the girl said, '' it is what it is ''. On XX/XX/XXXX received a cashier 's check from XXXX XXXX  XXXX NY for {$25000.00} from my mother to replace my car totaled in accident. Deposited the check at Chase Bank, teller stated funds will be available on XX/XX/XXXX. I said wait this is a cashier 's check guaranteed, I understand it's a large amount. He said once the hold is placed tomorrow call the verification center. XXXX called spoke with XXXX she called XXXX XXXX  and spoke with XXXX XXXX who issued the check she told her client came to bank on XX/XX/XXXX purchased cashier 's check, check dated for XXXX and the check is good, XXXX gets back to me and tells me what she said but " your not getting your money today '' I went to closet branch to speak with manager, on vacation. Teller called to find me a manager no one available. Asked if he knew about EFAA he said no. Called verification center, same story she did say she sees the note check verified but issuing bank hasn't released funds, I asked for {$500.00} and if she knows about EFAA law, she did not. I said next day after deposit I should get {$200.00}, but I couldn't even get that. Called Chase headquarters I was told available date of XX/XX/XXXX stands, did she know about EFAA, no she said. Chase Bank has caused me financial hardship, i was going to buy a car today, had to cancel, called out of work didn't have enough for bus fare. Please look into this and maybe educate me more on cashier 's checks. Thank you
Consumer complaint received 2022-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions 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 Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have recently disputed an item I feel is inaccurate or does not belong to me. Some items are reporting as duplicate accounts and the credit bureaus refuse to investigate my account in dispute. XX/XX/XXXX with Experian, XX/XX/XXXX as well.
Consumer complaint received 2022-06-04
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. (AL)

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX 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 2023-05-23
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (MD)

I have been receiving several phone calls and mail from XXXX a collections agency representing TD Bank/Target Credit Card. They gave the account number XXXX. They told me I had until XX/XX/ to respond and dispute the amount of the said debt. The issue is this account is open and active. I have been making my monthly payments and was completely blown away that they would send my account to collections. The account has not fallen into a collections status since I open the account. My rights as a consumer are being violated because of whatever issue they have in their system. To place my account into collections has been disturbing me as I know that I have been making payments to them. I actually used the card just last month to make a purchase and made a payment this month, I have an available credit right now. The harassing phone calls and a letter stating I am in the collection on a current account are very unethical and wrong on their part. I have tried to contact the XXXX number on the letter only to be told that they were unable to talk to me and that my account had been transferred but would not tell me where was even more stressful.
Consumer complaint received 2022-09-29
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. (CA)

XXXX is a credit card that i am paying on but am not able to use anymore. I have been paying constantly on it and they seem to have payments going to wrongs account because they have missing past due. I can no longer make online payments therefore ha e been calling in payments. Past months they been refusing to take my regular payment and its now showing as 120 days delinquent and hurting my credit. I've tried numerous times to speak to a supervisor and been put on hold and hung up on. Called back and no supervisor or manager available. They have told me if I don't make a XXXX payment they will keep reporting me to the agency. XXXX XXXXXXXX XXXX XXXX have violated many laws. 
Section 605, Section 605A, Section 605B.
Consumer complaint received 2020-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

UNAUTHORIZED CREDIT INQUIRIES : XXXX Inquiry : XXXX XXXX, 2019 XXXX ( XXXX ) XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, 2019 Bank  ( XXXX ) XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, 2019 XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX  Inquiry : XXXX XXXX, 2019 XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 XXXX ( XXXX ) XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, 2019 Bank ( XXXX ) XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, 2019 XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Miscellaneous ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, 2019 Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2019 Miscellaneous ( XXXX ) XXXX FACTUAL DATA Inquiry : XXXX XXXX, 2019 Miscellaneous ( XXXX ) XXXX
Consumer complaint received 2020-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT.
Consumer complaint received 2019-11-26
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Since about XX/XX/XXXX Bank of America has not fixed the identity theft that occurred with stolen identity. Checking accounts and Savings accounts were established using an unverifiable fraudulent address to open the accounts online. Bank of America refuses to close the fraudulent account that resulted from identity theft in the form of a checking account. They advised me even though the debit card had been sent to a fraudulent address and that I did not authorize any accounts to be opened with the Bank and even provided them with an FTC Identity Theft Affidavit that was submitted the local police department, they do not wish to assist me and do not want to resolve the complaints. XXXX has recently notified me that the email address XXXX, was and is found on the dark web and was sold by identity thieves. Bank of America Allowed these accounts to be established using said email address. Additionally Bank of America has allowed a Travel Rewards credit card to be opened from the same thief. This was opened XX/XX/XXXX. I advised Bank of America I did not open this account nor authorize it to be opened. Bank of America did not clear my Extended Fraud alert, and refuses to investigate the Identity Theft, Instead they say that Established payments were established using the XXXX XXXX Account that I had XXXX XXXX close due to identity theft, and the Payments made to the Bank of America Account were revoked and or marked unauthorized. The balance on this fraudulent credit account is {$2100.00} Which is being reported to XXXX. I do not authorize you to continually report a fraudulent account on my credit report. Additionally, Bank of America changed the address on this actual account to my address. AGAIN unauthorized, I did not agree to allow the address on this fraudulent account to be placed as my current address. MY Mail had been forwarded at the time the account was established. This has not been resolved is still ongoing and Bank of America continues to cause me monetary loss. Additionally, they will not allow any checking or savings accounts to be established because of the Fraudulent accounts that they have internally. These accounts none of them were authorized. I do not have business with Bank of America nor a relationship with the Bank. Please see the attached FTC Affidavit which is sworn under perjury. Additionally the FTC Notice to Furnishers which requires you to complete an investigation.
Consumer complaint received 2022-06-04
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. (MD)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-04
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation (FL)

On XX/XX/XXXX I XXXX XXXX XXXX I was starting a new job on XXXX XXXX XXXX, I fell behind on payments due to XXXX mechanic issues I payed out of my pocket. On XX/XX/XXXX I made a payment of XXXX. XX/XX/XXXX a XXXX payment and XX/XX/XXXX XXXX payment all while being in communication that I will pay off the balance of XXXX as soon as possible I start a new job on XX/XX/XXXX and my first paycheck is the XXXX Also for the record I had not missed a payment prior to XXXX when XXXX XXXX XXXX XXXX. They have threatened to repossess my vehicle tomorrow XX/XX/XXXX and there's nothing I can do about it. Even though I was willing to pay XXXX today XX/XX/XXXX .And my remaining balance Wednesday XX/XX/XXXX XXXX am very upset because I have children and have to get to and from my work, it's been over XXXX dollars of payments I calculated it!! that have just went towards APR interest!!!! Unacceptable!!
Consumer complaint received 2022-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have noticed some incorrect addresses on my credit report that I never lived at. 
My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX