davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

With out notice J.P. Morgan Chase restricted my account by my debit card Tuesday XX/XX/2019. On Thursday XX/XX/2019 I went into A branch after being advised by a customer service representative that my account would actually be closed. I went into the branch to see how I can remove the funds that are in there currently in as well as if my direct deposit from my place of employment would be returned. The bank associate and the customer service representative assured me that the funds would Post but they may take an additional business day. That Saturday I attempted to go inside of a branch yet again to retrieve my funds that actually did post on Friday, XX/XX/2019. Upon looking at my account I realize that the funds have been reversed and no longer were present on my current statement. Ive been called and I was told that it may take two business day stating Tuesday, XX/XX/XXXX would be the date that my funds would be available to withdraw from a bank teller only. Now, Chase is informing me that I will be mailed a check into the three business days to recover the funds that are owed to me and left in my account currently. Unfortunately, This has put me in an additional financial bind do two fees from late rent late car payments, etc. I am not being a short or giving written notice that these things will actually occur so that I have peace of mind in fact Chase has handled my situation grossly I even had a bank teller inform me that my account looks suspicious after giving me a suspicious look myself. Although I know that Chase reserves the right to close my account at any time I do believe that their protocol has been in the past to give notice in the form of a written document. I am not being a shored or giving written notice that these things will actually occur so that I have peace of mind in fact Chase has handled my situation grossly I even had a bank teller inform me that my account looks suspicious after giving me a suspicious look myself. Although I know that Chase reserves the right to close my account at any time I do believe that their protocol has been in the past to give notice in the form of a written document. This situation is truly affecting my livelihood and they dont seem to want to deal with Me professionally. Thank you
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MN)

I was notified by XXXX that my information was compromised. I noticed that old addresses are being used as current, different name spellings, different birthdays and many unknown inquiries have been made. 

I should not have any inquiries except from XXXX XXXX XXXX XXXX. I have not applied for credit any where else. 

Please make sure XXXX XXXX XXXX  has deleted the XXXX XXXX account.. deleted as agreed. 

XXXX XXXX account -XXXX XXXX {$100.00} Delete as agreeed. 

I really dont feel like my credit report is a true reflection of my credit please make all the necessary corrections.
Consumer complaint received 2022-12-18
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

XXXX of the bureau had removed due to creditor made the agreement to remove from my file but been submitting XXXX and XXXX due to factual error from their ends but they keep updating without any procedures. These XXXX accounts made settlements for removal after XXXX XXXX  verbally but never kept their words. Every XXXX I sent a valid dispute but without proper documentation its updating/remains from their end.
Consumer complaint received 2023-02-07
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. (OK)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and informaation listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX 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 XXXXXXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-18
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. (IL)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In accordance with Fair Credit Report Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C. 1681 Section 602A states : I have a right to privacy 15 U.S.C. 1681 Section 604A Section 2. It states that a consumer reporting agency can not furnish an account without written instructions
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: Experian Information Solutions Inc. (FL)

I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score that I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. 
XXXX XXXX XXXX Account numberXXXX  Account XXXX XXXX XXXX XXXX XXXX Account numberXXXX Account typeUnsecured Responsibility Individual
Consumer complaint received 2022-04-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

I have been working as XXXX XXXX  with Department XXXX XXXX in The XXXX XXXX XXXX in XXXX CA, I have been terminated from my job on XX/XX/2022. When I contacted the XXXX XXXX I told them I want to early terminate my car lease and I want to do so without any penalty as I was in Service as XXXX Civilian. The XXXX company said that I am not covered by this law because I am XXXX Civilian and not considered in XXXX XXXX but I can return my car to the dealer and they take care of the rest and I dont have to worry. Recently the Company sent me a statement that I owe them {$13000.00} as early termination fee. 
1 ) The company never mentioned to me that if I returned my car to the dealer, I will be liable for any amount 2 ) I returned the car in perfect shape abd only had 1800 miles on it 3 ) the dealer himself want to buy the car from me and paid {$21000.00} but I didnt accept as I preferred to return the car to the company 4 ) The value of the car provided from the company is far away from the real value of the car and therefore the amount of XXXX is far away from the reality of the car value. 
5 ) I lost my job as I mentioned earlier and I am unable to pay anything to the company and I consider the value of the returned car should cover all the expenses and I shouldnt owe the company even a {$1.00}. 
6 ) As a previous civilian XXXX I should be protected by the same legislation that protect those in XXXX XXXX 7 ) In my actual situation I am unable to pay anything to the company anyway and as I mentioned earlier the perfect condition of the returned car should cover any additional payment.
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY (TX)

I don't have exact dates because I am now permanently locked out of my account with Bluebird American Express. I filed a claim back in XX/XX/2023 for a charge that was fraudulent. A week or two later I received a letter saying I violated a certain policy or procedure and my account is permanently closed. I called in to see what happened and no one could tell me over the phone what was going on with my account. I was told to write in to their Compliance Department and they will explained what happened, I have written twice and nothing received anything in return. I called twice to escalate this issue with Supervisors and they advised they don't have any information regarding my account anymore, and if I want help I have to write a 3rd time to their Compliance Department that doesn't respond to customer. When I looked up their reviews I see many others impacted by this same action with this company. I have two Merchants I still have to dispute on my account but I can't do anything because I can no longer log into my account. Another thing, when I filed my dispute they kept sending me emails with the wrong dispute amount every time I was updated. Please help
Consumer complaint received 2022-04-16
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. (NY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-12-19
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. (CA)

I have a bankruptcy reported on my credit report. I have contacted all XXXX bureaus and let them know that this is my fathers bankruptcy. XXXX removed the account, however experian and XXXX verified this account was mine. I have explained to them that me and my father have the same name and address. They refuse to remove it. If you look at my credit report, i have no items included in the bankruptcy, which is impossible if it was really my bankruptcy.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2022-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

Greetings, i have been a victim of identity theft and have asked creditor to proof that it was my debt, and they have not, i have disputed it with bureaus many of times, please remove collection items and block them. 



Concerning XXXX  student loans i was told by agent, that she would have them removed since they were paid in full and its showing as paid collection, these accounts are reporting falsely and is waiting my character.
Consumer complaint received 2022-03-15
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. (MI)

It's been so agitating waiting for Equifax 's feedback to my previous complaints about getting some incorrect stuff in my report. All the inquiries that are reported were truly unfamiliar and unauthorized. I have been sending you written requests to get rid of these inquiries but you have failed to do it or at least notify me about the status of my requests. Below are the unfamiliar inquiries I am disputing. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-03-15
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (CA)

After previously requesting that XXXX XXXX not call me and to use email as the preferred communication method, they ignored my request and continue to call multiple times throughout the day. In addition to ignoring my request to be contacted via email only, they contacted a family member via phone, notified them of the debt they were trying to collect, and tried to ascertain additional contact information. The phone call to my family member was received on XX/XX/22 on/around XXXX.
Consumer complaint received 2022-04-16
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. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

My name is XXXX XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS INQUIRIES and BANKRUPTCY from my credit report immediately.
Consumer complaint received 2024-04-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

Resurgent Capital Services L.P . Compliance Department XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, SC XXXX Subject : Request for Debt Validation Account Number : XXXX Reference Number : XXXX Dear Sirs/Madams, I am writing in response to your letter dated XX/XX/XXXX, regarding the referenced the above account owned by LVNV Funding LLC and serviced by Resurgent Capital Services L.P . I appreciate the information provided in your letter ; however, I have some concerns regarding the validity of the debt. As a consumer, I have the right to request validation of the debt in question. I kindly request that you provide me with the following information to validate the debt : Verification of the original creditor, XXXX XXXX XXXX, XXXX. Proof of ownership rights acquired by the Current Owner, LVNV Funding LLC. Documentation showing the complete payment history of the Account, including the last payment received on XX/XX/XXXX, and the subsequent charge-off on XX/XX/XXXX. Detailed breakdown of the current Account balance of {$690.00}, including any fees or interest charges applied. Confirmation of compliance with state and federal laws and regulations concerning the collection of debts. I understand that Resurgent Capital Services L.P. is responsible for servicing the Account on behalf of LVNV Funding LLC. Therefore, I kindly request that you provide the requested information within 30 days from the date of this letter, as required by the Fair Debt Collection Practices Act ( FDCPA ). Please note that until the requested information is provided and the debt is validated, I expect all collection activities, including reporting to credit bureaus, to cease. In accordance with the Fair Credit Reporting Act, I also request that you update the Current Owner 's tradeline for this Account to disputed during the next reporting cycle. I look forward to receiving the requested information and resolving this matter promptly. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2022-03-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NY)

Opened a checking acct with Santander Bank online. No requirements to appear in person as this was an online account opened to all. The acct had a bonus of XXXX if you met the requirements. Opened about XX/XX/XXXX. Bank asked for DL/DOB and public identity questions. 
All was fine until last week. I made direct deposits, paid bills via bill pay, and no problems. I tried to pay a bill last week ( XX/XX/XXXX and could not sign on. ) I got a message to call the banks. From XX/XX/XXXX XXXX, all was fine. I called the bank and was on hold for 20 minutes. After asking me my identity questions, Rep told me I have to appear at a branch in person in order for them to reopen my acct. Problem # 1, no requirement when opening online to open in person..2 ) the closest branch is 60 miles from my home, 3 ) My husband is XXXX and I will not travel, I do not drive and I will not take a XXXXXXXX XXXX for 60 miles to XXXX during Covid. 4 ) Im XXXX years old and refuse to waste a day even if I could travel. There was no requirement to open in person or I would never have this acct. rep told me my acct is locked. I have no access to my funds. I have about XXXX in this acct. They stole my money from me. I have no way to GET MY FUNDS. Please help. The Rep on the phone was quite nasty to me even though she knew my age. I live on Social Security and have a small pension. I need my money NOW, or I can not afford to pay my bills!!!
Consumer complaint received 2022-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

Requested Loan modification XX/XX/XXXX from XXXX XXXX XXXXXXXX XXXX takes application, asks questions, does not issue Loan modification after 8 months of back n forth information trade, XXXX Transfer Servicing to Shell point Mortgage. 

XX/XX/XXXX - Transfer Loan to Shell Point Mortgage XXXX XX/XX/XXXX - Loan Mod is executed terms agreed to include past payments, back interest, and Taxes / Insurance. 
XX/XX/XXXX - first payment made by home owners XX/XX/XXXX till XXXX - All payments made on time XX/XX/XXXX - Shell point does an escrow review and finds an {$10000.00} deficiency, increase monthly payment by {$900.00} on top of agreed upon modification amount, demands payment start XX/XX/XXXX. 
XX/XX/XXXX - Homeowners challenge Shellpoint to show proof of loan mod terms and why is there any deficiency, since mod would include any back payments amounts, interest and taxes. 

NO solid information provided to substantiate Shell point claims other then standard run around and threating us with legal actions from XXXXhell Point. 

We believe XXXXhell Point has Violated the Real Estate Settlement Procedures Act ( RESPA ) and we seek assistance in dealing with this predatory lender / servicer
Consumer complaint received 2022-03-15
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. (MN)

On XX/XX/2022, I received a credit alert from Experian Credit Reporting that XXXX reported a new student loan onto my credit file. That same day I also received a credit alert from Experian that XXXX also reported that this same student loan 's previous " credit limit '' was {$10000.00} however the " credit limit '' was " reduced '' to {$4100.00}. Due to the incorrect information being reported by Aidvantage ( reported this student loan account as having a credit limit ), this decreased my credit score with Experian substantially, by almost 20 points when the " credit limit '' was " reduced. '' A telephone number was provided on my credit file for Aidvantage ( XXXX ). When I called this number, an automated system let me know that this number was to verify employment with federal workers. Not only had XXXX incorrectly reported information on my credit file ( reported a student loan with a credit limit ), it also lists an incorrect telephone number to get a hold of this student loan servicer. I then looked up XXXX 's telephone number online and spoke to several reps, including a manager who hung on on me. The reps told me to send in a written dispute, however, did not give me any information as to where it should be sent. They also refused to give me their credit reporting department 's telephone number.
Consumer complaint received 2022-03-15
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: Synerprise Consulting Services, Inc. (TX)

I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection ( SYNERPRISE CONSULTING ). The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureau to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well. Doesn't this go against the FCRA Laws?