davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (OH)

The company I am disputing is Upgrade credit card. I applied for the hardship program with them due to Covid-19 and they still reported 2 late payments ; one on XX/XX/XXXX as 30 days past due and one on XX/XX/XXXX as 60 days late. This is inaccurate as the hardship program protected me against this happening. My account is paid up to date and these late payments need to be removed from my credit report immediately as this is affecting my credit score greatly and the information is not accurate.
Consumer complaint received 2019-06-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

~I am a victim of identity theft. A forensic audit shows an identity thief used my personal information without permission to create mutual fund investment account securities violating the Privacy Act 1974. 
I have enclosed : 1 ) proof of my dispute letter to Rushmore Loan Management Services, LLC. 2 ) My Federal Trade Commission Identity Theft Report. 3 ) A copy attached the police report case # XXXX I filed with the XXXX Police department. In accordance with the Fair Debt Collection Practices Act, I am asking you to immediately stop all collection activities about this debt, ALL TRUSTEE SALES, including reports to credit reporting agencies. I also ask that you tell the business where the account was opened that this debt is the result of identity theft and to stop and correct. 
Stop and Correct ~ : Title~42 : USCS~1986 Knowledge and Stop-Correct-Wrong.
Consumer complaint received 2021-12-06
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)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2018-12-13
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: SYNCHRONY FINANCIAL (FL)

Syncb/Walmart  XX/XX/XXXX opened-XX/XX/XXXX closed XXXX $ I have called numerous times and reported that this is not my account and has been opened by someone else and nothing has happened.
Consumer complaint received 2023-03-10
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: Resurgent Capital Services L.P. (OK)

In Looking at my credit report I notice that it is showing several late payments. These companies that are reporting late payments and do not have written consent to report this on my credit report according to 15 USC 1681b. Please have this corrected and removed from my credit report.
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY (MA)

XXXX  XXXX a credit XXXX  service and myself have requested to remove all negative trademarks on my account, instead American express sends me all my account statements for the past few years, this is not what I requested, I am on a payment plan with American express and this should be shown, in account rating it states derogatory I want that removed on all 3 credit bureaus and account rating state paid.
Consumer complaint received 2019-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AZ)

Repeated calls from Convergent Outsourcing telling us to call them at XXXX XXXX XXXX. This company is a scam artist known for trying to collect false debts. I refuse to answer and am tired of the repeated messages left on my answering machine.
Consumer complaint received 2018-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (FL)

I tried to use my Citibank Prestige Card to make a purchase of a firearm at my local gun shop ; a place I have made several purchases with this card over the last 10 years. For some reason the Citi Bank Card continued to be denied. I have a {$35000.00} credit limit of which a balance of {$500.00} was on the card. I called Citibank and they said they see know problem with my card and it should be working properly. So once again I try to run the card and it is denied. So sick of dealing with it and to confirm the stores merchant equipment was not malfunctioning I used my American Express for the purchase and it promptly went through and was approved. On way home I stopped to get fuel in my car. Just to test I use the Citi Bank Card that was being denied at the gun shop and to my surprise the card promptly went through with no issues at the Gas Station. I cant help to wonder that my attempted purchase of a firearm at a gun store with my Citi Card and subsequent denial, is in not some way related to two recent releases from XXXX  XXXX XXXX and Citi Bank saying they may choose not to do business with manufactures or retail stores that sell firearms. Obviously a direct infringement on my 2A right, as well as trying to prevent me from engaging in a transaction that is completely legal on both sides of transactions. This to me seems way to much of a coincidence, and merits an investigation. XXXX walls are thin at banks and now I maybe tracked ( which in itself seems to fall in a very grey area of the law ) as a gun owner by the bank ( a bank that has took it upon itself to set social policy and discriminate against law abiding firearms owners ) which may effect any credit I may apply for in the future ie mortgage, auto loan, etc. Scarier so is there ability to share/leak my personal info to other like minded financial institutions and businesses. Essentially cutting off my ability to buy and sell goods in the free market all because I have been labeled a gun owner ; something that is not only legal but is an inalienable right as a citizen of the United States. I think these matters need to be looked into and scrutinized very harshly, along with the thousands of others that will be reporting a complaint similar in nature by both merchants and customers. The CFPB must as a government agency funded by the people to protect the people from unfair and abusive business practices like I have experienced. Must move quickly and harshly to stamp out this type of political discrimination against the citizens of this country, before it has a chance to take a foothold making it that much harder to backtrack these discriminatory practices.
Consumer complaint received 2022-07-22
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX - XXXX l has violated my rights. Under 15 U.S.C 1692 b ( 2 ) ; Under 15 U.S.C 1692 b ( 5 ) and Under 15 U.S.C 1692 c ( a ). Also 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.

Experian Credit bureau is currently reporting inaccurate information on my report such as multiple inaccurate names and addresses that are not mine, account status shows Date Opened is inaccurate, Date of Last Activity is inaccurate, missing data and a Charge-off reporting a balance. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Experian is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion. 
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. '' 1. Please DELETE inaccurate or fraudulent names off my credit report below XXXX XXXX 2. I have been a homeowner for over 20 years. Please remove all incorrect or fraudulent ( X ) addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate
Consumer complaint received 2022-03-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

I berly open a wells Fargo bank account and now they want to closed down my bank account by XX/XX/2022 because early warning consumer reports but I berly deposit a check from a worker 's compensation check for XXXX $ and want to know how will I get my money back or my check back please help me my full name is XXXX XXXX XXXX my social security number is XXXX am not sure why I keep getting denied for a bank account and wells Fargo approved me for a account and then decided to close it down by XX/XX/2022
Consumer complaint received 2020-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (FL)

I applied for, and received, a Chase Sapphire Card ( the Card ) from J.P. Morgan Chase ( JPMC ), paid the {$95.00} annual fee, but never received any of the many benefits that JPMC promoted as essential features of the Card.

This is a breach of contract which, of course, does not fall within your jurisdiction, but it is a UDAAP. JPMC billed me {$95.00} in exchange for a raft of benefits and services that they did not provide and I did not receive. It is a fraud. 

In XX/XX/2019, I applied for the Card. In so doing, I agreed to pay the {$95.00} annual fee associated with the Card, but solely because of the manifold benefits that accompanied the Card and widely advertised by JPMC. This quid pro quo of a bounty of benefits was the sine qua non of my willingness to pay the {$95.00} annual fee. Absent these highly touted, and expensive benefits, I would not have been induced to apply for the Card.

In order to enjoy these many, many benefits, one needed to establish online access to the JPMC Card platform. Without this access, there was no way to avail and redeem the manifold benefits. As you can see from the several pieces of correspondence, which reflect my utter frustration, and despair, with JPMC, despite arduous, lengthy and repeated efforts on my part, JPMC failed to honor its part of the bargain to provide me the benefits of the Card. We all have any number of war stories as consumers confronting the inefficiencies of Corporate America, but in my own personal annals of interactions with corporate behemoths, this level of ineptitude and shoddy treatment ranks very high ) or low? ). No less than a dozen JPMC employees were unable, perhaps incapable, of solving a simple issue for a basic credit card customer. To be sure, I am not blaming any individual employee - - these employees may lack adequate training, are probably distracted by multi-tasking, and no doubt were stymied by inscrutable internal policies. But, the fact remains that this episode would be comical, if it were not both alarming and tragic. And, it is a UDAAP, in my view. JPMC effectively stole my {$95.00} - - I received none of the benefits and advantages that came in exchange for the fee. 

After approaching the half-year anniversary of this tawdry saga, without having received a single promised benefit, I concluded to terminate my contractual relationship with JPMC and assert my right to recoup the {$95.00} annual fee that JPMC had not earned. 

As you can see from the JPMC correspondence, they sent form letters blaming my telecom company which was demonstrably false. They had uninformed personnel call me, leave messages and then fail to timely return my calls. They offered solutions that did not work. Perhaps not a UDAAP in itself, but very poor customer service. 

Thank you.
Consumer complaint received 2023-03-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (WA)

Someone wrote a fraudulent check in my account for XXXX $ i inform after 5 days tha bank by phone and they promise me they will open an investigation After I didn't receive any action I call again XX/XX/2023 and they send me a letter that they will not credit back the fraudulent charges because the claim is reported after 30 days The claim number with Citibank is XXXX XXXX I need to credit back this money asap I was a loyal customer of Citibank for more than 20 years
Consumer complaint received 2022-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (PA)

In XX/XX/XXXX, we purchased two tickets through XXXX to travel to XXXX. Due to the pandemic, the flight was cancelled. These tickets were purchased using our XXXX XXXX credit card. In XX/XX/XXXX, XXXX stated they were crediting a refund for the tickets in the amount of XXXX due to the pandemic and to allow two billing cycles for the credit to show on our XXXX account. In XX/XX/XXXX, the credit still was not showing on our XXXX credit card account. We contacted XXXX who insisted the credit had been placed back into our account. We contacted XXXX who stated there was no credit on the account from XXXX. After numerous phone calls and emails to both XXXX and XXXX, XXXX forwarded a statement showing the refund was placed back on the Visa XXXX credit card # XXXX, However in XXXX of XXXX, XXXX changed the credit card from a Visa to a XXXX. Upon talking to the representative from XXXX, we were assured that the credit would be corrected and we would be contacted within XXXX hours, Three times this was promised and it never occurred. The only correspondence we received from XXXX stated they could not dispute the original charge for the tickets. We never disputed the price of the tickets that we paid in XXXX and did not have a problem with the original purchase. We wanted the credit that was issued in XXXX of XXXX. We have spoken to numerous persons at XXXX, the last person told us that we could not speak to anyone else and that they would get back to us in XXXX hours and that was on XX/XX/XXXX and the management was reviewing. XXXX XXXX XXXX  was contacted and XXXX did not respond to their inquiry.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: ID Analytics, Inc. (MO)

Sage Stream is a company that reports information to banks based when they trying to open a new account. They are reporting negative information on me that should not exist. I do not have any closed bank accounts and they will not respond to my requests for information.
Consumer complaint received 2017-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CIT BANK, NATIONAL ASSOCIATION (NY)

In XX/XX/XXXX the property was purchased for $ XXXX and inXX/XX/XXXX a $ XXXX HELOC was taken out. As you already know, the original purchase was financed by two simultaneous mortgages for $ XXXX and $ XXXX totaling $ XXXX, but when the $ XXXX and $ XXXX were consolidated ( see Exhibit 1 ), evidently the $ XXXX was confused with the HELOC and left off ( see Exhibit 2, page 11 of title report ). Also, among other errors, $ XXXX in closing costs was apparently mistakenly entered as $ XXXX ( see Exhibits 1-4 ). If you resolve this soon we wo n't sue you. A sale of the property is collapsing, as we have previously told you.
Consumer complaint received 2018-05-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (MD)

Seterus Inc. Is the servicer of my mortgage. I was late one payment but i caught up. They are trying to say i owe 2 months and late fees and im behind 3 minths on my mortgage. I called and spoke with a representative by the name of XXXX who said it was an error and i would get a corrected statement. Never recieved it. They sent loan modification papers via fedex why. Im not behind. Called again spoke to XXXX XXXX stated that sorry was an error would get a stated showing corrected amount by XX/XX/XXXX. Never happened asked to speak with a supervisor was never given the opportunity but said supervisor XXXX XXXX would contact me never happen. But i recieved an intent to forclose on XX/XX/XXXX. Why my payments are up to date. Please help!!!!!!!!!!!!
Consumer complaint received 2021-11-09
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)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports and need to delete immediately : XXXX XXXXBalance {$0.00} XXXXBalance {$3000.00} XXXX-Balance {$350.00} XXXX-Balance {$12000.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX-Balance {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) -XXXX****-Balance {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX-Balance {$1400.00} XXXX XXXXXXXX-Balance {$190.00}
Consumer complaint received 2023-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (KY)

I received an email from my bank that a phone number was removed from my checking account. And there was a new phone number added instead, giving them access to transfer funds out of my account through XXXX which my bank uses. 
I didnt authorize any of these things. 


This is the person or persons who were trying to hack my account, this is their phone number that was added : XXXX
Consumer complaint received 2022-07-22
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: SYNCHRONY FINANCIAL (CA)

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

15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish an account without a written consent.
Consumer complaint received 2022-03-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was wrongfully had my account closed on XX/XX/2022 by the fraud department of Bank of America. The female personnel of the Fraud department asked me a question harshly and rudely. I was the victim of a fraud who deposited three separate transactions equal to {$890.00}. I received a phone call from this fraud and I really thought it was legit. He send me a website in my cell phone and I opened it up, there was the actual form which I filled. I thought this form was actually legit. Then he called again and send this money in three separate transactions which came to a total of {$890.00}. This fraud stated not to touch the {$890.00} from my checking account. Then this fraud wanted me to go to XXXX and give him a call. I told him I was not feeling well, but then I thought about this process overnight and did not feel right about it. I called the real XXXX XXXX company and found out this man was a fraud. The loan was actually has been denied. But I was having issues with Bank of America online bankers not stopping the four lenders and all the money was taken including the {$890.00}. I received a negative balance. I told them to stop the allotment a week prior. The Bank of America online bankers did not credit me from XXXX XXXX for {$480.00} and then the second creditor which the online bankers failed to stopped is XXXX XXXX XXXX was taken the amount {$550.00}. That is the total of {$1000.00}. I had four lenders added to my XXXX XXXX ( Consolidated Debt Program ). When I attempt to call for the third time the woman from the fraud department called me rudely and boldly without trying to find out what really happened at my end. She harshly closed my account. I knew that there were communication between the online bankers and the fraud department. I am currently hurting financially because I do not have access to my funds from Bank of America. I was treated unfairly and I am truly am the victim. I had to call everybody from the Lease manager, utilities, insurance, etc. that was effected by this closure. The branch of Bank of America is in the process of trying to help me status with the status of my funds that was left in my account.
Consumer complaint received 2020-07-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (TX)

Westlake Service INC reported me as a joint signer on an auto loan which was reported as opened on XXXX/2020. The loan amount reflects XXXX with a scheduled payment of {$420.00} this loan does not belong to me nor have I co signed on any loan.
Consumer complaint received 2022-03-01
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (TN)

I received in the mail, that I have recently applied to open an deposit account with Wells Fargo. However, they were not successful in opening the account, and sent the letter by mail to inform me. 

I have not recently tried to open any accounts regarding any new banks, and I will like to put an consumer alert on my account, preventing others from opening any new accounts at the moment.
Consumer complaint received 2022-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I contacted this company Portfolio Recov Assc to provide me with a signed contract to validate their claim no one ever responded. I sent out a letter on XX/XX/2022 I ended up sending another letter on XX/XX/2022 Certified mail. I have all my documents!!!
Consumer complaint received 2018-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LendUp Loans LLC (TN)

I had a loan with XXXX and paid it in full on XX/XX/2018. It is still on my credit report as owing a balance and late. I need it to show as Paid off with a {$0.00} balance. I am trying to fix and build my credit and this is harming me.