davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO. (ME)

My husband and I, and father, have attempted to track down and recover funds associated with a certificate of deposit ( CD ) that was purchased for me by my father from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio on XX/XX/XXXX. The amount of the CD at that time was {$3000.00}. It had an interest rate of 7 %, payable annually, and it was for a term of five years ( with a XX/XX/XXXX maturity date ). Importantly, it included the following : AUTOMATICALLY RENEWABLE FOR SAME TERM. 

We understand that the XXXX XXXXXXXX XXXX XXXX  XXXX XXXX of XXXX Ohio, became XXXX XXXX XXXX ( XXXX XXXX XXXX ) in XXXX. We also understand that, in XXXX XXXX XXXX XXXX merged with XXXX XXXX XXXX and was later acquired by ( merged with ) JP Morgan Chase in XXXX. After coming across the CD this summer in a safety deposit box, I telephoned JP Morgan Chase to determine what I needed to do to redeem the CD ( phoning twice in XXXX and AXX/XX/XXXX ). I even presented the CD at a JP Morgan Chase branch office in XXXX XXXX Maryland in mid XX/XX/XXXX. In addition, my father, who purchased the CD on my behalf, visited a branch office of JP Morgan Chase in XXXX, Ohio on XX/XX/XXXX to see if he could help. Shortly after my fathers XXXX visit, which resulted in no resolution, I filed a complaint with the U.S. Governments Office of the Comptroller of the Currency ( OCC, case number : XXXX ) onXX/XX/XXXX. In addition, on XX/XX/XXXX, I also filed a complaint with the Federal Deposit Insurance Corporation ( FDIC ). 

JP Morgan Chase has maintained that they are unable to determine what happened to my money and suggested, most recently in a XX/XX/XXXX letter referencing my OCC complaint, that we check with the State. Having done that on a number of occasions and having received emailed responses on XX/XX/XXXX and XX/XX/XXXX from the Ohio Department of Commerce 's Office of Unclaimed Funds, the State also has been unable locate my funds. We are frustrated and are seeking to determine what I should do next to recover my funds. JP Morgan Chase in aXX/XX/XXXX email to a researcher at the Ohio Office of Unclaimed Funds stated that their " Retention policies span 15 years and provided the given dates, the record is likely purged by now. '' The Ohio researcher suggested that we " find a contact at Chase that handles CDs that can research from the back end. '' We can not understand how a bank, which has used my money to make money ( i.e., via loans, acquisitions, etc. ), should not be obliged to return the funds to me ( with interest ) or to at least definitively inform me about where the funds went. Particularly given that the CD was to be renewed automatically until redeemed. I would like to know what I can do to compel JP Morgan Chase to adequately address this matter. If not, I would like to know what else I might do recover my money, which with interest, should now amount to more than {$23000.00}.
Consumer complaint received 2019-07-28
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)

My credit report had an account listed that are not mine..I disputed the accounts with the credit bureau as XXXX not mine '' but it recently came back as verified..I have never had an account with these companies..Please delete immediately before further harm is done.. This is not my account XXXX XXXX XXXX
Consumer complaint received 2019-07-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair ... I am requesting that send me all the details that led to your investigation on the accounts and take any appropriate regulatory action. It is important that we put an end to these types of deceptive information.. Delete the late payments reporting on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2022-08-25
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mr. Cooper Group Inc. (TX)

In the interest of my Name and Property, Nationstar Mortgage LLC, dba Right Path Servicing, Mr Cooper, Community XXXX XXXX formally XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and Authorized Rep XXXX XXXX attorney/debt collector. Have taken actions that are a violation of the FDCPA, FCRA. In relation to their collections practices of an alleged debt. The companies addressed here have violated the cease and desist notice sent their respective offices by registered mail that the debt is disputed and ordered to cease reporting misleading information on my consumer reports and communication with me unless they were to provide proof that a debt was valid and the law that relate to the alleged debt was not followed applicable in dealing with such a matter. By further mailing of statements and harassment letters from the attorney 's office listed above and unauthorized furnishings of transaction history and experiences between myself and the parties violates 1681 ( b ) 1681 a ( i ) permissible purposes and exclusions of certain information on a consumer report. I am holding these companies accountable for violation of 1692 e ( 2 ) The false representation of the character amount, and legal status of a debt. 1692 e ( 4 ) The implication that nonpayment of any debt will result in seizure or sale of property, 1692 d, 1692 f by communicated use of the attorney, listing my property and name in public notice of foreclosure as a delinquent debtor, has caused damages to my reputation as a natural person consumer, that will grossly affect my ability to do business and be provided housing whether it be lease rent or owning without being denied as a consumer. Under the XXXX usc 1692 and 15 usc 1681 s-2 ( a ), 1681 c, 1681 n, 1681 o, 15 usc 1681 n ( 1 ) ( A ), ( B ) ( 2 ), and ( B ) ( 3 ). These companies have caused injury and have failed to deliver the name and address of the original creditor so that I may be able to validate their claims to a debt and actions. I have not given any consent to the actions being taken against myself or personal property.
Consumer complaint received 2022-08-27
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)

This is XXXX XXXX submitting yet another CFPB complaint to you today to request the complete removal of the unauthorized inquiries from my Credit Report. I previously sent a letter addressed to the Credit Bureaus on XX/XX/XXXX. I appreciate the removal of some of the disputed inquiries from my Credit File but I see here that there are still unauthorized inquiries reported on my Credit File. Once again, I am a victim of identity theft and the disputed inquiries were the result of such crime. Under the FCRA section 605b, I am requesting that the Credit Bureaus remove the remaining unauthorized inquiries completely from my Credit Report : 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 XXXXXXXX XX/XX/XXXX
Consumer complaint received 2019-07-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair ... I am requesting that send me all the details that led to your investigation on the accounts and take any appropriate regulatory action. It is important that we put an end to these types of deceptive information.. Delete the late payments reporting on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2017-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

I am in the process of trying to obtain a mortgage and reviewed my credit report for inaccuracies. I sent the below certified letter to the company after I received no response to my first two certified letters to dispute the account : " Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on X/XX/2017. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required time-frame, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. ''
Consumer complaint received 2022-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On ( insert date ) I sent out letters certified mail to each credit reporting agencies regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and everything as accurate. 

This is false because there are number of inaacuracies and inquiries on my consumer report that still remain. 

XXXX. I never gave this creditor my written consent to run my credit therefore it is fraudulent and this is violating permissible purpose and needs to be removed XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. I am disputing this account for inaccurate information because XXXX is reporting the date of last activity incorrectly. 
You are reporting the date of last activity as XX/XX/XXXX while Transunion is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off XXXX XXXX Account XXXX : XXXX XXXX. I am disputing this account for inaccurate information because XXXX is reporting the date of last activity incorrectly. 
You are reporting the date of last activity as XX/XX/XXXX while Transunion is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off XXXX  XXXX Account Number : XXXX XXXX. I am disputing this account for inaccurate information because XXXX is reporting the date of last activity incorrectly. 
You are reporting the date of last activity as XX/XX/XXXX while Transunion is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off XXXX/XXXX  Account Number : XXXX Please Submit onto ACDV form and XXXX Delete under section 1681s ( XXXX ) ( b ) They have failed to perform a proper investigation pursuant to 15 usc 1681 ( a ) ( XXXX ) ( XXXX ). 

I am now requesting the description of the reinvestigation procedure pursuant to 15 usc 1681i ( XXXX ). They have 15 days to respond the description or else above listed accounts need to be removed from my consumer report.
Consumer complaint received 2019-07-28
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. (MO)

Due to the XXXX  data breach, there's fraudulent inquiries reporting on my account. Please remove the following fraudulent unknown and unauthorized inquires on my credit file. 

1 ) XXXX XXXX XXXX XXXX ) 2 ) XXXX XXXX XXXX  ( XXXX ) 3 ) XXXX  XXXX XXXX XXXX XXXX ( XXXX ) 4 ) XXXX XXXX XXXX XXXX ( XXXX ) 5 ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX XXXX XXXX XXXX ( XXXX ) 10 ) XXXX XXXX ( XXXX ) 11 ) XXXX ( XXXX )
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mobiloans, LLC (CA)

I'm part of a class action settlement ( XXXX, et al. v. XXXX XXXX, XXXX, et al. 
Case No, XXXX ). As part of the settlement, Mobiloans has agreed to cancel and remove my account on my credit report. I've tried to dispute the information multiple times through XXXX, but it still shows as a charge off and on my account. Please remove this trade line as soon as possible. 

Attached is the approved class settlement action.
Consumer complaint received 2022-08-17
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)

It appears that TransUnion is reporting incorrect and possibly fraudulent information on me ; this has happened with the XXXX and XXXX companies. I have rec 'd information from these companies stating that TransUnion is reporting information on me that is not correct.
Consumer complaint received 2021-04-14
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (MD)

Creditor sent an email regarding debt to the incorrect person. All of my personal information is included and my identity has been comprised. This person now has access to my full name, address, phone number and social security number. Including where the debt came from and the account number.
Consumer complaint received 2019-07-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair ... I am requesting that send me all the details that led to your investigation on the accounts and take any appropriate regulatory action. It is important that we put an end to these types of deceptive information.. Delete the late payments reporting on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2019-07-28
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. (MO)

Due to the XXXX data breach, there's fraudulent inquiries reporting on my account. Please remove the following fraudulent unknown and unauthorized inquires on my credit file. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX XXXX XXXX ( XXXX ) 3 ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) 4 ) XXXX XXXX XXXX XXXX ( XXXX ) 5 ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX XXXX XXXX XXXX ( XXXX ) 10 ) XXXX   XXXX ( XXXX ) 11 ) XXXX ( XXXX )
Consumer complaint received 2019-07-28
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. (MO)

Due to the Equifax data breach, there's fraudulent inquiries reporting on my account. Please remove the following fraudulent unknown and unauthorized inquires on my credit file. 

1 ) XXXX XXXX ( XX/XX/XXXX) 2 ) XXXX XXXX XXXX ( XX/XX/XXXX) 3 ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX) 5 ) XXXX XXXX ( XX/XX/XXXX) 6 ) XXXX XXXX ( XX/XX/XXXX) 7 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX) 8 ) XXXX XXXX ( XX/XX/XXXX) 9 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX XXXX ( XXXX ) 11 ) XXXX  ( XX/XX/XXXX)
Consumer complaint received 2019-07-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (ID)

XXXX XXXX XXXX do not reflect their accurate status..Derogatory accusations must be XXXX XXXX Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply..
Consumer complaint received 2019-01-30
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (OH)

Since I have opened this account I have frequently paid within a 60 day widow and have never had any issues until now ... .. I brought my acct current on XX/XX/19 bringing my available credit limit to XXXX. I was informed that I will not be able to use the card for 2 months of regular statements and payments on time ... I need to use this card to make purchases for my daughters upcoming prom ... This is an unfair practice I paid bill and should be allowed to access my available credit and they are holding my card hostage .... This is just one of multiple issues with XXXX XXXX XXXX including improper posting of payments and unfair incorrect credit report reporting ....
Consumer complaint received 2018-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My credit report has a name on it similar to mine but is not me, also this same name has been reported with an account that is not mine. I never done business with this company nor have I given permission to anyone or company to open this account.
Consumer complaint received 2023-04-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (PA)

A few years back, I was informed that I had past due Property Taxes owing to the City of XXXX. I had received no communications since these notices were sent to Wells Fargo who services my mortgage and handles taxes through escrow. I ended up just paying the amount past due plus fees to avoid further issues. Wells Fargo was unable to resolve the issue. I now have received a collections notice for another past due property tax amount. Again, because the city of XXXX doesn't send me property tax bills, I rely on Wells Fargo to service the account. This is unacceptable and I have concern for those who are unable to advocate for themselves.
Consumer complaint received 2019-07-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (ID)

XXXX XXXX XXXX do not reflect their accurate status..Derogatory accusations must be XXXX XXXX Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply..
Consumer complaint received 2019-07-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID)

This issue is an existing problem which XXXX, XXXX and Transunion weren't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX
Consumer complaint received 2019-01-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE ()

I sent XXXX XXXX to one very poor, deserving and aspiring young boy in XXXX for his school fees on XX/XX/XXXX. 
The transfer was put on hold because of some security checks. 
Fine. 
I was asked a copy of government issued ID-card. 
Along with receivers date of birth and current residence address. 
A colored copy of his government issued ID-card, date of birth and address, was posted to the given e-post address on the same very day. 
Since then I have sent them two reminding emails without getting any response at all. 
I have called their customer service twice. Both times, I got the same reply that they were waiting for the translation of the id-card. 
An id-card that constitutes not even 100 words and 6 lines in total. 
For last three weeks I have been running from pillar to post without getting anywhere. 
Please help that poor guy by getting this sorted out.