davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (GA)

In XX/XX/XXXX, I took a balance transfer from Citicards for {$2400.00} at 0 % interest until XX/XX/2020. The wording of the terms was constructed so that the terms of repayment were at best unclear. Recently, speaking to various Citicards staff, it was now made clear to me that higher interest rate activities would be paid off first on a monthly basis, and the lower rates last. Since my balance transfer has 0 % it receives only the minimum every month. In order for me to pay the transfer by XX/XX/2020, I will need to pay off all purchases and keep only the balance transfer amount so that my payments will be totally applied to reduce the balance. My understanding of the terms was that my monthly payments would be applied to the balance similarly to purchases. When applying for the transfer, their staff reads a script which is technical and wordy distracting your attention and understanding. I can not help but believe that Citicards ( Citicorps ) is engaging in fraud. The purpose of a balance transfer is to payoff other cards and to use just one. Citicards has created a win-win situation. If I use their card, my balance transfer is barely impacted by payments, and in XX/XX/XXXX they can impose their interest.
Consumer complaint received 2019-04-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

After making a deposit payment ( XX/XX/19 ) to XXXX XXXX ( military veteran ) for a condo, we changed our minds within XXXX. He replied back to our email that he would refund us the {$600.00}. However, we never heard back from him. We executed a rental contract that we would receive the keys the morning ( XX/XX/19 ). When XXXX failed to provide the keys on time, we decided to cancel the agreement to find other arrangements. He responded sympathetically and agreed to return the money ... as long as we provided a screen shot that the funds indeed went through. I told my fianc not to send him the confirmation and instead contact Chase and or XXXX. Chase recommended we send a Request to Refund. We sent it and received no response. My fianc sent the confirmation email with hopes he would return the money. But, still no response. Can someone please tell us how to get this resolved? There must be something that can be done! If not for us, the millions of others that will stop using XXXX and other options if there is no sort of fraud protection. 
XXXX, FL We also confirmed this guys used a fake ad on craigslist as the condo he was offering never existed. XXXX # XXXX unit XXXX at XXXX XXXX XXXX FL. XXXX XXXX is a XXXX. That may not even be his real identity. His email is XXXX and he uses a XXXX phone number.
Consumer complaint received 2020-09-15
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. (NY)

THE DISPUTED ACCOUNTS LISTED DOES NOT BELONG TO ME AND I AM REQUESTING IMMEDIATE REMOVAL OF THE ACCOUNTS FROM ALL THREE REPORTING CREDIT BUREAUS. THESE NEGATIVE UNAUTHORIZED ACCOUNTS HAVE TARNISHED MY NAME AND SSN AND I AM PLEADING FOR A REINVESTIGATION INTO EACH MATTER.
Consumer complaint received 2019-05-10
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. (CA)

Equifax is reporting two medical accounts on my credit report as being in collections with the debt collector XXXX XXXX XXXX. They are designated as XXXX. 

For two reasons, these two accounts fall under the new rule that went into effect XX/XX/2017 regarding medical accounts. ( 1 ) both accounts were incorrectly billed by the original creditor, and as a result were initially not appropriately covered by my health insurance company. Accordingly, I disputed the accounts. An audit process was initiated by the original creditor ( XXXX XXXX XXXX ), with the result that additional insurance payments were received on the two accounts, and then the remaining balance for both accounts were immediately paid down to zero -- paid directly to the original creditor, not the debt collector. ( 2 ) During the dispute and audit process, the original creditor had assigned the two accounts to debt collector XXXX XXXX XXXX, even though ( a ) six months had not passed, and ( b ) the accounts were in the process of dispute and internal audit by the original creditor. 

Rather than deleting both accounts from my credit report entirely, Equifax simply updated the two accounts to show as " paid '' with a zero balance. Consequently, they unfairly lower my credit score. That is not correct according to the 2017 FCRA rule. Both medical accounts should be deleted, rather than penalizing me for errors made by the original creditor.
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

On XX/XX/2019, I went to use my XXXX XXXX card, the merchant refused to take my card stating it has been reported as stolen. I looked at my XXXX   credit report, which has dropped points on my report - and in fact, card shows stolen. I contacted the credit card company. They opened an investigation as it shows I has reported the card stolen. It told them that was not the case. As a result of investigation, they concluded that Equifax has reported the card stolen, put a 90 days hold in my account, and took points off my report. I submitted a dispute with Equifax, but because I did not chose to pay for their services, I am unable to retrieve my report. They keep sending me emails telling me to get my report. To my surprised, the site has been down for three weeks. I attached a copy of this. I called them to no help. They claimed they could not figure out who I was after their questions where not understood. Ex : you have a bank loan? I asked which loan - they said we can't identified you. I have more than one bank loan. 
I emailed them, they asked me to email a bogus email address, who stated they did not handle reports. Everyday, I try to enter the site and I still can't get my report. So this situation has created stress plus I continue to see incorrect information in my report.
Consumer complaint received 2023-03-20
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. (MO)

On XX/XX/2023, I sent another dispute letter to the Credit Reporting Agencies requesting that the disputed accounts which I believe to be reporting inaccurate and erroneous information on my Credit File be immediately removed and or corrected within the time allowed by law. In accordance with the Fair Credit Reporting Act section 1681i, any accounts and information must be corrected and or removed within 30 days after the date of receipt of dispute. I have been disputing the disputed accounts for such a long time and it is clear that the Credit bureaus have been adamant in ignoring all my requests. Under the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request to the Credit Bureaus once again to correct or remove the following accounts as soon as possible. : 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. The disputed accounts which are reporting misleading information on my Credit File must be corrected by updating the accounts ' status or completely removing the disputed accounts off of my Credit File as soon as possible.
Consumer complaint received 2023-03-20
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 submitted a letter to the 3 Credit BureausXXXX XXXX,2023 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXXXXXX XXXX  XXXXXXXX  Balance Owed : {$360.00} XXXX XXXXXXXX Balance Owed : {$350000.00}
Consumer complaint received 2019-05-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (NJ)

I have sent certified return receipt mail to this collection company " EOS CCA '' to validate this debt. they have not yet validated the debt in over 6 months a default letter was also sent to the company, and still no response. I have also sent a dispute letter to all credit bureaus regarding this matter. XXXX and XXXX   have removed this from my report. Although, XXXX has not removed it. They have stated that the account was verified. It seems to me this collection company has violated the Fair Debt Collection Practices Act.
Consumer complaint received 2019-04-08
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. (TN)

I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. Chapter 7 Bankruptcy XXXX
Consumer complaint received 2023-06-13
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)

I have several inquiries on all XXXX credit reporting agencies that are not mine and I did not authorize. 
The companies can not give me any information and XXXX, Equifax and XXXX refuse to take them off!!! 
I have an XXXX average credit score, I take my credit health seriously. I can not believe these companies are allowed to do this!!!!!
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (FL)

Dear CFPB, I am writing to file a formal complaint against JP Morgan Chase Bank for its blatant disregard of The Electronic Funds Transfer Act ( EFTA ) and my consumer rights. Under EFTA Regulation E ( 12 CFR 205.6 ), I have diligently notified the financial institution within the mandated XXXX calendar days following the unauthorized transfer event, which does not involve the loss or theft of an access device.

Despite my repeated verbal notices to the financial institution regarding this unauthorized transfer, Chase has failed to acknowledge or address my concerns, thereby violating my rights as a consumer. According to Section 205.6 ( b ) ( 5 ) ( i ) of the EFTA, a consumer effectively limits their liability by providing pertinent information to the financial institution, regardless of whether a specific employee receives the information or not.

Furthermore, it is evident that this unauthorized electronic transfer qualifies as an " error '' under Regulation E 's liability and error resolution provisions, as stipulated in Section 205.12 ( a ) ( 1 ) ( iii ). As per the Truth In Lending Act, Regulation Es error resolution procedures must be followed by the financial institution in response to any oral or written notice of error from the consumer, as outlined in Section 205.11.

Despite these legal obligations, JP Morgan Chase Bank has failed to comply with the necessary error resolution procedures and has neglected to address my concerns regarding the unauthorized transfer.

I am requesting immediate action to rectify this matter, including but not limited to : 1. A thorough investigation into the unauthorized transfer.

2. Reversal of the unauthorized transaction and restoration of my account.

3. Confirmation of compliance with Regulation E 's error resolution procedures.

4. Assurance of measures to prevent such incidents in the future.

Failure to address this matter promptly will compel me to seek further action through regulatory authorities and legal channels. I trust that the Consumer Financial Protection Bureau will take appropriate action to ensure that JP Morgan Chase Bank fulfills its obligations under the law and upholds consumer rights.

Thank you for your attention to this matter.
Consumer complaint received 2021-03-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SFMC L.P. (TX)

XX/XX/XXXX -- Home Purchase Closing and Funded with FHA Loan, TSAHC Down Payment Assistance/MCC. Lender : Service First Mortgage. 
XX/XX/XXXX -- Lender call and email stating there was an issue with selling my loan to an Investor due to changing the HUD/FHA - approved calculation used at closing to a different calculation, per the Investor 's request -- causing ineligibility for FHA Loan and Down Payment Assistance. 
XX/XX/XXXX -- Received written notice of New Loan Servicer, XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX -- FHA Loan was closed and I assume Conventional Loan added at that point, which I was not aware of until HUD/FHA verified on XX/XX/XXXX that FHA Loan closed in XX/XX/XXXX. 
XX/XX/XXXX -- Submitted online written request for Covid-related Forbearance per website instructions. No response received. 
XX/XX/XXXX -- Submitted online written request for 3 items, including requesting a status update of my Forbearance request submitted previously on XX/XX/XXXX. No response received. 
XX/XX/XXXX -- received an email from Service First Mortgage requesting a phone call for review of my mortgage to see if I am in the best situation with my mortgage, possibly refinance or lower interest/payments. I formally requested AGAIN for Covid-related Forbearance. 
XX/XX/XXXX -- Received Loss Mitigation packet to complete, which contained a full application and requested full income documentation the same as provided for purchasing or refinancing. Contacted HUD for assistance with Covid-related Forbearance and clarification of documentation that have to be provided to qualify for this type of forbearance. I learned at this point that my FHA Loan was cancelled and referred to CFPB for further assistance. 
XX/XX/XXXX -- received email response back from Service First Mortgage stating they can not answer my questions regarding Covid-related Forbearance and suggested I contact customer care solutions ( XXXX ), the very same people who have not responded to my previous request for Covid-related Forbearance to date. 

I am attaching a more in-depth detail of events and other documentation for review in hopes that you can help me.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am reminding you once again that you must remove any claims listed above or below that have not met the minimum criteria required for you to assume the privilege of reporting. If you fail to prove the undeniable facts of each allegation and adhere to the necessary reporting practices mandated by the XXXXXXXX XXXX Metro 2 Compliance standards, then I contest the reportability of any such claim. The XXXXXXXX XXXX XXXX stipulates that " '' ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA. '' '' Therefore, it is imperative that you accept my challenge to prove the accuracy and compliance of each claim. I demand that you remove any such claim immediately from reporting as I have requested. 

Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-04-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC. (GA)

I had an no penalty cd with Ally Bank. They sent me an email offer for an interest bonus program. The bonus was 1 % bonus for a deposit up to {$50000.00} of new money. I elected to take the offer, signed up online with the help of one of their reps. and deposited {$50000.00} of new money into a new account. The money needed to remain there for 90 days and then the bank would pay the bonus on XX/XX/XXXX. When the bonus was not paid, icontacted the bank XX/XX/XXXX for an explanation. They agreed to check and let me know. I checked with the bank again on XX/XX/XXXX and was told they were still checking. I checked back on XXXX and spoke a supervisor. She advised I needed an approving email with a code # to get the bonus. This was the first time I heard about this qualification. I checked back to when the account was opened but couldn't find an email. I explained the account was opened with the help of their rep. and had followed all instructions at that time. The rep I worked with did change my email to get into the account but it was changed back within 15- 20 minutes. I sent the bank this information by email on XXXX and was told they would review and let me know. Their confirmation email indicated 7-10 days for a reply. I waited now 47 days and have contacted the bank several times but they will not provide an answer. I'm tried of waiting and allowing the bank to use my money. Today I have authorized the account to be moved to another bank. However, I met all their requirements for the 1 % bonus or {$500.00}, plus interest from XX/XX/XXXX to XX/XX/XXXX. They can sent the money in the form of a check to my address on file. Thanks for your help.
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MJ Altman Companies, Inc. (FL)

MJ Altman company in XXXX, is reporting delinquent on an account that I already paid, it was paid through my lawyers submittal of the bill and my insurance company, despite the fact I sent them the bill showing it was paid, they refused to remove it form my credit preventing me from getting my VA loan on my house as I am a XXXX veteran, all my bills are paid through my lawyer who also sent me a snapshot of the bill that was paid through XXXX payment system through XXXX in which I submitted to them and they refused to remove it from my credit. They keep arguing with my lawyer and me and continueously ask for more personal information not needed which makes me worry they want too much information for, I sent the bill to them and the proof of payment and account info and the amount credited shows a XXXX balance as the full amount was credited yet they still refuse to remove it from my credit after much proof. I had three accounts not valid put things on my credit the month I was closing on my house and got denied for the VA loan and not one of them are valid and they refused to remove it from my credit. I have one report filed and have to file another report as well as they both refused to remove what is not mine or not valid from my credit. I totally had my credit destroyed by thieves as I had a XXXX credit score and I have been robbed and even forced into a chapter XXXX and these things or crooks are destroying my credit, I worked really hard and value my credit rating and it got destroyed. by jealous people. I am XXXX from the XXXX and XXXX and earned my benefits that others keep relentless destroying or trying to take from me in one way or another. this is the 2nd complaint and I have one more, all posted in the month of my closing. MJ Altman is a third part to fire and rescue in XXXX XXXX   emergency after I got hit by a car they were supposed to fix the issue but I was told MJ Altman is a third party and they dont deal with them, I must fix the problem and me and my lawyer showed proof and they are still denying it and I have the proof of payment and they keep harassing me saying I owe them when I dont and reporting it on my credit damaging it. MJ ALTMAN ( XXXX ) XXXX-XXXX
Consumer complaint received 2021-03-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Alabama Housing Finance Authority (MO)

XXXX says that my payments are always late due to slow USPS delivery. I make my payment electronically and I told them so. XXXX said sometimes banks write a physical check and mai it! I talked to my bank and they said that's not how it works, they send electronically and it is received electronically, there should be no delayXXXX ( a Division of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX AL, XXXX ), said the only way to fix this is for me to give them access to my checking account so that they can deduct my payment every month! 
I do not want to do this! I do not trust them! I had no problem with them until my payment was upped about {$35.00} a month due to a property tax hike in 2020. I heard about it belatedly because I was quarantining elsewhere with a friend and hadn't picked up my mail. I paid my late charges and thought that was the end of it but NO! Since then any payment I send is too late and not enough. Now they are demanding payments of XXXX and XXXX, ( pmts are XXXX I've tried sending payments in early but nothing works with them! 
By the way, my statements from them arrive in bunches of 2 or 3 and very late. Most times es after the date the payment is due. However, I do not wait for the statement to pay. 
Can you help me with this horrible company. I had planned to refinance with another company at a lower rate in 2020 but XXXX has ruined my credit rating! 
XXXX XXXX XXXX XXXX Loan XXXX XXXX Lost XXXX XXXX XXXX. I wrote to my States Attorney General about this problem and they also contacted them. I received a letter from them today saying XXXX had not yet replied. 
XXXX, MO XXXX