davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-05
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MA)

In XX/XX/XXXX J.P.Morgan Chase Bank without any explanations closed my joint with my wife accounts. 
As I have been told by phone The Bank issued two Cashier 's cheques # # XXXX and XXXX, but sent them to the mailing address that I have been using for correspondence with the bank till XX/XX/XXXX. As since XX/XX/XXXX my banking statements and other mail from the bank were correctly sent to my home address in XXXX XXXX ( Attachment_01 ) such a mistake looks for me inexplicable. 
In XX/XX/XXXX I finally managed to file a Claim XXXX which was closed and reopened in April ( Attachment_02 ). During phone calls with constantly changing managers of Branch Complaint Escalation Group ( example could be seen in Attachment_02 ) it turned out that the only way to get my money back is to file a Declaration of Lost, Stolen or destroyed cashier 's check ( Attachment_03 ). The declaration concerns issues when check is physically lost or stolen and should be considered as a equivalent of sworn testimony in court and therefore must be notarized, in my situation in US Embassy in XXXX. 
The Bank forces me to make a false statements for which I have been already sent a blank declaration form twice ( see Attachment_04 ) by XXXX.
Consumer complaint received 2018-09-05
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: SYNCHRONY FINANCIAL (GA)

I contacted company on numerous occassions from the months of XX/XX/XXXX until XX/XX/XXXX in regards to removing unauithorized inquires from my report. However their customer service would not help and take care of the negative inquiries reporting to my credit report. I recieved no help even though I was informed they were going to be removed within 10 days. 


XXXX XXXX Syncb XX/XX/XXXX and XX/XX/XXXX XXXXr autho consumer USA XX/XX/XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-07-10
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: LEXISNEXIS (GA)

XX/XX/2021 I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I received a letter stating back " They do not report any Bankruptcies to Anybody. '' So if that's the case .How did the Credit Bureaus verify my Bankruptcy as 100 % Accurate.They never did a Fair Investigation according to the 15 USC 168.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's charter, general reputation, personal characteristics, or mode of living is to obtained through personal interviews with neighbors, friends, or associates of the consumer report on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a Consumer 's Credit Report obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated My Rights numerous times.

The Credit Bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C.1681 Section 602 A.States I have the rights to privacy.
Consumer complaint received 2018-09-05
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I contacted company on numerous occassions from the months of XX/XX/XXXX until XX/XX/XXXX in regards to removing unauithorized inquires from my report. However their customer service would not help and take care of the negative inquiries reporting to my credit report. I recieved no help even though I was informed they were going to be removed within 10 days. 


Capital one XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX Capital One auto finance- XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2018-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (IL)

I made a purchase for a mantel from a company on XX/XX/2017, and they were supposed to deliver the item 2 weeks later. After numerous phone calls and 8 weeks later, I was finally told that they were overwhelmed and behind, and they were working on getting the mantel into their warehouse. Additionally, the salesperson screamed at me. I told them at that time that I wished to cancel the mantel, and would like a full refund. After arguing with the salesperson, I contacted Discover and advised them that I wanted to dispute the purchase because I had not received the merchandise, and I was misled as to when I receive it. Since XX/XX/XXXX, I have been going back and forth with Discover Card, and they have sided with the merchant after their representative told me not to cancel my dispute until the merchandise was received. I have never received the merchandise, and after 9 months I don't want it. Discover states that I signed a form stating that the merchandise was special order, which was not true. The special order item was the fireplace door, which I cancelled and those funds were returned back to my card. At this point, I have exhausted all options with Discover Card, and they are refusing to credit my account for the full amount, because the merchant has stated they have tried to contact me, which again is not true because they advised me back in XX/XX/XXXX that until I cancelled my dispute they would not deliver the item, and I have not cancelled the dispute because they refuse to deliver the item.
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I applied for the Bank of America Small Business credit card on XX/XX/2018 for my Sole Proprietorship that I just started. I filled out the application selecting Sole Proprietorship as the business type. I did not receive a decision at that time and later received a letter dated XX/XX/2018 requesting more information. 

This letter requested proof of business, verification of legal structure, year end business financial statements and tax returns. They gave me one month to provide this information. They also disclosed my credit score as XXXX, establishing there is no credit issue. As a newly established sole proprietorship, I do not have many of the items they requested as they do not exist and are not required for my type of business. I provided the information that I did have, such as my tax returns, along with explanation of why the other information was not available nor applicable. 

I think received a letter dated XX/XX/XXXX, denying my application. This is before the 30 days I was given to produce the information. The reason for denial was insufficient information on the business bureau- which is not required for a Sole Proprietorship - and business credit references have not been established for a sufficient length of time - which is  discriminatory in nature against new businesses, even those such as mine with excellent credit.
Consumer complaint received 2018-09-05
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. (IL)

Date : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX-XXXX XXXX-XXXX-XXXX-XXXX Made a " Hard Inquiry '' to Equifax that I did not authorize. 

I contacted XXXX XXXX. They do not know who did it. 

I have set up a Fraud Alert and initiated a security Freeze.
Consumer complaint received 2018-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC (CT)

On XX/XX/2018 a certified letter was sent to XXXX XXXX C/O XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC  XXXX asking if they could validate this debt that they said I owed. I also contacted XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX in trying to have this matter resolved but no answer
Consumer complaint received 2018-09-05
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NOVA Financial & Investment Corporation (AZ)

I am closed on a home XX/XX/2018 in zip code XXXX. I have received the lender 's CD and the title agency 's Settlement Statement. The final " cash to close '' number match between the documents, which is great. 

The problem that I have is, the accounting of the numbers that add up to the " cash to close '' are vastly different between both documents. Which document should I trust? Both companies wanted me to sign the forms to proceed with the closing. 

Honestly, I shouldn't be forced to sign these documents in order to close, if one or more documents are wrong. 

After being more pushy, the title agency provided a correctly itemized settlement statement, the lender told me they were unable to provide a correctly itemized CD. 

What was more odd, the title agency gave me the okay to re-itemize the settlement statement to match the lender 's itemized CD. I refused. 

I am attaching the correctly itemized settlement statement and the lender 's CD. Which do you think is correct?
Consumer complaint received 2022-07-10
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: Experian Information Solutions Inc. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2022-07-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2018-09-05
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (OR)

I have four savings accounts at Wells Fargo, one for each of my children. My mother, XXXX XXXX XXXX, is a signer on each account and also an employee at Wells Fargo. After learning that my parents have stolen money from multiple family members and organizations I decided to close my childrens accounts and move them to the credit union I am a part of. While at the Wells Fargo branch ( on XX/XX/2018 ) I was informed that my mother withdrew all of the money from each account, leaving only {$100.00} in each ( total withdrawn was just over {$3800.00} ). She had also opened new accounts for each of my children with only her name and their names on them. I inquired how she would be able to open an account for a minor that she isnt the guardian of and was told that all she needs in their SSN. The only way she ever could have access to any of my childrens SSNs would be through her employee access at Wells Fargo. I have made a complaint with them and they are investigating but it has been almost two weeks and I am completely brushed off and dismissed when I call to ask about an update. 
I do not care about the money, some of it was even put in those accounts by my parents as XXXX/birthday presents, what I care about is cutting all financial ties between myself/my children and my parents. 
Wells Fargo will not allow me to close the accounts she has opened without my name. When I contacted my mother she told me not only would she be leaving those accounts open, but she will also be distributing my childrens SSNs to other financial advisors and institutions to open new accounts.
Consumer complaint received 2018-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

I have now been a victim for the second time where i file for my taxes and someone has claimed my dependent. the first time i was not informed of what i should do to protect myself and dependent from recurrence. now i attempted to file my taxes for 2017 yesterday and they were rejected. my daughter is XXXX XXXX XXXX and i am unable to request a credit report. clearly someone has her information and i believe it is ridiculous that i have to wait for my child to turn XXXX to check her credit to then have to clean up whatever damage who ever is using my child 's information. i believe that when a child is a victim of this type of theft they should be allowed to check their credit regardless of the age. the first time i believe my daughter was XXXX yrs old so i have to wait until she is XXXX this can ruin her future when it comes to credit.
Consumer complaint received 2022-07-10
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. (AK)

I opened a secured credit card in XXXX with XXXX XXXX  for XXXX XXXX dollars the following year in XXXX I closed this card with a branch loan officer on XXXX XXXX in XXXX Alaska They list the account as XXXX on the file with XXXX and XXXX and Equifax show a different number. I have disputed this for three years I closed the account in good standing with a XXXX balance and they continue to show as a charge off with a balance of XXXX. I have sent letters documentation letter from loan officer who closed the account stating as I did in good standing and yet the Agencies ( credit reporting ) fail to correct this. 
This needs to be removed completely as this is not only false but severly damaging personally.
Consumer complaint received 2023-01-12
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)

Attorney XXXX XXXX of XXXX had written a letter to XXXX XXXX to have them remove {$19000.00} worth of credit that we never consummated. In short, XXXX XXXX ( XXXX ) wanted to install a solar system at our residence at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX but they never installed it. Attached is the letter sent to XXXX XXXX.
Consumer complaint received 2018-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

Well for the past few months I have contacted Capital One requesting someone speak to me about my accounts that I have with them and the issues I had faced when I went through a very bad divorce and lost of income at the same time. Now I have been a customer of Capital One since XX/XX/XXXX and one in XX/XX/XXXX the  following year so you see I had a great relationship with them at least I thought it was good. I have always paid my bills with them and if for any reason I was late due to computer or forgot to make payment they have always worked with me and refunded back fees. Well in XX/XX/XXXX I lost my job and things got real hard for me and my daughters. I had a almost XXXX year old and an XXXX year old watching me struggle to keep things a float, this lasted months just unable to pay them even the minimum payment in XXXX I was hit with my first late payment that killed my spirit. Since rent was more then I could handle after my husband left us. Not to say it's anyone 's business and they should feel sorry for me but I am and have always been a great customer. All my accounts started going down hill they were being charged off right in front of my eyes and there wasn't anything I could do since I was unemployed and every little bit of money I did have I used on the house to keep roof over me and my kids heads. 
Well I went XX/XX/XXXX thru XX/XX/XXXX trying to find work and pay the credit card companies whatever I could and some accounts closed and charged off but with me I knew all these were my bills so I was going to pay them all off even the charge off ones even if it killed me as these were my responsibility. An amazing thing happened for me finally I found a job and was able to pay my bills again it took sometime but I did my best to give every card company something. Then in XX/XX/XXXX I logged onto any account I could still get into and paid off all balances with each card charged off ones, open accounts all got paid in full. Anything that went into collections and was sold to another vendor I paid off. Well in doing that I was able to get some of my credit card companies to reset my late payments that had made it to my credit report. Today I battle the fact that someone has stolen my identity and I spend my days calling the bureaus and credit card companies asking for forgiveness and along with putting alerts on my credit cards and reports.Being late isn't something people plan or what to do at least not me but all of this hit me hard when I hit hard times and couldn't afford to make my payments on time and was hit with late payments on my credit report. My hands were tied since I couldn't afford to pay but the first chance I got I did pay off everything.
Consumer complaint received 2022-07-10
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: Experian Information Solutions Inc. (GA)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # XXXX, has violated my rights. 


U.S. DEPARTMENT OF EDUCATION Account # XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s=2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-07-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bryant Bryant & Associates LLC (CA)

on XX/XX/2018 i received a call from XXXX this number belongs to Bryant Acc. my wife got a call from this same place in the 1st week in XX/XX/XXXX. when i called back the number the person answered investigations. the male on the phone ( i can not recall the name or if they even gave a name ), stated this had to do with a payday loan. i told the person that we filed and the bankruptcy for chapter XXXX was discharged in XX/XX/XXXX the bankruptcy was discharged. when my wife had this call in XX/XX/XXXX the person Ms. XXXX tried scaring my wife stating that the bankruptcy was not approved and that if she dose not pay that the sheriff 's would come to our door and arrested. at that time she contacted your office and made a complaint. On the above date when i contacted the number the person asked if anyone was arrested. i advised him no and that this is the 2nd time some one is trying this on me and my wife and that i want them to stop calling us and that they were not harassing us and that if they don't stop contacting our friends, family members, or us we will seek legal actions against them. I did use harsh language with them and advised them that i was not happy with them calling us and causing undue stress in the family. we also contacted the law firm that prepared our bankruptcy and they advised to file a complaint with your agency. i tried to talk to someone from your agency on the above date and they really did not seam like they wanted to do anything or file my complaint. the person from the so called investigations department of Bryant Acc. at the time my wife called sated that it was a attempt of a det through XXXX XXXX. when i talked to the so called investigator i told him if this for XXXX XXXX that i will be contacting my attorney an file a case with all agencies that i can on there collection tactics.