davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NJ)

I have submitted numerous CFPB complaints about JP Morgans failure to service my checking account. Yet the account continues to be plagued with problems with no one to correct them. Following is further documentation of the same. 

For many years, JP Morgan has diminished the availability and ease of use of paper records. It will not provide copies of written checks and the so-called copies it provides, sometimes, online usually are illegible on the front or back of the copied check. 

Now JP Morgan has eliminated the ability of an account holder even to search for check images online. There is no search field for " checks '' alone, creating further burdens on its customers, degrading basic services and providing paper records rather than the ephemera of its wholly owned online banking. Forcing me to get check copies online increases my exposure to cyber security risks and risks of identity theft. It is probably pressuring regulators to allow it to completely eliminate paper records on accounts. 

I am unfairly, deceptively, abusively, and repeatedly denied advertised functions on the account XXXX most recently, wire transfers, external transfers, XXXX transfers, and having had a check not credited until over a week or more after it was deposited ; being unable to easily locate check images through online banking ) on this checking account. 

The CFPB needs to force JP Morgan to provide one specific individual at one specific location who can be reached with reasonable effort and within a reasonable time frame who can solve this account 's many dysfunctionalities. It should also sanction JP Morgan effectively for failing to provide widely advertised services for years on this account. Whatever it may have done to date, does nothing to little to correct problems on this account. 

The CFPB should compare the multitude of problems I and the other holder of the account have reported across years and compare our treatment to those of other JP Morgan account holders. If most other JP Morgan account holders are treated as badly, that is one problem ; if most are not treated as badly, JP Morgans behavior should be investigated for the retaliatory practices it probably is.
Consumer complaint received 2020-09-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (OH)

I have a complaint which I would like to submit and acknowledge, so kindly address this issue and close the account as its being wrongly reported in checking systems and reporting. Im a student and a senior in college, while last XXXX and last XXXX onwards my account or I never used Wells Fargo or used its XXXX $ as Im not awais of it. I did speak to an in person branch person before regarding this matter so kindly close this account # XXXX # XXXX $ Ive attached again documents of everything as my whole stuff laptop car and wallet got stolen. Thanks
Consumer complaint received 2022-01-07
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 sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They were company showing on my report and these report is misleading and suspicious. XXXX is the company that is reporting this to XXXX, Experian and XXXX and they were not able to remove it on the report. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S. Code 1666b.Timing of payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Consumer complaint received 2021-03-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc. (NJ)

I opened an account with Binance US on XX/XX/2021 in order to invest in crypto currencies ( virtual currencies ). I had assets worth of approximately {$2000.00} and transferred those assets from Binance to Binance US, because the company mentioned that I had to open an account with Binance US. According to the company 's website account verification process generally takes 15 days. It has been almost 2 months, but my account verification still shows as pending. Binance US does not have a phone number. The only way to contact the firm is to fill out a form and submit online. In order to ask the status of my account, I filled out the form online, but I did not receive any response. I tried to contact the firm through XXXX, but again, I never received a response. My assets are worth {$2000.00}, I want to sell those assets since I need that money but the company is holding on to those funds, and do not respond to any of my inquiries. I need the CFPB to help me access my funds.
Consumer complaint received 2021-05-05
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. (PA)

XXXX XXXX XXXXXXXX, XXXXXXXX XXXX and XXXX are showing as delinquent accounts on my credit that are not my account but affecting my credit. I have contacted collections and credit bureaus with not assistance or resolution. Please assist.
Consumer complaint received 2021-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX XXXX XXXXXXXX, XXXX credit and XXXX are showing as delinquent accounts on my credit that are not my account but affecting my credit. I have contacted collections and credit bureaus with not assistance or resolution. Please assist.
Consumer complaint received 2023-03-29
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. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (GA)

My Suntrust Bank debit card was scammed by XXXX XXXX merchant, XXXX payments for XXXX were taken from my account in a matter of minutes. I received the alert on my phone and immediately called Suntrust. 

The scammer from XXXX XXXX took {$1500.00} from my Debit card account. I had my card in my possession. 

Suntrust denied the fraud claim stating inconsistencies.
Consumer complaint received 2018-07-26
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. (NY)

equifax stopped me from getting new credit card from XXXX ... spoke with people in fraud dept at equifax ... XX/XX/XXXX we faxes to their agent -- -global consortium all information and copy drivers licience as requested ... we recieved a reply with incorrect information ... my social secutity number was stolen in XXXX ... ( XXXX XXXX XXXX..born XX/XX/XXXX was arrested and pleaded guilty.. ) my name in XXXX XXXX..REPORT FROM EQUIFAX -- - CONFIRMATION # XXXX ... .CONTACTED EQUIFAX TRIED TO EXPLAIN THE PROBLEM ... .THEY ASKED FOR MORE INFORMATION TO BE FAXED TO THEIR FRAUD DEPT & COPY OF SOCIAL SECURITY CARD ... ALL THIS WAS DONE ON XX/XX/XXXX ... STILL NO RESOLUTION TO THIS PROBLEM
Consumer complaint received 2021-03-29
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: CAINE & WEINER COMPANY, INC. (CA)

On XX/XX/21 a collection account was placed on my credit report for {$200.00} dollars. I was never notified about the account until I called Caine & Wiener, spoke to a representative named XXXX and she wasnt helpful at all or gave any informal regarding this account. I have no knowledge of this account and I am a victim of identity theft. I want this resolved immediately, this is affecting my credit history.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc. (AZ)

National Credit Systems : Account XXXX National Credit Systems is inaccurate reporting an item on my credit, XXXX, XXXX and XXXX are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurate items from my credit report. 

1. Date Opened is listed different on multiple credit bureaus. 

2. This account XXXX Has FCRA Violation. 

3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 

3 different dates on each credit bureau. 
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 

5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact National Credit Systems and XXXX XXXX and XXXX correct and remove this inaccurate info from my credit report.
Consumer complaint received 2021-04-12
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: WELLS FARGO & COMPANY (PA)

Early last year I saw a hard inquiry on my credit reports stating someone had attempted to open an account with Wells Fargo financial services for a credit card. This was not me. I contacted the credit companies, as well as Wells Fargo, and put a fraud alert on my account. I filed a dispute with the three credit bureaus asking for the information be removed. The credit bureaus state that they merely relay information provided by banks, and I must take it up with the banks. 
Later, this happened again, I had a inquiry stating that an account was attempted to be opened with XXXX, through XXXXXXXX XXXX  This time I repeated the steps, and filed a police report on the matter. I sent all materials including the police to he credit bureaus, who again told me to take it up with the bank. I contacted Wells Fargo, and XXXX XXXX  who have now been jacking me around for a year, with proof and fair notice of identity theft and that they are reporting fraud on my credit report, and a sworn affidavit of such from me. 
In particular, Wells Fargo has now sent me a third request asking for my account numbers and things I already sent them. I spent an hour on the phone with Wells Fargo describing the circumstances, emailing the items and the police report to the supervisor on the phone, then a month later they want to know something more and have me re-send the same information again? 

Wells Fargo is now participating in the fraud by deliberately stalling fixing their error.
Consumer complaint received 2021-12-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO. (TX)

I DID NOT AGREE TO ANY CONTRACT. THE CONTRACT LISTED IN THE ATTACHEMENTS WAS SIGNED WITH XXXX  BEFORE MY SIGNATURE MEANING I DO NOT AGREE, UNDERSTAND, OR READ ANYTHING IN THE CONTRACT. I WAS NOT PROVIDED A ORIGINAL COPY OF THE CONTRACT WITH A WET INK SIGNATURE. House Joint Resolution XXXX PUBLIC LAW 73-10,15 USC XXXX692c,15 USC 1692a,15 USC 1605,15 USC 1692e , 15 USC 1692XXXX.
Consumer complaint received 2020-09-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone number XXXX To whom it may concern, My name is XXXX XXXX and I see that that there is an open account for collections of FL XXXX XXXX XXXX XXXX. I am writing to you regarding what looks like two reports showing delinquent on my credit score. My son has XXXX XXXX at XXXX years old at this office. His insurance changed before the second payment, and the office was sent in the change of insurance many times. I even sent it back with one of the bills. About 4 months later my father was diagnosed with XXXX  XXXX, and I became his full time caregiver. During that same week I also became the full custodial parent to my XXXX year old. His father at the time agreed to pay the remainder of the procedure but I can see he let that go to my dismay. I reached out to the original creditor who seemed to not adjust the insurance accordingly and I could not get in touch, even sending in mail. I am writing to you to ask in tern I will pay the remainder if there is absolutely any way your company can reach out to the credit bureaus and delete the negative and derogatory line of credit from my account. I am beyond sorry about the confusion and delays on this account. I can assure you I can have it paid in full if this is able to be taken off of my credit account to assist going further.
Consumer complaint received 2021-05-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal limited my account for no reason and will not help me with getting it back up even if i tried to resolve this already. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2017-12-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (TN)

My Homeowner Insurance Company mailed the check to repair my roof and ceilings to my Mortgage company Ocwen Loan Servicing LLC. The Check was mailed to me from Ocwen to endorse so they could send the funds to me so I could replace the roof on my home and repair my water damaged ceilings. Prior to me sending the check by XXXX I called Ocwen claims dept and was told to submit a letter stating I was requesting private repair to replace my roof and repair the ceilings. I have not received the check as of XXXX. 2017 I called Ocwen today and I was told by XXXX XXXX XXXX, with Ocwen Executive resolutions that since I was delinquent on my mortgage and Ocwen was processing my mortgage modification request Ocwen will not send me the Insurance check to repair my home and I would have to have a License Contractor for them to send the check for me to repair my home. I 've spoken with the persons whom I want to fix my house and they are ready to do the repairs. 
I feel Ocwen is discriminating against me, my neighbors also has Ocwen as their servicer and they had claims and they allowed them to pick who repaired there houses and they too were in processing with Ocwen for mortgage modification.
Consumer complaint received 2017-12-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (NJ)

I sent a {$1000.00} payment on a auto loan that was cashed and deposited by Honda Financial Services on XX/XX/XXXX. They did not credit me with the payment. I 've gotten a copy the cancelled check from my bank, XXXX XXXX. I faxed the copy to Honda Financial and they told me they could not read the back so unless I was able to get a better copy of the check back they would not help me. XXXX XXXX, my bank tells me Honda Financial kept the copy of my original check. 

Their bank stamped the back of the check. It should be their problem to read their banks stamp. If they wanted to run a scam they could not credit all of their customers accounts, have their bank do a poor job stamping the back of all checks and force all of their customers to keep paying without crediting. What a scam. 

I feel Honda Financial Services has stolen {$1000.00} from me and maybe others.
Consumer complaint received 2022-04-27
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (PA)

I viewed my credit report and noticed that there is fraudulent account. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX  / {$14000.00} / XX/XX/2022
Consumer complaint received 2021-05-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I have a credit monitoring service ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) through my XXXX XXXX  Account. My credit score has been reported as over XXXX for over a year. My score in XXXX was listed as XXXX. In XXXX I paid off a truck loan to XXXX XXXX and as stated above my XXXX XXXX XXXX was XXXX. In XXXX I paid off a motorcycle and my score fell XXXX points from XXXX to XXXX. Also, Ive had no negative inputs ever to my report and the payoff of both the truck and motorcycle were listed as positive inputs to my report. 
I contacted XXXX XXXX and they told me that they could not reference my report and gave me the number to Experian. After talking to several people there, they did open my report and verified the information provided above, but told me they could not correct the score given, but could only remove incorrect information that is provided from the various companies. Therefore, since the information from the companies was correct they could not change the score. 
Please note that I did request to speak with an Experian Supervisor, but after waiting for some time was told that none were available. 
I feel like I have run into a brick wall in trying to correct this obvious mistake. 
I pride myself in keeping up with all aspects of my finances. 
Please let me know if there is any additional information you may need. 
Thank You in advance for helping me remedy this unfortunate situation. 
XXXX XXXX. XXXX XXXX
Consumer complaint received 2024-03-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My statement closing date is the XXXX of the month. If I purchase a pair of shoes for {$200.00} on XX/XX/XXXX but then return them on XX/XX/XXXX, Capital One does not permit me to deduct this {$200.00} credit from the payment due on XX/XX/XXXX. They expect me to still include the {$200.00} in my payment even though it has posted to my account or else face interest charges. This is an unfair business practice to penalize a consumer this way. It favors the cash flow of the bank to the detriment of the consumer. I own 3 other credit cards and none of them follow this model. ALL of them allow me to deduct any credits that have posted to my account even if they post after the statement cutoff date.
Consumer complaint received 2021-05-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Crossroads Systems Inc. (WI)

I applied on XXXX XXXX to receive the PPP loan with XXXX. The loan was approved by Sba on XXXX XXXX to receive funds. I sign documents on XXXX XXXX that my lender would be XXXX XXXX XXXX lending me {$20000.00}. Documents signed & completed on XXXX XXXX been waiting to be funded since then. The documents state 10 days to be funded. No letter or explanation on why the funds hasnt been deposited. They did send out email stating they had issues with the bank XXXX but I bank with XXXX XXXX. So I send numerous chats to XXXX see whats going on. They dont know. Send email to XXXX XXXX XXXX XXXX XXXX XXXX. No response. Sent an email to my local Sba and they provided me with XXXX XXXX information. No help because Ive already sent info to XXXX XXXX XXXX. Then they send me some identity questions on XX/XX/2021. I failed them. Never provided a reason for identity questions. Now I sent 3 different identifications in email to prove to let them know its me. These lenders dont know anything. They dont have a phone you can contact them. Where funds was supposed to be funded weeks ago & who knows whats going on.