davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (CA)

Someone is opening multiple accounts under my name fraudently. On XX/XX/2022 I received a letter from Chase that someone tried to open an Amazon XXXX XXXX signature account under my name. I know the address that they put on file because they have done this before with other accounts. They order clothes and electronics and get it shipped to their house. I want this to stop so what steps do i have to take in order to make it happen. I called the company Chase but they told me to make a report with you guys to get it investing. I have multiple police reports as well showing all the accounts they have opened.
Consumer complaint received 2020-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NM)

On or about XX/XX/XXXX, I contacted LoanCare , LLC regarding cessation of my PMI payments because I had reached 80 % of my loan amount. 

I purchased my condo in XX/XX/XXXX with my first loan payment becoming due on XX/XX/XXXX and, as of XX/XX/XXXX, I had paid down more than 20 % of my loan. 

Instead of stopping the PMI payments, XXXX sent a form to me so that I may pay to have an appraisal done to the tune of {$400.00} to {$500.00}. My loan will be paid off by XX/XX/XXXX. If I just let them continue to steal {$13.00} a month from me in PMI payments, the amount LoanCare would steal from me is {$260.00}. 

It seems very unreasonable, not to mention really idiotic, to me to pay $ XXXX {$500.00} to stop LoanCare from taking {$260.00}. 

As of this date, my current loan balance is {$43000.00}, the original loan amount was {$75000.00} and the condo appraised ( in XX/XX/XXXX ) at {$84000.00}. I have serious doubts that the condo has depreciated much since XX/XX/XXXX. As a matter of fact, I'm pretty sure it has appreciated since then. We're talking months here! 

I contacted the XXXX XXXX XXXX but they said this complaint is out of their realm so I am reaching out to CFPB in hopes of having this ridiculous charge stopped.
Consumer complaint received 2020-05-01
Product: Student loan — Private student loan
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Oklahoma Student Loan Authority (TX)

I enrolled at XXXX XXXX XXXX and went through the financial aid department to receive funding to attend their school I started school in late XXXX and it ended up until XX/XX/XXXX I then ended up getting XXXX XXXX XXXX XXXX XXXX XXXX XXXX when I was released I then found that I was in debt on my credit report when I called and asked why I was told that I selected the option that if I stopped going to school return the money to the lender and have me pay for it well I have never been through the whole financial aid process or receiving loans and applying for loans so I wasn't aware of what was going on also I don't understand why I was put at default can I have no idea of it in fact I was incarcerated and had no way of knowing and I was never informed that I was going to be charged the amount of money and that the money that I got the loan for was to be returned to the company if I stop going to school. I don't believe that this is lawful or Fair because I did not have a mutual understanding of the decisions made in the financial aid department of XXXX XXXX. Now I'm interested in going back to finish my XXXX  XXXX certification however my credit report in my student loan history May conflict me being able to do so. Also it is affecting my credit score in a negative manner and I need help disputing this matter. Can you please contact me as soon as possible once again this is a very urgent matter because the matter at hand is holding me back from furthering my career and building my future you can contact me anytime this is my mobile number ( XXXX ) XXXX my name is XXXX XXXX XXXX XXXX XXXX . 
If I happen to miss your call please leave me detailed message and the number I can return your call. Thanks for your time I look forward to hearing back from you soon.
Consumer complaint received 2024-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2022-04-08
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. (CA)

In accordance with the Fair Credit Reporting act there a accounts attached that have 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 a account without my written consent.
Consumer complaint received 2020-05-01
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (MD)

I bought some shoes from XXXX which turned out to be defective. The zipper broke. I contacted XXXX and they sent me a replacement and I just had to send back original pair. 
I decided to send back both pairs with the shipping label provided. 
I received my bill and it still had the item on the bill. So I disputed the amount. A month later, XXXX sent me a letter that they needed further information to resolve the dispute and to call number on the letter. I called the number on the letter, XXXX, and it said they were closed due to Covid. Ive called once a week since the letter was mailed to me in XXXX. I received another letter today that since I did not call to furnish the information needed, the dispute was closed and not in my favor. I just tried calling the number they provided again. And it still says theyre closed due to Covid. 
If thats the case, why would XXXX close my case? Rather than extend the investigation period. Obviously someone is working, and taking adverse, unfair actions not to my benefit. 
As if today, I am yet to receive my refund for the purchase.
Consumer complaint received 2020-05-01
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 wanted the credit bureaus to provide me with the information that I asked for regarding an account on my credit report. Under Section 609 Disclosure to Consumers [ 15U.S.C.1681g ( a ) ( 1 ) ( 2 ) ( 3 ) ] of the Fair Credit Reporting Act all of the information that I requested was supposed to be provided to me by the credit bureaus. They failed to do so. Under Section 611 of the Fair Credit Reporting Act if the information can not be verified then everything must be deleted immediately. Section 611 also states that they had 30 days to do this and they failed to so. I have attached the letter that I sent them.
Consumer complaint received 2018-10-13
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. (NJ)

On XX/XX/2018 I submitted a request for Method of Verification to Experian Credit reporting Agency for the XXXX XXXX XXXX account # XXXX. I received an email XXXX at XXXX from Experian telling me that the investigation should be completed by XX/XX/2018. 

I called Experian on XX/XX/2018 at approximately XXXX and spoke with XXXX , who said that XXXX has about 30 days to respond to your dispute. I attempted to explain to XXXX that I sent a letter directed to Experian to send me their method of verification procedures and it should be done with in 15 days. XXXX mention that he had previously talked to me about this account, and I would be notified of the results within 30 days. He asked was there anything else. The called ended after I said no. 


At approximately XXXX EST I filed a formal complaint with the CFPB, Complaint # XXXX ; concerning Experian total disregard for FCRA- method of verification. 


At approximately XXXX XX/XX/2018 Experian sent and email alert to me, telling me that my dispute concerning XXXX was completed and the results are ready to be viewed. 

Experian has once again violated my rights as a consumer under the FCRA. Experian did not even bother to preform a fair and reasonable verification investigation. All they seem to have done was either go through XXXX  or just updated the negative account themselves. 


Because of Experian total lack of regard for FCRA compliance requirements, I have suffered financially as a credit consumer. 
I strongly believe that Experian is retaliating against me for filing a formal complaint against them.
Consumer complaint received 2022-08-05
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: AMERICAN EXPRESS COMPANY (MS)

The company said my name was added as an authorized user and it was without my permission from Amex and its showing that the account balances is mines! They closed the account and it shows closed account but the account was never mines
Consumer complaint received 2021-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

ID THEFT VICTIM .... 
THE PERSON THAT FILED THIS IS IN PRISON FOR BANKRUPTCY FRAUD THE LAWYER THAT FILED IT IS NO LONGER PRACTICING LAW
Consumer complaint received 2021-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: U.S. BANCORP (OH)

Credit reporting agencies do not have same information underwriting have. The three credit reporting agencies tell me they dont have information that my XXXX XXXX XXXX loan is in default, but current. Underwriters ( banks ) say I pay {$3000.00} a month. Ive produced documents from the XXXX showing what I pay XXXX {$0.00} XXXX. Thus no loan.
Consumer complaint received 2024-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

Hey, I am writing this complaint again for the second time. I have sent your company a dispute last month XXXX XXXX 2023 which I clearly stated the accounts that were fraudulent and in question, there are still accounts on my credit report that should not be there. The negligence of your company is causing me stress and affecting my mental health, not only have I stated the fraudulent accounts, I have also attached an FTC report with FTC number XXXX alongside my ID and social which I will be attaching again. I should not continue to be punished for being a victim, and all I can do is reach out to your company to correct it.
Consumer complaint received 2020-10-29
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. (OH)

I contacted equifax about a inquiry that i did not authorize nor give anyone the permission to use my name or credit, they keep me on hold then never come back! I want this off my credit asap! 

yall keep saying yall are doing a internal investigation but are saying it is factual information how can fraud be factual information!
Consumer complaint received 2017-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XXXX has my Capital one account showing negative until 2022 and there has not been a late payment in over 2 years. 

There is nothing showing late nor is my account negative for 24 months I 'm also filing with the FTC on XXXX for there reporting practices.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Against Bank of America for Denial of Fraudulent Charge Claim Dear Sir/Madam, I am writing to file a complaint against Bank of America for unjustly denying my recent claim for fraudulent charges on my credit card account ending in XXXX. Despite providing substantial evidence of the fraudulent transactions to both the bank and the XXXX Police Department, Bank of America denied my claim, citing that the card was used with the chip and/or PIN entered, and thus implying that I was responsible for the charges. 

The fraudulent transactions occurred on XXXX XXXX, 2023, and I reported them to the XXXX Police Department as part of a financial fraud investigation ( Case No : XXXX ). The total amount of the unauthorized charges is {$1300.00}. A detailed list of these transactions has already been submitted to the XXXX Police Department for investigation. 

According to the Fair Credit Billing Act ( FCBA ), I am protected from liability for unauthorized charges on my credit card account. The FCBA limits my liability to {$50.00} for unauthorized charges, and many credit card issuers, including Bank of America, have a zero-liability policy for fraudulent charges. Despite this legal protection, Bank of America denied my claim and decided to remove the temporary credits applied to my account. 

I kindly request the Consumer Financial Protection Bureau to intervene in this matter and investigate the unjust denial of my claim by Bank of America. I believe that the bank 's decision to hold me responsible for the fraudulent charges, despite the evidence provided, is in violation of the FCBA and the zero-liability policy. 

Please find the attached documents, including the list of fraudulent transactions and the letter I received from Bank of America, for your reference. Please note that in my attached documents I have provided account numbers. None of these account numbers are still active, so this information may be shared. I am willing to provide any additional information or evidence required to support my complaint. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-10-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

On XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt the are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I sent this letter certified / return receipt, so I know they received it on XX/XX/2020. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded, by providing the required proof. 


Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.
Consumer complaint received 2019-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AR)

SINCE XX/XX/2015, XXXX XXXX PLACED A SECURITY FREEZE ON OUR CREDIT FILES, AND AS A RESULT CAUSED OUR BK XXXX THUS VIOLATED THE F.C.RA. 15 U.S.C. Section 1681g as well as the Dodd Frank Wall Street Reform & Consumer Protection Act, Title x by not answering the CFPB.GOV PORTAL COMPLIANT CORRECTLY.
Consumer complaint received 2020-10-29
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/XXXX I submitted a complete loan application with the 6 required data elements that would require initial disclosures to be provided within 3 business days to Chase Bank. On XX/XX/XXXX, I provided all required financials and documents that the loan officer initially requested. This took 3-4 hours to gather the required information and complete the application. 

I did not receive the required disclosures within the required time frame, and finally on XX/XX/XXXX I followed up with the Loan Officer. I did provide the CFPB link to him indicating the regulatory requirements for disclosing. He responded letting me know that I would receive them the next day and did not acknowledge the violation. On XX/XX/XXXX, I still had not received the required initial disclosures. At that point I contacted him and let him know I would like to cancel my request. If there are NO controls operationally to ensure that disclosures are provided within required time, why would I want to continue working with them. Spending everyday asking for updates to my loan is not something that I ( or anyone ) has time for. I work in the XXXX XXXX XXXX XXXX XXXX XXXX, and understand how system controls should be in place around timelines to ensure they are met. I have serious concerns that this is a pattern for Chase Bank.
Consumer complaint received 2017-09-18
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. (MD)

Equifax is refusing to delete credit inquires that I did n't apply for credit with for the following companies.
XXXX XXXX -- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX -- XX/XX/XXXX They will not delete an account in which I was listed as an authorized user for and it should n't been on my credit report.
XXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-29
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I got scammed from a person on XXXX  claiming to be an XXXX  XXXX. He is running a scam preying on sick people. I first heard of him from my grieving page on XXXX for women who are or have faced multiple miscarriages. His XXXX address and XXXX  number was provided so I contacted him via XXXX messenger on XX/XX/XXXX because I had just went through unexplained XXXX. He asked me for {$1000.00} to help cure my XXXX. I bargained and he agreed to {$250.00}. I send him the money through XXXX on XX/XX/XXXX. He immediately contacted me back saying he needs to send me stronger medication and asked for another {$500.00}. Again I bargained and he agreed to {$150.00} which I send through XXXX on XX/XX/XXXX. Then he said he has my package ready and needs me to send {$1000.00} for prayer. That's when I knew he was a fraud. He posted my package on instagram which had my personal information so others started calling me telling me he is a scam artist and that his medicine has made them sick. Others asked me if he is legit because he keeps taking money from them. I asked for my money back but he blocked me. I than reached out to my my bank which is Bank of America to reverse/retrieve my {$400.00}. They opened a claim number ( XXXX ) but then the bank got back to me and said they will not be able to retrieve the money even though it was a scam. 
The scammer 's info is as following : XXXX is XXXX XXXX  messenger XXXX XXXX. Or Email : XXXX His XXXX account through this : XXXX XXXX. XXXX  XXXX XXXX # XXXX. Checking acct # XXXX Account : XXXX XXXX Country : USA Amount $ Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ny. XXXX