davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (MD)

I refinanced my mortgage in XX/XX/XXXX, with my mortgage finally transferred to Chase for servicing in XXXX. My biannual property tax bill due in XX/XX/XXXX was not paid by any of the companies involved with my refinance or mortgage servicing, and I received a overdue tax notice On XX/XX/XXXX. I immediately notified Chase by phone and they assured me they would take care of the bill right away. I sent an image of the bill through their Secure Message Center, and received confirmation from Chase on XX/XX/XXXX and " Please rest assured I have forwarded your request to our Tax Department for review. 
Please allow 7 days for processing. 
Please keep in mind, it could take up to 30 days for the payment to process and reflect on your monthly statement. '' I called on XX/XX/XXXX to check the status, but there was no further information. 

On XX/XX/XXXX, I received a Final Notice Before Tax Sale from the county property tax office. I logged on to my account to see no payment had been made from my escrow account for taxes, I called Chase immediately to check the status. The tax department representative told me no action had been taken on paying my property tax bill, but they would process the payment right away. 

I am concerned that Chase will be slow to pay this bill, or not pay it at all, sending my home to a tax sale.
Consumer complaint received 2021-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (GA)

The credit reporting agency XXXX faced a global security breach, resulting in millions of consumers personal information being exposed. As a result of this, I am a victim of identity theft. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to bring this information forth to a judge in my area, to file suit against your company for reporting this fraudulent account to my XXXX, XXXX, and XXXX  credit reports. If you do not immediately remove these inaccurate and incomplete accounts in 1 business day, I will move forward to file a suit against all companies involved. I have never done business with your organization ; I have done my own research it is absurd that your company would put something like this on my credit file. Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. Any person who willfully fails to comply with any requirement imposed under the Consumer Credit Protection Act, is liable to that consumer in the amount of {$1000.00} any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} or in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater, such amount of punitive damages as the court may allow and in the case of any success action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

AssetCare your company is currently reporting a fraudulent account to my credit file in the amount of {$1400.00}. It is absurd that your company would put something like this on my credit file. I know for a fact that I have never done business with your company. I have attached my police report, as well as my legal affidavit from the Federal Trade Commission. If this account is not removed from my credit file in one business day, I will ask my lawyer to move forward with filing a suit against your company. I have attached my FTC FORM as well as Police report. This accounts should be removed from my account as soon as possible.
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

on XX/XX/2021 I sent a letter regarding inacurate and unknown things on my credit report to this day, 40 days later I have not received a response yet. I feel like I am getting token advantage of due to the lack of not responding to my consumer complaints when addressing it to the corresponding. Now I am forced to take this route. My information is suspected of being impacted with the Equifax, and XXXX  data breach, it may have gotten in the wrong hands. please help me remove these unknown addresses link to my credit report.
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AXOS FINANCIAL, INC. (HI)

I opened three accounts at AXOS bank in XXXX XXXX, CA online. One personal and two business checking accounts for an accounting practice and one for a non-profit. The bank locked our account several times, allowed fraudulent checks to clear ( reported to FTC ) and refused to accommodate my medically documented hearing impairment after I requested email or text messages. The bank then notified us that they had " closed '' the account after refusing access to our funds, around $ XXXX total. An employee called their number but they refused to return our funds or transfer to the requested account. They have kept our the funds for several months after closing the account and refuse to update my account for a new adress, sending paperwork deliberately to the old addresses to avoid returning the funds. As a result I was unable to rent an apartment during the pandemic thereby suffering homelessness and health issues, my credit card bills that were on autopay were unpaid causing damage to my credit, both of my companies suffered tax and employee filing delinquency and penalties as a result of the bank locking and then closing our account after their security failed to detect thousands of dollars of obviously fake checks being written from the account. They need ton return the money from all three accounts to the correct adress immediately and refund all fees incurred. Also they need to refund the hundreds of dollars worth of fees for " retired items '' due to the " locking '' of the account without our knowledge causing scheduled bills to fail
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

My identity has been seriously compromised and left me with fraudulent accounts on my credit files in which is now in ligation. I'm demanding that these accounts be removed from my credit files. 

1 ) XXXX {$2800.00} 2 ) XXXX XXXX {$1700.00} 3 ) XXXX {$620.00} 4 ) XXXX XXXX
Consumer complaint received 2021-04-06
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. (SC)

There are several inaccuracies on my credit reports that i didn t authorize and these accounts are violating my rights accordng to the FDCPA. Any bad debt furnished on your reports are ruining my reputation and its defamation of character. 

XXXX XXXX {$80.00} XX/XX/XXXX XXXX XXXX {$80.00} XX/XX/XXXX
Consumer complaint received 2020-09-08
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: Nationwide Credit & Collection, Inc. (TX)

I have had these accounts on my credit that I have been trying to get off and they have not been getting taken off for some reason. I got in touch whit XXXX and was told that there was no longer even a balance to the fraud account that is reporting on my credit from them and they have failed to provide me with any documents of any signed documents showing my signature with the date because the date it says the account was opened in XX/XX/XXXX I was not yet living in XX/XX/XXXXand there are no XXXX in XXXX XX/XX/XXXXwhere I moved from. Also the other fraud accounts just started reporting and I do not know how a hospital collection would even end up on a credit report because my aunt is a nurse and informs me they ask people multiple times for them to verify themselves and I dont know how someone could of got my information to use it to go to the hospital. I have the letter attached that I sent to the bureaus about this and the date for when I sent it.
Consumer complaint received 2018-03-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Recently I logged into my Bank of America portal and I noticed a charge on two separate accounts. One account is business checking account and {$1200.00} was debited on XX/XX/2018, and another account is personal family joint checking account and {$2200.00} was debited on the same date XX/XX/2018. These transactions were initiated by the bank by utilizing what they call " Setting OFF '' I never heard of this before, but after doing some research it seams that it is legal. However, my business was not doing well due to not being able to get insurance coverage because my drivers got into too many accidents in one year. This had put a screeching hault into my operations. In addition I was in the midst of my divorce and was not able to put 100 % of my time and my mind into running the day to day operations. I was trying to stay afloat, and pay for things that needed immediate attention like vehicle leases, insurance, workers comp. employee salary, as well as roof over my head and food. As you can imagine my surprise when I saw money being withdrawn without my authorization. One of the accounts, the family joint checking account from where {$2400.00} was taken out, is an account which is shared with my brother, and most of that money is not mine to give! I am shocked and in distress because of this. I have been on XXXX for the last 3 months because of my divorce and other issues, and to have this fall on top of my head out of the blue without any formal notice is making me XXXX XXXX. I spoke to Bank of America and told the agent that my XXXX XXXX is up and that this is not the right way to handle this situation. After all, I could have a XXXX XXXX and XXXX. From whom they will get their money then? I asked her if it would be possible to take {$1200.00} for now and give me a chance to catch up to the rest. She had no good reply. I dont know what to do. This is just very XXXX. I am ready to simply give up. Please let me know if you have any answers or solutions fast. Thank you kindly.
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

On or around XX/XX/2021, I noticed an account was opened at XXXX under my name and identity. The account was open fraudulently. I went to XXXX and notified them, did a police report, filed an FTC Identity Theft complaint, and placed a fraud alert on each of the 3 credit bureaus. Ever since XX/XX/2021, I have been going to XXXX and letting them know of the issue, asking for their help in resolving the problem. On XX/XX/XXXX, I sent a formal letter to XXXX on the matter, and provided copies of my SS, Driver 's License, FTC Complaint. As of today, nothing has been resolved, and the account still shows up under my name and in my credit files. XXXX has never contacted me back on the matter.
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: BMW Financial Services NA, LLC (NY)

Evidence of non-compliance with my report. Injurious reporting of non-compliance, failure, non-certified information on my report and its negative impact on my financial situation. 
XXXX and XXXX non compliance and violation.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I checked my credit report and I am upset on what I found out. There is late payment remarked on it but I did not incur any late payments. Thoroughly investigate it and make a necessary action. Here are the details of the late payment accounts, company name, balance & date last reported : XXXX XXXX/ {$0.00} / XX/XX/2019
Consumer complaint received 2021-05-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (HI)

Complaint- SLANDER OF CERTIFICATE TITLE No 804-396 Recorded with Hawaii Bereau of Conveyance by XXXX XXXX XXXX XXXX XXXX 

XX/XX/2014 MERS ELECTRONIC REGISTRATION SYSTEM INC AS NOMINEE FOR XXXX XXXX XXXX the owner and holder of the Mortgage acknowledged the mortgage satisfaction and release of lien of my indebtedness. 

XXXX MERS Recorded the release as Doc No XXXX XXXX XXXX for Cert title # XXXX. 

XX/XX/2014 - XXXX XXXX recorded its Release as Doc No XXXX XXXX for Cert title XXXX. Four years later XXXX The same XXXX recorded a LP. LIS PENDENS against my property. as Doc No XXXX XXXX Attached are copies from XXXX XXXX XXXX now Recorded with Hawaii Bereau of Conveyance. 
I'd like to know if this is normal legal practice for a bank to file a lawsuit that it never intended to persue just so it can Cloud my title with this LP and more so after itself recorded a Released over a period of years back. 
This is davestated, and I truly want to know what is the LP for.
Consumer complaint received 2018-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Crown Holdings, LLC (MI)

XXXX XXXXXXXX XXXX XXXX continued to call me and eventually caused me to loose two days work. I told them my debt with XXXX XXXX was paid. They continued to XXXX my phone. Many times multiple calls in one day.
Consumer complaint received 2018-03-01
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: Credit Plus Inc (MI)

On XX/XX/XXXX, I disputed inquiries that are on my credit report for XX/XX/XXXX and XX/XX/XXXX from Credit Plus. 
Credit Pluss response follows : Thank you so much for contacting Credit Plus. We are reaching out to the mortgage company, XXXX XXXX XXXX to provide Permissible Purpose per Fair Credit Reporting Act Standards for making the credit inquiry, and will be sending all correspondence to you via postal mail Fair Credit Reporting Act ( FCRA ) defines the term " permissible purpose '' is defined as a reason that a consumer reporting agency may furnish a consumer report to any person or organization. Unless the purpose for furnishing the report is listed as a permissible purpose, it can not be provided without the individual consumers express consent. 

B. Users Must Provide Certifications Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose. 

Reiterating : unless the person has certified to the CRA the permissible purpose ( s )  for which the report is being obtained B. Users Must Provide Certifications Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose.

My questions ; Is Credit Plus claiming to be a Consumer Reporting Agency? 
WHY DOESNT CREDIT PLUS HAVE THE REQUIRED DOCUMENTATION? 

Here is the problem and a potentially big one. Why would Credit Plus need to reach out to XXXX XXXX XXXX for copies of A PERMISSIBLE PURPOSE document ( written/signed authorization from me )? 
Credit Plus claims they followed the law under 15 U.S. Code 1681b - Permissible purposes of consumer reports. But under that law it states very clearly for the extension of credit, they must have my written permission. 
" in accordance with your written instructions '' It seems Credit Plus has a policy that is reckless and violates the FCRA. Upon speaking with a Credit Plus supervisor " XXXX '' admitted they provide individual credit reports to creditors on a good faith bases. That is insane particularly in todays world. It means that any business employee can contact Credit Plus for any individuals credit report. 

Remove the inquiries from my credit report immediately by Monday XX/XX/XXXX
Consumer complaint received 2020-08-23
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: WELLS FARGO & COMPANY (NJ)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2020-11-04
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 (CO)

I have received notification from my credit monitoring agency XXXX XXXXXXXX XXXX XXXX, there was an inquiry reporting to my XXXX  credit file XX/XX/2020. A fraud investigator from my credit monitoring agency assisted by calling Synchrony/ PayPal to have the account and inquiry marked as fraud. 
The account was removed like committed but inquiry is still listed on my credit. 

After 120 days a dispute letter detailing that included a copy of my Social Security card, Copy of Driver license, and Copy of Utility Bill ( proof of Identity ) were mailed. 

On three separate occasions this has been mailed. 
Dates Mailed : XX/XX/2020 XX/XX/2020 XX/XX/2020 All three Letters have shown they were delivered to correct Address for XXXX. 
Unfortunately there is no way to communicate with PayPal at the moment. 
With the help of my credit monitoring agency, we have attempted to speak to someone calling numerous numbers and have not been successful. 

It has been 277 days and inquiry still remains on credit.
Consumer complaint received 2020-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CT)

After reviewing my credit report I found personal items that are not correct. 

My name is XXXX XXXX - please remove XXXX XXXX XXXX and XXXX XXXX XXXX My telephone number is ( XXXX ) XXXX - please remove ( XXXX ) XXXX My address is XXXX XXXX XXXX, XXXX XXXX, CT XXXX - please remove these addresses that I have never lived at or may belong to relatives. 

XXXX XXXX XXXX. XXXX XXXX, XXXX, CT XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX
Consumer complaint received 2022-10-12
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: WELLS FARGO & COMPANY (OR)

I went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are between XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2021-05-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Foris DAX, Inc. (CA)

On XX/XX/2021, I purchased {$2000.00} SHIBA and {$1000.00} ETH  with a verified bank card, and then I sent the ETH  to another wallet, and then my account was restricted. I tried to contact the customer representative and they asked I wrote my name, date and the name of their company on the white paper, and uploaded the selfie photo with this white paper for verification. I uploaded these files according to their requirements! But 11 days have passed, and there is still no solution, just answer that I am still under review, let me wait patiently! I can only watch my funds fall from {$3000.00} to {$1700.00}. But I cant do anything, nor can I sell! I am unwilling to bear these losses because I purchased it with a bank card that has been verified by them!