davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I received a letter from Chase dated XX/XX/2019 informing me they were closing three of my credit card accounts. I was traveling at the time this letter arrived at my home and first learned about the cancellations when a business did not accept one of my credit cards for payment. When I called Chase at that time, all they could tell me was " read the letter we sent you, we can not provide any other information to you ''. 
When I got home, the only reason for the cancellations stated in Chase 's letter was " our affiliate is ending their banking relationship with you '' ... I never understood what this means since I don't know what " affiliate '' they are referring to. 
Since I had no luck getting information from their Customer Service call center, I sent secure email messages on the Chase website to see if this would help answer my questions ( one of the customer service phone reps recommended this ). After a few Chase email replies suggesting to call customer service, and not getting any responses there, I realized I wasn't getting anywhere. The company switched from " you must talk to someone on the phone to get this information '' to " we can only answer you in a secure email '' and back again. 
I have a credit score of about 800 and have always paid my bills ( over $ XXXX/mo ) on time for several years. I am concerned that they have canceled my account because I have just recently become XXXX years old or some other unfair/unlawful reason and don't want to share this information with me. 
Please help.
Consumer complaint received 2020-08-13
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: EQUIFAX, INC. (CA)

On XX/XX/20. I spoke with 3 representatives at equifax to dispute a bankruptcy and multiple inquiries on my account which ones were from duplicate companies that I kept receiving notifications. I spoke with XXXX, whe told me that they were not allowed to give their employee ID I asked to speak to someone over her and then she notified she can get me over to another department to request a removal and then transferred me to XXXX, employee Id XXXX is what she gave me. I explained the situation to her and she wasnt much help, I asked her if she was aware of section 609 of the fair credit reporting act that states that courts do not have jurisdiction over credit reporting agencies and they do not report to the credit bureaus. So I asked her how was this information reporting if the courts did not report it. She hung up on me. I spoke with another rep which I did not receive his name at about XXXX pacific time. I asked him about the duplicate inquiries in which he told me that there was nothing he could do to remove them and that I would have to call each company individually to inquire about them I asked again to speak with a supervisor he put me on hold and 10 minutes later the prompter told me to press 1 again. The process started all over again. It has been a huge hassle dealing with Equifax for they dont even investigate as they're suppose to and they allow whatever on your report to sit there and do nothing about it. I feel my rights have been violated and I have taken every step to dispute the matter so here I am filing this complaint. Equifax does not care about the laws that govern their agency.
Consumer complaint received 2018-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

i have submitted a letter to XXXX on XX/XX/2018 regarding the negative items on my credit report and ask them to verify them bearing my signature within the 30 days allowed by law.i haven't received any information concerning this as of XX/XX/2018
Consumer complaint received 2018-09-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (AZ)

I have a bank account with U.S. Bank. I have made payments to companies where I tell them it is a " one time payment only '' and not recurring, etc. I have called US Bank to tell them not to let the charges go through. They tell me that they are doing a stop payment or that they will not let this happen and they do it over and over. They are letting everything go through on my accounts causing a great amount of overdraft fees. I now have to miss a wedding due to a XXXX overdraft fee on a XXXX charge. I have been assured in the past that this would not happen and it does over and over. I feel like they are doing this to obtain fees out of me and thousands of over customers. I am tired of fighting things and the bank not listening to me. They love to overdraft my account or forst post items to overdraw me. I feel that there are banking violations taking place.
Consumer complaint received 2020-04-24
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. (NC)

I received a copy of my credit report were a collection account appears with a outstanding balance the problem is the item doesnt have a outstanding balance. I have disputed the item several times and yet the credit bureaus still report it and havent provided a response to my dispute it has been over 45 days since last dispute. The collection company is XXXX in and out documentations are attached I previously advised that the account was opened as a result of stolen ID and although I paid the account to remove from file it should have never been placed on credit credit report police report attached
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I am experiencing negative credit reporting and negative impact on my credit score, this has resulting in reduced credit limit decisions on credit cards. COVID-19 has impacted my self employment. I want all negative credit reporting in 2020 removed from my credit reports from Equifax, XXXX, and XXXX. Also, XXXX  is taking a long time on their Data Hacking Settlement.
Consumer complaint received 2020-10-22
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: EQUIFAX, INC. (FL)

I have sent a lot of letters to the credit bureaus because I have a lot of errors on it. Also, Equifax have blocked my account and I wanted an explanation but I didn't have it. I sent 6 rounds of letters to the bureaus but I had nothing resolve.
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

Hi I've requested an accurate dispute to be investigated regarding several accounts I'm unaware of on my reports. I haven't been able to get this resolved and information or proof hasn't been sent to me from the said creditors showing the validation of these accounts.
Consumer complaint received 2018-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/18 I received a call from Mrs. XXXX XXXX Chase to tell me that their response to my original complaint will stand and that they will not change their response. She stated that Chase policy prohibits holding payments even though that was precisely what XXXX XXXX did to me. She continued to accuse me of being " behind payments '', " not paying '', " fail to pay '' and more just as they have done in their response to CFPB. I reiterated that " Forbearance Program '' means that the customer will miss a certain amount of payments ( hence the name of the program ) and that these payments will be repaid at the back end loan, Mrs. XXXX and Chase seems to have a disdain for those who customers who enter the program and stop at nothing to harras, threaten, hold payments, write accusatory letters, and make phone calls just like the one on XX/XX/18.
Consumer complaint received 2020-09-06
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2700.00}, {$1000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$2700.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$1000.00} -This is not my account.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted cfpb before on this matter with chime bank and they agreed to write it off and closed account but now I see that they have placed it back on my credit reports and not let them know that you can not report write off and in credit reports cause its considered income and according to regulations can not be reported. So why is it they resolved the issue by writing it off then go back to change it to still reporting is crazy and I want it completely removed from all credit reporting agencies
Consumer complaint received 2019-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy Reference # : XXXX
Consumer complaint received 2017-12-26
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA (GA)

Dear CFPB, I have one CD matured on XX/XX/XXXX at XXXX by Goldman Sachs. On XX/XX/XXXX, I had contacted this bank to give my order " Do Not Renew '', but this bank would n't take my order, saying just call on XXXX, so I did call today XX/XX/XXXX. 

This bank told me today, it would take 1~2 business days to close the CD Account and deposit it to my Savings Account. I had so many different bank accounts over the years, this is news to me. Goldman Sachs bank tries to drag this on, so that 10 day grace period is over, knowing there were weekend and holiday right after 23rd. 

If it drags on few more days, my CD will be renewed automatically against my will. 

This bank changed its name recently, so that they are separated from Goldman Sachs, just in case they are being sued. This bank is so out of control that I told them before, I will be closing my account as soon as CDs are matured. Even closing account is not easy anymore.
Consumer complaint received 2021-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NC)

I have been in repayment for the Public Service Loan Forgiveness ( PSLF ) program since XXXX. I have had 4 federal loan servicers during that time and the servicers have not shared information between servicers about the status of my participation in the PSLF program as my loans were transferred among servicers. From XXXX, loan servicers misled and gave wrong information that I was on a qualifying payment plan and did not respond to requests for information about PSLF program participation, and the current servicer has delayed for two years a review of qualifying payments that they have claimed were ineligible for the program. Meanwhile, the Temporary Extended Public Service Loan Forgiveness ( TEPSLF ) program funds are available and I certainly qualify for forgiveness.
Consumer complaint received 2020-09-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (FL)

My Wife and I obtained a loan in XXXX. Mr Cooper Loan Company later took over the loan and stated that the loan agreement rules from the original loan company will remain the same and said there will be no changes. When we obtained the loan we were told the loan would mature in XX/XX/XXXX and that would be the end of our loan and it would be paid in full. The Company never indicated that we would have to start all over on a new loan 15 years later XX/XX/XXXX to pay the loan off. Suddenly in late XX/XX/XXXX Mr Cooper loan company is sending us notices about about Continuing Payments when the loan was supposed to be Complete and paid in full in XX/XX/XXXX. My wife and I did not agree to keep paying anything after XX/XX/XXXX. I am asking you in good faith to look in to this loan for me and help me resolve this matter to end this practice. Thankyou in advance. XXXX XXXX
Consumer complaint received 2023-01-31
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC 1681section 602 states I have the right to privacy.

15 USC 1681 section 604 ( a ) states a consumer reporting agency can not furnish a account with out my written instruction.

Under 15 USC 1666 ( b ) a creditor may not treat a credit card payment open and consumer credit plan as late for any purpose
Consumer complaint received 2022-04-05
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. (MI)

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help
Consumer complaint received 2021-04-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC (IL)

American Credit Acceptance is administering my car loan payments in a fraudulent way. I signed a XXXX year loan ( from XX/XX/XXXX to XX/XX/XXXX XXXX for a XXXX XXXX XXXX. It's Year Seven and I am still paying on the loan AND THEY CLAIM THAT I STILL OWE {$15000.00} ON A {$29000.00} loan. They are fully prepared to charge for the next three years. That's 10 years for a 5 year car loan. Please help me get my Title from American Credit Acceptance. I am now at my Maturity Date and I have made all of their payments and XXXX additional payments in interest. They still want more. This is unfair. They are taking advantage of me.
Consumer complaint received 2020-10-12
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (OK)

To begin with thank you for taking a look at this. I hate to say it has only gotten worst since the fist complaint. When I wrote you I had written anyone and everyone I could trying to find someone to help. I got an email from Gov. XXXX 's office saying XXXX requesting XXXX reopen my account so I could file for benefits. With in a week I was set and ready to receive benefits. I called the card company to have them close the fraud account, and open a separate one for my self. Person I spoke with said I couldn't do that, but change my address, charged me {$20.00} dollars to get the card 15 to have it shipped in two days. N the date XXXX & XX/XX/XXXX of XXXX deposits where being added to my card until the 2nd from the last, then there was withdraw of {$3900.00}. The card company said that XXXX  DID IT, the fraud department said it said XXXX did it, XXXX said they did not show they didn't show they didn't do it, I would have to deal with them myself. Finally XXXX  emailed me saying it was the card companies mistake and I should get the money any day that was another week ago, the gentleman I was dealing with hasn't responded since the XXXX. And as far as the card company they have the rudest Customer service department, waits as long as 3 hrs. And I still can't use the on line account because the old user name, password and email are still set up from the fraud. When I try to reset, it sends it all to the fraud account email. So other than calling them, I have no way to talk to them, I've spent over {$20.00}, in charges to contact someone. So to be honest, I don't know who has the money or who you should talk to. It has been over 14 weeks since first day that I had filed ( XX/XX/XXXX ). Because of this I've used all my savings, maxed out 2 Credit cards, lost assets, my place to live, dropped my credit score, and spent more time on hold going back and forth, than able to job search. All I want right now is the {$3900.00} back right now so my son and I can get back in our house. I'll send you the 3 most recent Emails I have gotten other than that until I can get inside of my online account and send a copy the transactions. 

Thank you XXXX XXXX
Consumer complaint received 2018-09-18
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Received call on XX/XX/XXXX from ( XXXX ) XXXX at XXXX Received call on XX/XX/XXXX from ( XXXX ) XXXX at XXXX Received call on XX/XX/XXXX from ( XXXX ) XXXX at XXXX Received call on XX/XX/XXXX from ( XXXX ) XXXX at XXXX etc. 

3-4 calls every single week, they don't have a valid debt they're trying to claim, have been calling for months and months, and have requested to be removed multiple times after telling them they don't have a claim. Nothing stops them from calling.
Consumer complaint received 2019-11-01
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)

XXXX has been removed from my XXXX credit report. I have contacted XXXX, Transunion, and XXXX. They keep telling me that they have verified it. How? How are they verifying it when XXXX   removed it off my credit? 

XXXX keeps sending me a paper to have them verify the account for them which I am not going to do because it is not my job to do it and they should have the information if they are trying to verify. It is not my account. 

XXXX removed it and it is not accurate. This is the last final warning. If I do not get this removed off my credit report by the end of the year, I will file suit. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period multiple times. Since you are still reporting this account on my credit report, you are now in violation of the FCPA and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court.
Consumer complaint received 2018-09-18
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I spoke to XXXX XXXX XXXX for my XXXX XXXX credit account that I have court payment agreement to pay {$40.00} a month. The lawyer at XXXX received a prior complaint, however, he wasn't willing to negotiate removal of the charge-off. I have a payment agreement and I want my credit report to show I'm paying the debt and its no longer a charge-off. He refused. 

In all fairness, I am doing my part to rectify the payment of the debt. However, as a consumer, I want my credit report to reflect accuracy. ITS NO LONGER A CHARGE-OFF. Stop denying me my right to a fair report.
Consumer complaint received 2020-09-06
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: TD BANK US HOLDING COMPANY (UT)

Charged for XXXX XXXX XXXX XX/XX/XXXX that was cancelled XX/XX/XXXX. Submitted dispute XX/XX/XXXX stating premium care was cancelled and charge be reversed. Never received response on dispute in accordance with Reg Z. Billed {$1.00} Late fee on XXXX Statement and {$3.00} late fee on XXXX statement. Account was on autopay, but payment never taken.