davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-11
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: JPMORGAN CHASE & CO. (KY)

Unauthorized credit inquires on XXXX credit report. 3 Rd notice and refused to remove it from XXXX report. 

CHASE BANK XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX, 2017 XXXX XXXX XXXX   XXXX. 
See an error? 
dispute a hard inquiry Institution Information No contact information has been reported by this creditor.
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 — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

In XXXX of 2017 I turned in a lease early because I had a baby and was unable to use the two seater. When I received the bill and it was twice what it should have been, I asked for documentation and clarification that never came. Dealing with a newborn as a single mom, I let it go. 
Now over 5 years later, I have now disputed this debt nearly XXXX times over XXXX years. I have asked for proof and documentation over and over again, but all XXXX XXXX will send me is a negotiation for settlement. They clearly have my correct address and have refused, nearly XXXX times, to provide any sort of documentation. Yet will continue to falsely report and try to negotiate a settlement. 
The amount needs to be proven- its over double what it should be. The dates are almost all incorrect, including the last payment, the payments that were made, the open date and the close date. The payment history is also inaccurate. 
When they can provide how they got to the number they claim I owe, and can correctly report that information, I will stop asking them to do the right thing.
Consumer complaint received 2021-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (CA)

As a retail Chase customer, Ive had to bear the brunt of their recent policy decision to abandon email for account verification. Chase has chosen to ignore safe emails in favor of the dubious use of a phone for verification. Chase is apparently unaware that cell phone numbers are often fraudulently controlled by criminals, by means of spoofing, SIM swapping and gaining control over customer phone accounts. Chase is effectively encouraging increased fraud. In addition, not all persons have access to reliable phone service. There is no phone service where I live since there are no longer enough cell towers. Bad service affects not only rural locations, but increasingly urban ones too. By restricting customers to those with reliable phone service, Chase is discriminating. 
Based on data from XXXX XXXX, 82 % of XXXX Americans own a smartphone. Slightly less for XXXX and XXXX Americans. When further broken down by education, income, and location, there are larger disparities. For example, only 72 % of XXXX XXXX XXXX and only 71 % of XXXX XXXX have a smartphone. According to XXXX, only 74 % of people over XXXX own a smartphone. A phone or texting-based customer relationship cuts out at least a fifth of Americans ( XXXX XXXX ), and categorized by some groups, about a quarter ( XXXX XXXX Americans ). Chase shareholders, beware that you have an economic interest in a major US bank operating in all 50 states that uses its verification policy to discriminate based on race, age, and location of residence. 
Legislators and regulators need to heavily regulate Chase to prevent such harmful conduct. Its mindboggling in this day and age, but Chase is obviously managed by XXXX XXXX XXXX under the dual premise of high risk-taking combined with heavy discrimination. Unacceptable to customers and investors, and hopefully to employees.
Consumer complaint received 2021-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (IN)

I'm only XXXX years old and I've never applied for a credit card. I figured that it's time to start building my credit so I applied to the Discover it secured credit card on XX/XX/XXXX. When I got the I got the letter in the mail a week later, it stated that I wasn't approved with a credit score of XXXX. I've never had, nor used credit card before, so I was worried. I didn't know who to talk to as far as this issue until my mom and dad told me, which is why I'm filling out this complaint a month later.
Consumer complaint received 2020-08-29
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (MI)

Chase bank pre approved us for $ XXXX for a home mortgage. We found a house for XXXX. We had our offer accepted. Then we started the process on XX/XX/XXXX. We filled out our mortgage application with chase. We were told 21 days was their guarantee for closing. We were advised that it was ok to close on our home ( we sold it and closed on XX/XX/XXXX ) During the process chase blamed COVID-19 for a ton of issues. We were not updated regularly and tasks kept being assigned for the same issues. ( Paystubs, w2s .... ) we sent all of the documents multiple times. The mortgage specialist kept telling us our finances were approved and that we were on track. We heard nothing for 2 weeks. Chase wouldnt return our calls and our paperwork expired. Long story short ... It is now XX/XX/XXXX and Chase informed us that they can not validate my wifes income as she is self employed as a piano teacher. I spoke with a manger and was essentially told that there is no way they can approve the mortgage but XX/XX/XXXX and that it would be a miracle if they did. Chase bank is terrible. I had to apply with another bank and have to be out of my house by XX/XX/XXXX. Its unreal. I would never recommend them.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Transunion had a computer glitch that caused all of the inquires on my credit report to be deleted and my credit score increased. The very next week, all of the inquires were reinserted to my report without prior written notification in direct violation of Section 6.11 of the Fair Credit Reporting Act. I am requesting that the reinserted inquires be permanently removed from my credit report.
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ADIR INTERNATIONAL LLC (AZ)

This credit card account with Curacao has been closed and charged-off since XX/XX/2016 in the amount of {$850.00}. I've disputed this item several times on my credit reports. However, they are continuing to reporting inaccurate, incorrect and damaging information in clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). This is negatively affecting me by not allowing and affording me the opportunity for equal opportunity creditworthiness. I'm currently in the home buying process and this item is hindering me from proceeding.
Consumer complaint received 2018-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I bought something of XXXX from this person that I thought was legit. We did an offline transaction called XXXX. The person notified me that the item will be shipped tomorrow and if I changed or did not like the item that person would give my money back. The following day that person texted me stating that the item was shipped, I texted back asking if I was able to get the tracking number, the person did text back and stated she was driving and will get back to me. Hours pass and I still havent gotten a respond back .. that person blocked off my phone number .. and was unable to get a hold of that person. I called my bank ( bank of America ) and explain my situation and filed a claim. Today, I called and check the status of my claim and stated it was denied and for me to contact the person I had a transaction with. How am I supposed to contact someone that block me off my phone. I would of thought doing a transaction with XXXX through Bank of America was secured and would get my money back of XXXX. If anyone is using XXXX dont ever do offline transaction cause your bank will never help you and will be denied. This is a lesson learn for me, there are so many scammers out there!
Consumer complaint received 2015-07-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (TX)

After being lied to by an account specialist and then disrespected by a senior manager. I have overdraft or debit card privileges, to be honest I have overdrafts my account a few times but have numerous deposits that are automatically deposited in my account every month, I use those overdrafts on my debit card when I absolutely just have to and generally it 's on a bill. I was never notified that Chase Bank had made the decision to stop this after this account has been open more than 3 years. I pay my dues and even more from their fees that they benefit from, I find this unfair and kind of discrimination towards certain customers.
Consumer complaint received 2018-03-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TN)

I dispute roughly {$2000.00} in charges added to the payoff. These were for foreclosure procedures entirely the result of the loan servicer 's failure to provide regular statements during the entire term of the loan and it's inability of the company 's call centers to explain the charges. 

A compromise offer was made and repeated in a previous CFPB complaint. The companies response implied the matter could be discussed by calling a phone number included in the response. That number reached the same call center whose personnel are unauthorized and unqualified to negotiate. 

The company 's response avoided the issue of the settlement offers. Instead, it used the response as a ruse to close the complaint and move swiftly within days to foreclose without notice received. Surely this kind of extortion must be illegal. 

Throughout the dispute I have been misinformed as to who owns the lien and who I might reach for oversight to correct the malfeasance of the loan servicer and its foreclosure agent. 

This is a new complaint against actions the company took immediately after its misleading response to a previous complaint, as well as its failure to address the central issue or to defend the malfeasance that led to the charges in dispute.
Consumer complaint received 2020-08-29
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. (MI)

I had an account with the XXXX XXXX XXXX ( XXXX XXXX XXXX ) that was sold to a creditor XXXX XXXX XXXX for delinquency. On XX/XX/2020 I paid the debt in full to XXXX XXXX XXXX with the guarantee in writing from them that on XX/XX/2020 the account would be deleted from all three of my credit reports. This account has not been deleted and is still showing delinquent on my credit report. I filed a complaint with the XXXX XXXX XXXX in which XXXX XXXX   stated that they requested that this account be deleted from my credit report. This account has not been deleted and is damaging my credit. I submitted multiple disputed to all three bureaus and every time they reply back after an investigation saying that the debt/account will remain even after I provide then with the documents from the company stating that the debt is paid and it should be removed, along with the complaint letter from the XXXX XXXX XXXX.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-11-16
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. (MS)

On XX/XX/2020 I mailed a letter requesting an investigation about inaccurate accounts listed on my credit report. I never received a response so on XX/XX/2020 I mailed another letter. it has been 5 months with no response and these inaccurate accounts are still showing on my credit report!!!!
Consumer complaint received 2020-11-16
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. (OH)

I have submitted TWO REG Z BILLING DISPUTES TO XXXX AND THIS WILL BE THE FOURTH COMPLAINT! They just removed one month of negative reporting but left one still being reported!!! - They need to FULLY FIX MY CREDIT REPORT!! AND NOW THEY SEND ME A SBILL SHOWING XXXX DUE!! I 100 % dispute the late payment reported by XXXX AND THE BALANCE DUE. My account number ends in XXXX and the last four of my SS # is XXXX. I have been impacted by XXXX. I was admitted to the hospital in XXXX. Not only did I have the virus and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES AND CALL ME ONCE THAT IS DONE! In either XXXX or XXXX, I was able to call XXXX and I had also filed a Reg Z billing dispute and sent to the designated address. The rep I spoke with saw the dispute in review. At that time, I paid the balance of my account but all a {$35.00} late fee THAT WAS IN DISPUTE! That was the only amount due. She told me, I would receive a written response. I NEVER RECEIVED IT! Not long after that call, I was back in the hospital due to complications from XXXX. I was just sent home yesterday. I was unable to take any action or call anyone regarding this account! XXXX needs to remove ALL THE NEGATIVE REPORTING THAT HAVE REPORTED AND TAKE MY BALANCE TO XXXX AND CLOSE MY ACCOUNT!!! THEY ARE IN TEH WRONG HERE!! HOW DO I OWE {$110.00} WHEN ALL I " OWED '' WAS {$35.00} THAT WAS IN DISPUTE??!! THEY NEED TO GET IT TOGETHER AND RESPOND TO THEIR REG Z DISPUTES AND COMMUNICATE WITH CUSTOMERS!
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX RE : INQUIRY REMOVAL While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX, XXXX XXXX, Dated : XX/XX/XXXX XXXX XXXX XXXX, Dated : XX/XX/XXXX XXXX XXXX, Dated : XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX, Dated : XXXX XXXX XXXX XXXX & XX/XX/XXXX XXXX XXXX XXXX, Dated : XX/XX/XXXX XXXX XXXX, Dated : XX/XX/XXXX XXXX XXXX, Dated : XX/XX/XXXX, XXXX XXXX, XXXX, & XX/XX/XXXX XXXX XXXX XXXX, Dated : XX/XX/XXXX & XX/XX/XXXX XXXX XXXXXXXX, Dated : XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX, Dated : XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give permission to furnish this information on to my credit reports. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also demand the credit bureaus to produce a contract between them, I, and the consumer bearing my signature showing that I gave permission to furnish any information on my behalf. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that they have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611. 

Best Regards, XXXX XXXX Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2018-03-29
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: DISCOVER BANK (MI)

Been getting more calls and letters from Credit card companies and/or their lawyer that I never had credit with clamming that I owe them {$3000.00} to {$7000.00} for monies transfered to a discover bank account that I do not have,,,,, This XXXX have been going on for over 6 yeas now!!!! When I called Discover they would just say computer error or hacker " we take care of ''. They have total recked my credit. I can not refinance my home, MY home owners insurance and car insurance is higher, They have coat me over {$50000.00} not counting the money they had transfered to their fake accounts!!!!! 
iI never had a XXXX or a XXXX XXXX  or more then 6 other that Discover Bank took money from!!!!
Consumer complaint received 2017-04-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is against??? for reporting credit information to the credit reporting agencies that was a result of Identity Theft I 've asked in my letter that the negative reporting ceases and the information be removed from my credit report.     I want the negative credit reporting to cease and for the collection account to be deleted from my credit report
Consumer complaint received 2020-08-29
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: Experian Information Solutions Inc. (MS)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (WI)

I had a credit with Barclay. The continue to report the status of the account as 60 days past due to 2 of the credit bureaus. This makes an account that is closed and paid in full report as an active delinquent account. they failed to report payments made after a missed payment which would have taken the account back to current status with the credit bureaus. They knowingly are doing this to keep this account delinquent seeing I closed the account after issues with their system accuracy. The account was never 60 days past due