davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (OR)

Not able to access to my online banking. 
XXXX locked. 
Online Banking Acess Locked. 
Called Chase Bank Many Times more than 3 hours of my time. Still Not solved. 
Keep routing to Fraud Department in XXXX  Nothing Solved. Security questions not sufficient. Even I never lived they will ask me how many years I lived. None but failed. Asking My XXXX 's birthday even I divorce about 20 years ago. Last work. Keep failing. I have to keep calling once it fails. The banks, financial institutions, using XXXX and XXXX to rerout for the customer service, and experiencing all ways a problem Some refuses to transfer to Supervisor in the US. Some never do.
Consumer complaint received 2022-09-22
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. (LA)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared on my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2018-12-05
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: Clarity Services (FL)

Clarity Services inc did has misleading info on my report with them on XX/XX/2018 i was dined credit due to the neglence and misleading report that was made by Clarity Services inc due to their negligence they must remove all negative items at my request. i was dealing with this firm for over 5 years and they did not send any thing back to prove that i had any business with them or their people they are reporting. 

Questions i ask and demanded and their field to do such infestation the list as fallowed 1 prove that this debt is mine 2 showing me a statement that bares my signature 3 written contradt that i let them take the info about me and prove that i agged to the people they say i owe and or reporting false info about me.
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (NC)

On XX/XX/2021, a wallet belonging to me was stolen. This included credit cards and specifically my Chase credit card. 

That card was charged for over {$1500.00} of fraudulent charges. On XX/XX/XXXX I called the company and had them mark it as fraud. 
On XX/XX/XXXX I received an email from Chase saying the review of the fraudulent charges was complete and a letter was posted to my account. When I went to review my account, no letter has been posted and no letter since then has been posted in my account section as detailed via the email. 

In addition the charges were reapplied without receiving a letter on my account or via mail and even on XX/XX/2021 I still have not received a letter or any writing to evidence the review. 

When I called the company on Monday XX/XX/XXXX, I was told the fraud had been denied and I needed to provide additional evidence. They did not once reach out to me during the initial review period spanning XXXX XXXX XXXX. 

Within 30 minutes I provided detailed emails showcasing the police reports and conversations. When I called back on XX/XX/2021 the company could not provide any new updates because they still needed more evidence that the purchases were fraudulent, while they charges remained on the card increasing my current balance and potentially impacting my credit score and refusing to issue temporary credit while investigating the claim.
Consumer complaint received 2022-08-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The inaccurate accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX Balance : {$8600.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$7400.00} XXXX XXXX Balance : {$5700.00} XXXX XXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2020-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

XXXX XXXX who held my mortgage went into bankruptcy and LoanCare took  over my loan as of XX/XX/XXXX. I made 2 payments to LoanCare through XXXX  XXXX XXXX Bill Pay on XX/XX/XXXX in the amount of {$1700.00}. and also XX/XX/XXXX in the amount of {$1700.00}, but they posted to my old acct # I had with XXXX . I have made more than bi monthly call to LoanCare explaining what happened and trying to get this resolved. They did a reversal of 1 payment and posted it to my account on XX/XX/XXXX but never posted the second payment. I faxed them copies of the bank transmittal from XXXX  XXXX XXXX showing them the Electronic File Trace Numbers on XX/XX/2019, XXXX XXXX, per a supervisor named XXXX 's instructions telling me this would take care of the problem. It was never taken care of. Since XX/XX/XXXX I have sent every payment certified mail return receipt so that I have proof of payment. I call every couple of weeks and get the run around they tell me they will fix the problem and call me back and no one ever does. I get monthly delinquent notices from them, they have reported me monthly to credit bureau as delinquent, when I have made every payment to them in a timely manner and my credit is being destroyed. They raised my payment because they said my escrow is insufficient when if they would just post the payment that would not be the case. I reported them to the XXXX XXXX, after that I received a letter from LoanCare saying they would look into the problem. There were ( 21 ) attempts on XX/XX/XXXX, on my account to rectify the problem and in the end all that happened was my principal amount owed to them changed {$5.00} in there favor. i DONT KNOW WHAT ELSE TO DO!! I feel like they are stealing my money and ther is no accountabilty on there part.
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

Im writing because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX-XX/XX/XXXX & XX/XX/XXXX-XX/XX/XXXX for my XXXX  XXXX XXXX/XXXX account Ive contacted all 3 credit bureaus for these late payments to be removed but still no resolution.
Consumer complaint received 2021-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MD)

Nationwide Credit , Inc., is attempting to collect a debt that is not overdue, is not in collection, and the account is open and current. 

I have attached copies of my OPEN account, showing the account is active with not payment due.
Consumer complaint received 2021-10-08
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: CBC Companies, Inc. (TX)

Innovis credit reporting agency is inaccurately reporting my payment history. My last payment on my account was XX/XX/XXXX. They are reporting that my last payment was in XX/XX/2021. In addition the comment section of my report is also incorrect. They are reporting payment deferred which is incorrect. How can this company properly investigate my claim in 5 days and advise me that me information is accurate. I am frustrated and have submitted a letter from XXXX XXXX Mortgage supporting my dispute and requesting them to update my report. Innovis has failed to follow XXXX XXXX Mortgage request. I am seeking assistance from CFPB in resolving this matter with Innovis. 
* The comments below was copied from my Innovis credit report and pasted below * Here are their findings : Initiated : XX/XX/2021 Additional Information : Please be advised that my account is not in deferrement. I would like this status removed from my Credit Report. Please confirm with chase bank Status : Investigation completed on XX/XX/2021. The item has been verified. Please review the report for the most current information.
Consumer complaint received 2018-12-05
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: JPMORGAN CHASE & CO. (MS)

This company is reporting a credit card on my credit reports and refuses to delete the information. Ive disputed this account multiple times and it keeps returning as updated after only 1 day of being open. Ive asked the original furnished to provide to me verification in the form of the original consumer contract with my signature on it and all Ive received was a print out of the account with a list of information and no signature anywhere. They continue to report my information even when they have no verification. The credit bureaus also have failed to investigate thoroughly because if a human being actually investigated and not XXXX, they wouldve deleted this account a long time ago. The negative reporting is defamation of character and I am preparing to seek litigation for damages caused by the negative reporting.
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX XXXX XXXX, so CFPB help me and delete the account
Consumer complaint received 2020-01-31
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. (NV)

I have been denied credit due to identenity theift, I have an ample amount of account that were opened in my name and the credit bureaus are not allowing me to dispute these accounts with them online. I am not happy with the way this situation is being handled and i am asking that the cfbp steps up and make the credit bureaus do what is right by law. I am asking that this inaccurate information about me is blocked by the credit bureaus
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: LDF Holdings, LLC (NC)

Im not able to link my account with the company such as XXXX or Bright that is trying to help me repair my credit, save money etc. XXXX keeps refusing to allow even though Ive called them and asked for it to be allowed
Consumer complaint received 2022-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I need to unfreeze my credit reporting with Equifax for a mortgage loan application. On XX/XX/XXXX, I logged into my Equifax account to unfreeze my credit and received an alert saying that I should call them at XXXX. I called them and the Equifax agent was unable to access my account to unfreeze my credit reporting. I was instructed to mail a copy of my SSN card and driver 's license to Equifax Information Services, along with a cover letter. 

Equifax is the sole reason I froze my credit in 2018 in the first place. I had no problems freezing my account online but now I am unable to unfreeze my credit online despite the fact that I have a 10-digit PIN number that was supposed to be used to unfreeze the account without difficulties. They are requiring me to send sensitive information via mail to a company that has already caused so many problems in people 's lives due to their inability to handle sensitive information responsibly. 

Equifax is now the one and only barrier to my ability ( and my husband 's ) to move our mortgage loan application forward. I was able to unfreeze my credit reporting with XXXX and XXXX without any issues. 

Out of despair, I did mail the documentation they requested on XX/XX/XXXX and they already received it on XX/XX/XXXX at XXXX am. 

I am contacting the CFPB anyway because I read some scary reviews from other people who were unable to get Equifax to unfreeze their credit despite following all steps required by them. 

The fact that I had to mail my documents for them to unfreeze my credit is outrageous enough for me to make a complaint. I need them to know that CFPB is aware of this situation in order for them to unfreeze my credit as soon as possible. 

Thank you.
Consumer complaint received 2022-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO. (NH)

I was affected by the Tornado that struck my place of employment ( XXXX ), which resulted in financial hardship and caused late payments. XXXX  : XXXX Please remove any late payments from my account due to natural disaster.
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (TN)

I have a collection placed on my credit report with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, FL XXXX. 

I have never opened an account with this corporation and they have failed to provide me with a valid proof of debt. 
This negative information was placed on my credit report on XX/XX/2018 for the amount of { {$2100.00} }. 

I initially contacted them on XX/XX/18 requesting validation of said debt as well as provide the credit bureaus with my notice of dispute. I received random unsubstantiated unoriginal ( photocopied ) material and no acknowledgement to the credit bureaus of my legal right to dispute within 30 days notice. 

On XX/XX/18 I sent an additional time stamped, dated letter requesting additional information to which the lines of communication went completely mute and still no legally enforced notification to the credit bureaus of my dispute. 

I have been hindered in opening credit lines and purchasing a home for my family because of this negative information on my credit report. I am including tracking numbers as well as timed stamped certified letters with signatures that proves XXXX XXXX XXXX has received my disputes via USPS the dispute letters were received on. I also have dated credit reports that show my lawfully protected right to dispute under Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) have willfully not been followed by this company as well as several other violations. 

It has been more than 30 days and they have failed to respond legally. I am demanding this account be removed immediately due to lack of validity.
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

there is no sufficient information to support Equifax, XXXX  and XXXX XXXX claim. I have no financial obligation to these companies. I disputed this information last month but not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report -- XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX   XXXX, XXXX XXXX XXXX/XXXX   XXXX
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

What in the world is happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. I asked Equifax where did they get this information and provide proof of ownership but not a single account was proven to be mine. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX  ( Original Creditor : XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX ( Original Creditor : XXXX ) XXXX, XXXX  ( Original Creditor : XXXX ) XXXX, XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX   XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX
Consumer complaint received 2021-04-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AZ)

On XX/XX/2021, I sent in a letter disputing and challenging the accuracy of the item being reported on my credit report ( see attached ). Via section 609 letter of the Fair Credit Reporting Act ( FCRA ), I requested that Equifax provide debt validation and debt verification on this item. In addition, on April 7, 2021, I sent in a 30 day demand letter ( see attached ). It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). I demand that this item be immediately removed and deleted from my credit report.
Consumer complaint received 2022-08-13
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)

In accordance with the Fair Credit Reporting act this information has 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 instructions. This is in clear violation of my rights.
Consumer complaint received 2021-02-10
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. (NC)

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act, XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX 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 an account without my written instructions.
Consumer complaint received 2021-10-08
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (FL)

I purchased a {$500.00} Vanilla Visa gift card from XXXX for my wife 's birthday on XX/XX/21. On XXXX XXXX charges for XXXX $ ( in the span of two minutes ) were made on the card to " XXXX XXXX  ''. I've contacted Vanilla Visa Gift card and XXXX XXXX, to no avail.. 
I am reading online that I may be out of luck getting my money back/balance refunded on this scam, due to gift cards not being included on Visa 's liability policies. Somehow, the card was used anonymously with us never presenting the card, and its ' balance is now XXXX. Happy Birthday.
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 
XXXX/XXXX, XXXX/XXXX. XXXX/XXXX  XXXX/XXXX.
Consumer complaint received 2018-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NV)

Equifax removed XXXX XXXX XXXX XXXX from my credit report because they were reporting the account inaccurate, I called them and they confirm it was removed but now I order a new copy of my credit report and that account is back. Please remove this account XXXX XXXX XXXX XXXX from my credit report.