davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

We opened a new Checking account at Chase Bank at Address : XXXX XXXX XXXX XXXX, XXXX, CA XXXX There was a promotion that would give us {$750.00} if we completed all the required steps. 

We completed all the steps. Chase bank closed our account instead of paying us {$750.00}.
Consumer complaint received 2020-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (MD)

Acima Credit is committing an intentional tort against me via fraud and deceit. Currently, I am a victim of fraud and identity theft due to the negligence of this creditor. On XX/XX/XXXX I purchased furniture from XXXX XXXX XXXX. Acima credit works closely with this company providing credit to consumers. I was offered credit with Acima at the time of purchase contingent upon receipt of the furniture. On XX/XX/XXXX XXXX XXXX  was contracted to deliver the furniture to my residence and did not follow through with the delivery. To no avail, I went back and forth with XXXX XXXX in an attempt to receive the merchandise I paid for. Following a brief period of irresolution, I filed a complaint with my credit union disputing the charge to my bank account. On XX/XX/XXXX, my credit union determined via an internal investigation that my dispute was valid. This was due to a lack of response and no provision of supporting evidence on XXXX XXXXXXXX XXXX  behalf. 

Since the aforementioned incident, Acima credit is intentionally reporting fraudulent information to XXXX, with an intent to harm, for a debt in the amount of {$1600.00}. This debt is invalid and should be discharged as a result of the non-receipt of the merchandise purchased. I contacted Acima credit directly via written letter on XX/XX/XXXX informing them of the discrepancy and the creditor is blatantly refusing to discharge the invalid debt from my credit report. Acima has taken it upon themselves to steal my personal information, which was originally provided to XXXX XXXX 's furniture at the time of purchase, and is intentionally supplying fraudulent information to XXXX with the direct intent to damage my credit. Included in the letter to Acima was exculpatory evidence of the original dispute documents filed to my credit union, and the credit union 's response validating my dispute following their investigation. Upon receipt of this evidence, which would be found admissible in a court of law, the creditor is still refusing to discharge the fraudulent information from my credit report. 

Please find attached with this complaint more exculpatory evidence aligning with the details of my complaint against Acima credit. In the email from Acima offering me credit on the date of purchase, please note that the document clearly states the burden of proof confirming the delivery and receipt of furniture is the responsibility of Acima. This creditor was negligent in their dealings with XXXXXXXX XXXX and did not do their due diligence. They are using my personal/sensitive information to commit a crime against me with no intent to provide resolution.
Consumer complaint received 2022-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (TX)

I have a mortgage that is serviced by XXXX Bank. In XX/XX/2021 there was a freeze inTexas due to power outages. We have been trying to restore our house and move back in. Every check given to us by the insurance company has been meet with resistance by the Loss Draft Department within XXXX Bank. Needing the Insurance adjusters claim information, inspections, delays in receiving funds while they held them, requiring numerous calls to the Loss Draft Department and being on hold for 20-30 minutes before speaking with someone ( calls usually lasting 45 minutes to an hour ).

The last check received by the insurance company to finalize the construction has been held by the Loss Draft department for over 2 months. I have made 5 phone calls, again on the phone for hours, to hear they were releasing the funds and the monies never being released. In the interim I've had numerous contractors threatening liens on my property. i've elevated my dismay to the supervisors and now upper management. 

While I'm writing this, I've been on the phone with them for over an hour. IF I HAVE RESOLVE, THIS NEEDS TO BE STOPED AND THEY SHOULD BE REPRIMANDED FOR THEIR ACTIONS.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite sending them the last complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE FOLLOWING INQUIRIES ARE STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

XXXX, Equifax and XXXX are not allowing me to get my consumer report. I have requested to get a copy but these consumer reporting agencies have not given me full disclosure as to why they are not allowing me access.
Consumer complaint received 2022-08-02
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)

I have been a victim of the XXXX breach and will like to have this accounts remove immediately XXXX XXXX- XXXX - Unauthorized/Erroneous Account RESULT OF the XXXX Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX - XXXX Unauthorized/Erroneous Account RESULT OF the XXXX Data Breach Direct Violation of The FCRA Reporting falsely XXXX XXXX XXXX - XXXX Unauthorized/Erroneous Account RESULT OF the XXXX Data Breach Direct Violation of The FCRA Reporting falsely
Consumer complaint received 2022-04-14
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: EQUIFAX, INC. (AR)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Education XXXX 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.
Consumer complaint received 2022-01-09
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. (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX SS XXXX I am trying to correct the error ao my credit profile that is really causing me a lot of setbacks. I have someone else 's name on my credit that DOES NOT belong to me. 
My legal and full name is XXXX XXXX XXXX please DELETE any other variation of my name ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ). 

I am employed at XXXX XXXX XXXX. 
My current and only address is XXXX XXXX XXXX XXXX, OH XXXX. I was a victim of fraud and I am trying to protect the integrity of my profile. Please delete the following fraudulent addresse : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-08-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (OH)

An unauthorized transaction was on my checking account on XX/XX/XXXX via XXXX in the amount of {$2000.00} to XXXX. I called both my bank ( Chase ) and XXXX to dispute, with both entities stating they had enough information to investigate. 

On XX/XX/XXXX, I received details from Chase that the dispute was denied and I would be liable for the full amount from the information that they received from XXXX and that I would have to contact XXXX ( even though I already did ) and resolve through them. 

I contacted XXXX and they advised I would need to contact Chase in order to resolve. 

Chase did provide tracking information for the " purchase ''. I contacted XXXX who verbally acknowledged the delivery was to XXXX XXXX XXXX, XXXX XXXX ( which is not my address ). And the package was signed for by " XXXX ''. There is a signature on file, but I was told by Chase that they did not have to verify that the signature matched due to Covid19. 

Chase advised they can send me the documents they received from XXXX that was used to decline the claim but would take up to 10 business days, in the meantime, they would subtract the {$2000.00} from my account in 7 days unless I had proof to re-open the claim. But how can I review the documents and submit a claim if I may not get them until after they pull funds from my account? 

I have filed a police report and credit disputes with the three major credit agencies to assist in resolving this issue.
Consumer complaint received 2022-01-02
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: ID Analytics, Inc. (MI)

This letter is formal notice that you have failed to respond to my dispute letter of XXXX XX/XX/2021 within 30 days. I have enclosed a copy of the return receipt which you signed in my XXXX  complaint. I am maintaining detailed records of all my correspondence with you. 

You may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, Im sure you will want to handle this matter as soon as possible. As such, I have included a copy of my original request, the dated receipt of your reception of the original letter, and a copy of the proof of the mistake placed on my records. 

As a reminder, I am disputing the XXXX XXXX account collection status due to the litigation being thrown out in court. 

Please remove this error from my credit report as soon as possible. 

Sincerely,
Consumer complaint received 2021-10-22
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: EQUIFAX, INC. (VA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

Despite the student loan moratorium AND having asked for a forebearance to stop the harassing calls, I was still making payments as I was able. In spite of all that, in XXXX my servicing agent Navient reported my loans as 90 days late. Ive asked them to remove it, they refuse. How can they report a loan as ( not 30, not 60, but 90 days ) late during a loan moratorium. Its destroying my credit and preventing me from being able to secure a new lease on my apartment.
Consumer complaint received 2021-10-22
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: EQUIFAX, INC. (NY)

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Consumer complaint received 2022-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

In approximately XX/XX/XXXX, I opened a credit card account with Synchrony Bank to cover sewer repairs for my home. After being notified that I had been approved, I never received any further communication from Synchrony. 

Approximately XX/XX/XXXX, I received a call from a representative from Synchrony saying that the first payment was due and I could pay online. I had to be notified by phone because I never received a statement nor credit card. 

Since XX/XX/XXXX, I was making my payments online, with no further communication with Synchrony. When I paid my bill on XX/XX/XXXX, I noticed that the balance had doubled from {$4000.00} to over {$8000.00}. When I called to inquire why, I was told the interest had been added to the account because the promotional interest rate had expired. 

My issue is... I never received any communication from the company ; never received a statement nor a credit card since taking out the loan. Had I received any statements from the company, I would have known the promotion was expiring, and based on my excellent credit rating, I would have transferred the loan to a personal loan and not accrued the over {$4000.00} interest that negated all the payments made for 1.5 years that lowered the remaining balance to half of the loan amount. 

When I called on XX/XX/XXXX and was connected to a manager, I was told I had activated a card that I have never, to this day, received and that I enrolled in electronic statements, which I did not and also have never received by email. Based on the fact that I would have had to activate both the card and electronic statements, and I did not, it should not be hard to prove that I did not activate nor receive the statements nor credit card. When I expressed this to the manager and informed him that, if calls are recorded, as they claim, their should be proof that I did not call to activate a card. Additionally, there should be a record of the initial call that I received to be informed that the first payment was due because I never received a statement to inform me. When I relayed this to the manager, he hung up on me. 

I called back and tried to speak to a different manager who told me the same thing -- that I had activated both actions -- upon which time I informed him I would be filing a complaint with the Consumer Financial Protection Bureau. 

I simply want the interest charge reversed, at which time I can transfer the loan to a personal loan and be done with Synchrony Bank.
Consumer complaint received 2022-08-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$230000.00}
Consumer complaint received 2022-01-01
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: EQUIFAX, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the letter below. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house for my family.
Consumer complaint received 2022-09-30
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. (NY)

I am submitting this CFPB Complaint to follow up the previous CFPB complaint I submitted on XX/XX/XXXX, requesting that the Credit Bureaus remove the disputed accounts and information from my Credit File. On XX/XX/XXXX, I also sent a dispute letter to the credit bureaus asking them to delete the following accounts : XXXX XXXX XXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXX XXXX  XXXX Open Date XX/XX/XXXX Balance {$2400.00} XXXX XXXX XXXX Date XXXX Original Balance {$2900.00} XXXX XXXX XXXX  XXXX Date Assigned XX/XX/XXXX Original Balance {$570.00} XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX Original Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Original Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Original Balance {$1500.00} ; that are UNKNOWN to me. The Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ) requires the credit reporting agencies to delete all accounts and information no later than four business days following XX/XX/XXXX, according to the statute that I just learned about. This is something I've already mentioned in my complaints # XXXX, # XXXX, and # XXXX and is something I'm mentioning once more. If the Credit Bureaus assert that the disputed things belong to me, kindly send me copies of any documentation that establish my ownership of the disputed items or that include my signature. The items in my credit file should be immediately removed if I don't receive them.
Consumer complaint received 2021-10-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (AL)

XX/XX/XXXX Inquired with XXXX at XXXX about selling my vehicle. He called Ally on speakerphone to obtain a 10 day payoff quote. They told him that they only do 7 day payoff quotes. They gave him a quote for XXXX and said they would release the title within 7-10 business of receipt of the full payoff amount. 

XX/XX/XXXX Came back to XXXX to make the final sale. They issued me a copy of the check for XXXX and XXXX ensured that the accounting department would send it to Ally within the 7 days. 

XX/XX/XXXX Payment posted to Ally account for {$42000.00}, account paid in full 100 %, balance XXXX. 

Approx. XX/XX/XXXX Payment still showing posted to Ally account for {$42000.00}, account paid in full 100 %, balance XXXX. Reached out to Ally and was instructed that my account was paid off and the issue was being sent to a care specialist to correct the issue and set my account at a XXXX balance. The rep told me that my title should be received in about 10 business days after he verified that all my information was correct. 

Approx. XX/XX/XXXX Reached out to Ally via their message board : Received a XXXX payoff quote on XX/XX/XXXX. Sent full amount via check on XX/XX/XXXX. Payment posted to account on XX/XX/XXXX. I have called your company numerous times and there has been no resolution. Why is there still a remaining balance of {$82.00} on my account? 

XX/XX/XXXX Ally now says I have a payoff for approx. {$920.00}
Consumer complaint received 2021-10-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

I have 2 attorney trust accounts in JP Morgan Chase Bank. I received an alert of a pending transfer of money out of my account that I did not request. When I called I was informed that there was already one transfer and that the pending one could not be stopped. I was then told that there were transfers on another XXXX account as well. I made a claim for all the transfers. I was provided temporary credit on one account. I then received a letter stating that I authorized the transfer and the money would later be removed from my account. I called the bank several times and was left hold for hours with no response. When I finally had a chance to speak with someone, I was informed that there since I did not change my passwords or sign in from another device, Chase had to close may claim. When I asked for details about the transfer such as from where it was made and it they obtained a code to approve them, the representative stated that she did not have the details. They also do not have any information about the account into which the money was transferred.
Consumer complaint received 2021-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: SUN LOAN COMPANY INC. (IL)

I want to dispute every hard inquiry as fraud but not XXXX. 

XXXX : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX The following has charged off and I like them removed and closed due to the pandemic and I am at high risk of XXXX and can't work. 
1. SUN LOAN # XXXX 2. XXXX XXXX XXXX