davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-15
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: JPMORGAN CHASE & CO. (TX)

All these accounts show INNACURATE info and must be deleted according to my FCRA RIGHTS. THESE ACCOUNTS MUST BE DELETED IMMEDIATELY! I have sent multiple complaints requesting a full investigation of these accounts however I have not received any proof that this investigation was completed. I have attached my credit report as of XX/XX/2022 comparing all 3 bureaus showing each discrepancy 1. JPMB ( CHASE ) BANK ( XXXX ) This account contains incorrect information in regards to the account status. Payment status & History. I have made multiple attempts with the company to solve this and no investigation has been completed. Per 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof that every piece of information is accurate, these accounts must be deleted. Company has had more than 30 days to complete this investigation and provide proof
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NE)

After disputing my personal information with Experian the inaccurate address is still showing on my credit report. Experian stats that they can not remove the address because its linked to some accounts that i have also disputed. I have forwarded my FTC report and still have not had success in removing this inaccurate address that i have never resided at. 

My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Williams & Fudge, Inc (UT)

In XX/XX/XXXX I applied for admission to XXXX university. In XX/XX/XXXX I was forced to go help family out of state ( school would not of started until mid XX/XX/XXXX ) and notified the school that I would let them know if I will be able to attend, but not to order books or enroll me into classes. I did notify them prior to the start of the term that I was no longer interested in attending their school. Now I am getting collection letters from " Williams and fudge, inc. '' for {$530.00} stating that they are for " No show fees '' for not attending the school. I have explained that I never agreed to attend the school, and their own billing statement even shows that tuition was credited back to me, but the company keeps saying that the debt is valid because they have a bill in their office for it.
Consumer complaint received 2023-04-02
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: WELLS FARGO & COMPANY (GA)

The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX WELLS FARGO Acct No. : XXXX XXXX XXXX XXXX XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to a consumer a description referred to in paragraph by not later than 15 days after receiving a request from the consumer for that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show this bank is in direct violation. As Ive yet to be contacted via phone by any of these entities and they continue to report fraudulent accounts to my consumer file.
Consumer complaint received 2020-04-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (MO)

FCPB XXXX # XXXX XXXX XXXX, Originator XXXX XXXX We had filed a report as outlined above. We need to understand what steps, if any, the CFPB will take regarding the issues that Wells Fargo has ignored in their response. 1. They did not address the refund of the appraisal fees for their incomplete appraisal and refusal to finish the open items on the appraisal. 2. They did not address the issue regarding disposition of our application. We feel it is unacceptable for Wells Fargo to deny an application that they had agreed to approve. We were the ones that withdrew our application. We expect a written response with the detail on our withdrawal of the application. It is apparent they are trying to punish us for not doing business with them. These are two open issues and we can not / will not accept this until it is cleared. 

We would also like to be added to any and all class action suits. If you can not help us with this issue, please direct us to an agency that can. We have filed a notice with XXXX  in XXXX XXXX, IA. Would you recommend that State 's Attorney General which is our next step. This will not go away. We expect attention to this issue.
Consumer complaint received 2022-04-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BARCLAYS BANK DELAWARE (NY)

I got a new phone in early XXXX and since then, I have been unable to add my Barclay card XXXX to XXXXXXXX XXXX even though XXXX XXXX is at least theoretically supported by Barclay card as I had it on my previous phone. Since I got the aforementioned new phone I keep getting an error message saying that my card is not supported for a digital wallet whenever I go to add it. I requested a new card thinking that may rectify the issue and it did not. I called customer service and they supposedly opened a formal complaint regarding this and claimed that they would try and fix the problem within 30 days which have now well elapsed and I have heard nothing nor has the issue been rectified. I was given a statement credit of XXXX $ as compensation but would like the issue to be fixed and for my time to be adequately compensated.
Consumer complaint received 2016-12-19
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

XXXX XXXX, Citi Gold XXXX branch Manager, wasted my time and blew me off with his unprofessional false promises. He failed to identify I.D . over a serious phone call regarding my Credit card account. Even worse, he read out my account number without identifying me as THE customer. After talking with me for only a few minutes after confirming my name, XXXX XXXX told me that he had my account pulled up, and then he read off my account number. This is Unacceptable and Unbelievable!! Where is identity Security?
Consumer complaint received 2022-04-15
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. (NY)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  XXXX 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 2022-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/22, I deposited a check, in the amount of {$100000.00} at Chase Bank ( XXXX XXXX XXXX XXXX, XXXX, Florida XXXX ). The check was from XXXX XXXX XXXX XXXX regarding proceeds from the sale of a home. The check was accepted by the teller XXXX XXXX, XXXX # XXXX ). Subsequently, after reviewing my account, I discovered that the check for the full amount was placed on hold. I then checked my receipt, which included a notice on it stating that " Checks within this deposit may not be paid because of information received from the paying bank or due to information we have within our own systems. '' I reached out to Chase on XX/XX/22 and was transferred to their Fraud Department. I spoke to a representative who identified himself as XXXX. He informed me that they had suspected fraud, the check did not look real to them and that based upon my account history, I have never had any deposits that large in the past. He further stated that they will have to have to place the check on hold for 10 days, as they needed to verify that it is valid by taking it to XXXX XXXX in person to confirm that the issuing account had adequate funds to cover it. I informed him that I was aware that a large amount would not clear immediately, but that his explanation seemed irrational. I contacted XXXX XXXX XXXX XXXX and was informed that they did receive a call from XXXX after hours, but the caller did not leave a message. She explained that nothing was flagged in reference to the transaction nor were there any alerts received at their end. I have been a customer with XXXX for many years, including having mortgages and credit card accounts and have never had problems with my accounts regarding large or small deposits. Neither has there been any assigned late or overdraft fees. My current accounts can almost cover the prior mentioned deposit. 
I am respectfully requesting your assistance with resolving this matter and advising me of the outcome or how I may proceed. 
Thank You
Consumer complaint received 2020-04-19
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: Experian Information Solutions Inc. (NJ)

I frequently monitor my credit information. Having had my personal information released in several data breaches over the years, I am conscience to review my information. On XX/XX/2020 I noticed my credit score had decreased by over 100 points from the prior day. I saw noting in the report to support why this happened and have been unable to adequately research why this would be. The report was through Experiean. The website does not give any method to inquire why this would be or provide a venue to seek assitance.
Consumer complaint received 2017-04-08
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: REGIONS FINANCIAL CORPORATION (NY)

On  XXXX / XXXX /   2013 s omeone I do not know did a mobile deposit in the amount of {$2700.00}.   On  XXXX / XXXX /   2013 so meone sent that money via  XXXX   XXXX  to a unknown person. The bank did not wait for the check to clear and when it bounced I was told I was liable. The signature on the check is clearly not mine. My computer was hacked and my banking information was compromised.   For 4 years I have not been able to secure a checking account other than an internet bank.   I have a copy of the check and signature as proof it was not me.
Consumer complaint received 2022-04-15
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. (LA)

I sent a letter to the credit bureaus ( XXXX, Equifax and XXXX ) on XX/XX/2022 and they received each letter on XX/XX/2022 to remove incorrect addresses, phone numbers and past employers. I also sent a copy of my social security card, ID and proof of address which was on my ID and an Electric bill showing my address. It's been over 30 days and the incorrect information is still on my credit report. 

according to 15 U.S. code 1681i- procedure in case of disputed accuracy, the bureau failed to complete a proper investigation of my personal information and violated the FCRA XXXX
Consumer complaint received 2022-04-15
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: EQUIFAX, INC. (LA)

Fraudulent inquiries not done by me, three inquiries XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Affidavit and disputes sent to XXXX will not comply with deleting inquiries
Consumer complaint received 2016-11-21
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (FL)

We purchased the house, the lending company we got the loan through gave the wrong contact information to the insurance agency. They say they tried to contact my wife who was not the borrower on the loan, I was. I was never contacted about a dangerous dog form which led to them cancelling my insurance policy in XX/XX/XXXX. I never received notice from the insurance company or the mortgage company that my home insurance cancelled. The refund check for the insurance was stolen and my signature forged. The mortgage company sent me a letter in XX/XX/XXXX ( 8 months later ) saying that I had no insurance and were back dating and retroactively placing force placed on my house. my initial policy for the year was {$1100.00}. The mortgage company 's force placed policy was more than {$4000.00}. I have explained, and the insurance agency even wrote a letter describing my circumstances and asked for them to waive the insurance policy since the insurance was not used because no damage or claim was filed and they refused. the lending company, the insurance agency, and the mortgage company all three are not taking responsibility for the mishandling in the situation which caused me to incur such a huge increase in charges, and also the extremely over priced force placed policy.
Consumer complaint received 2022-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CT)

Last XXXX I paid my Macys credit card in full. I received a payoff figure and made the payment which left no balance on the account. I purchased an item with the card, which I immediately returned. The return was not processed and credited to my account for several weeks. Macys has charged me late fees and interest on this account for this purchase. The original amount of the purchase was {$28.00}. The balance currently on this account is XXXX which is comprised totally of fees.and interest. I have not used this card since that purchase in XXXX. Citibank is refusing to reverse these late fees.
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (TX)

Back in XX/XX/XXXX. I was solicited by Barclays for a choice privileges credit card .that promised XXXX points. IF you spent {$1000.00} in the first 90 days .so I asked if I used them for a balance transfer would that qualify as well and they told me YES .we can do a balance transfer and you will definitely quality for the rewards points. I asked several different representatives because I wanted to be sure I was receiving correct info. So I applied and received the card waited about 30 days to check on my rewards points becoming available and when I called to enquire I was told your points are not available YET usually takes about 45 days no worries your post will be processed soon .waited another 30 days still no rewards called again was told exactly the same thing it takes time to be processed. Finally I called back after about 75 days later and was told we're sorry that card doesn't qualify for the points INLY if you spend {$1000.00} in next few days can you revive it .which was impossible cus they had given me a {$1500.00} limit .I was so discussed IF had been told you can only recieve the points by purchased ..then I would have done it that way and made the purchases to get the points .now I have received no points plus been CHARGED {$70.00} transaction fee for the balance transfer .I understand sometimes representatives know more than others .but I was told repeatedly the card I was applying for would qualify me plus I was misled when I called to enquire .this just isn't a legit way to do biz or treat your customers I'm still furious it's been months they could have at least waved the bogus fees they charged me .I have spoken to a few managers and I have a case number but no one has offered me ANY kind of fair conclusion.they need to train their reps better .I feel completely ripped off and lied too the mangers leave a message when they are unable to get in touch with you but they never call you back and follow up - when I call I get put on hold you can't win with these croocks live and learn I guess I wasn't expecting this from a reputable credit card company I'm extremely dissatisfied
Consumer complaint received 2020-04-19
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. (LA)

I paid off this card to a XXXX balance on XX/XX/2020. I contacted XXXX XXXX on XX/XX/XXXX to inquire about closing dates and when the updated balance will be reported to the credit bureaus. The answer that I was given was uncertain but the agent opened an internal dispute to look into getting the information updated. After not hearing anything back, I filed a dispute with Transunion in early XXXX and XXXX XXXX incorrectly reported this information as accurate. As of today, XX/XX/XXXX, the account is still showing an incorrect balance ( {$2400.00} ) thus affecting my credit score and my ability to make purchases. I contacted XXXX XXXX again today and the agent that I spoke with stated that the previous investigation was closed and that she will reopen another. According to my records, XXXX XXXX has not reported anything to the credit bureaus since XX/XX/2020.
Consumer complaint received 2022-05-04
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. (MI)

I filled a dispute with XXXX and was unable to get XXXXXXXX XXXX  # XXXX removed from my credit report 1.This account was included in my bankruptcy 2.The account was paid in full before I filled bankruptcy I would like to have this account Removed Or be paid {$1000.00} for having my right to privacy violated because I did not give consent to have my information shared
Consumer complaint received 2022-04-14
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)

I have tried to resolve this with the credit bureaus. I am hoping you can expedite this for me? 
1. The following personal information is incorrectName : XXXX XXXX XXXX Name : XXXX XXXX Also Known As : XXXX XXXX  XXXX Also Known As : XXXX XXXX2. The following personal information is incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX 3. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. DOB - XXXX XXXX. XXXX XXXX : XXXXPlease remove this inaccurate information from my credit report. 
6. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
7. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
8. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
9. XXXX XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
10. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
11. XXXXAccount Number : XXXXPlease remove this inaccurate information from my credit report. 
The inquiry was not authorized US SM BUS ADMIN ODADate of inquiry : XX/XX/XXXX The inquiry was not authorized XXXXDate of inquiry : XX/XX/XXXX
Consumer complaint received 2015-11-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (MA)

Dynamic Recovery Solutions called my home and sent a letter here for a debt owed by XXXX XXXX. I do not know an XXXX XXXX and this person has never lived here or used this phone number. 
This harassment has been going on for over a year by this company. I have filed complaints, received an apology from the company, and the harassment starts again after a few months.