davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (CA)

On XXXX- I Submitted CFPB Complaint # XXXX. To J P Morgan Chase Credit Card Services.  About a week later a ( Un Named ) Chase Executive Office lady Representative phoned me and told me letters of Credit card Closures dates, balance amounts for cards ending in XXXX and XXXX, were on there way. Few days later one billing statement arrived for one card. I phoned on XXXX XXXX to Chase customer Service # XXXX, when I received billing statement and left her voice mail message that statements WILL NOT FULL FIL COURTS REQUIREMENTS FOR LOSSES IN A FEDERAL COURT ACTION and she had till XX/XX/XXXX when CFPB told me that the Chase Response letters were due back to CFPB. 

This Lady phoned me back and did not understand my voice message and wanted to just talk about things unrelated to previous message left by me on her Voice message. I did return a phone call to her, but rang so many times I got fed up with Chases ( gas lighting run-around tactics ) now no English combredo XXXX I hung up. 

Chase Executive Credit Card Department does NOT NEED 60 Days to type a Chase letterhead letters containing the Credit Cards Closure Dates, and Charge off balances due it takes 2 seconds with Chase on the phone to get this information, can not REDUCE THIS INFORMATION TO WRITING Chase closed my Chase cell phone app to get particle info.

This a Legal request to comply with so I can present them as damages to the XXXX Circuit Court of Appeals to get what is due Chase, from a third party that embezzled my income! 

I have been asking for these letters from Chase Since XX/XX/XXXX and no Federal Judge will tally All your XXXX billing staments!

One more statement I DID NOT AUTHORIZ
E any one else to makes purchase on my cards under Purchase Interest Fees and Chase DID NOT NOTIFY CONSUMERS of a Chases self imposed enrichment fees with a 30  day fee change notice to consumers!

And WHY does Chase bank do not cash their own Chase Bank Checks?!!

If I do not get these letters from Chase soon I will SUE J P Morgan Bank! For NOT COMPLYING WITH A FEDERAL DOCUMENTS To SHOW AS EVIDENCE DOCUMENTS AS I HAVE REQUESTED AND FRAUDULENT CONSUMER BUSINESSES PRACTICES! 

And Chase you wipe clean these two credit ratings as poor off my Credit reports and state Excellent ratings from this customer! Because J P Morgan Chase refused to comply with a legal Federal request from consumer to prove Embezzlement of another party Crime!
Consumer complaint received 2021-09-26
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. (MD)

I wrote to you requesting an investigation into items that I believed were INNACCURATE I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.
Consumer complaint received 2019-10-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC (CT)

I discovered two colllections for XXXX XXXX for service to a Rhode Island building that had burned down on XX/XX/2015. Service and billing was extended long past the date of fire despite service being disabled by Fire Department ( building was completely consumed ). In addition bills were sent to an address to Texas where I never lived. 
I negotiated with XXXX XXXX pay for deletion which they referred to Transworld Systems who responded in agreement, and I made my payment, but it is several months after payment and many letters later, and Transworld Systems still will not delete the collections despite the billing errors and written agreements and follow up letters requesting the deletion be honored and the billing error.
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Mr. Cooper Group Inc. (NY)

I filed a complaint with the Consumer Finance Protection Bureau a few days ago against XXXX  XXXX XXXX and Nation Star Mortgage. 24 hours after filing the complaint, which had nothing to do with the information reported by XXXX XXXX XXXX on my credit report my closed and paid in full Mortgage loan was removed from my Credit Report. 
I received a phone call yesterday and voicemail message from XXXX XXXX XXXX Regulatory Compliance Services XXXX ext XXXX. 

This call was a response to a complaint I opened regarding the banks non compliance with XXXX XXXX mortgage settlement and {$10000.00} they owe me via a lien they refused to remove, even though they sent me a letter promising to do so. Once I tried to sale my home the Bank stated ignoring my phone calls and refused to talk to me. So during the escrow process I had to pay them the {$10000.00} or loose the right to sale my home. 

The removal of my previous payment history is retaliation and another example of the XXXX XXXX XXXX unethical business practices. I called Regulatory Compliance at XXXX   XXXX XXXX 10 times yesterday and they never returned my call. The XXXX system is being abused by XXXX XXXX XXXX and it's a violaion of of my rights
Consumer complaint received 2019-10-04
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (NV)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that DEPT OF ED/NELNET has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never 30 days late in 2016 any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2021-09-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: M&T BANK CORPORATION (MD)

On XX/XX/2021 I authorized a transfer of {$2800.00} to my son, XXXX XXXX, via my XXXX  XXXX XXXX Checking account, using the Bank 's XXXX online banking transfer tool. The recipient Dropdown for my son, XXXX XXXX, was loaded with a mobile phone number which I trusted to be his mobile phone number. However, that mobile phone number in the dropdown was off by one digit. My son 's mobile number is ( XXXX ) XXXX but the number shown in the XXXX dropdown was ( XXXX ) XXXX. I contacted XXXX  XXXX XXXX that same day after speaking with my son and learning that he did not receive the transfer and has no XXXX account, I asked XXXX  XXXX XXXX to correct the matter and return the {$2800.00} to my account. They explained that they can see the transaction in their system and that the error is not theirs and the funds appear to have been routed to an M & T Bank account but they can not identify the specific recipient. They said they will have their appropriate department investigate ( XXXX claim # XXXX ) and if indicated follow-up with M & T and hopefully the transfer can be reversed. Two weeks later I received a letter ( Dated XX/XX/2021 ) from the investigations Dept. at XXXX  XXXX XXXX saying, " Unfortunately we are unable to approve your recent claim because our records indicate that we completed the transfer according to the instructions you provided us, and therefore no error occurred. Based on this your account won't be credited. However, as a courtesy, we're researching your inquiry with the other party in an attempt to recover the funds for you, and will notify you if we need additional information. Keep in mind it may take up to 45 calendar days for us to hear back from the other party. If we receive any additional information from them we'll contact you. ''
Consumer complaint received 2021-09-26
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC. (CA)

XXXX XXXX XXXX CEO of EXETER FINANCE CORPORATION filed a California Secretary of State CERTIFICATE OF SURRENDER ( XXXX ) XX/XX/XXXX ; signed by corporate officer XXXX XXXX. The date XXXX XXXX XXXX CEO of EXETER FINANCE CORP. fraudulently assigned themselves to this null and void contract was XX/XX/XXXX according the consumer reports gathered from XXXX, XXXX and XXXX that violates a cease and desist ( continued reporting is communication and a violation of cease and desist that they fully accepted, acknowledged and is binding ). XXXX XXXX XXXX CEO of EXETER FINANCE CORP. surrendered their rights and authority to transact interstate business in the state of California. XXXX XXXX XXXX CEO of EXETER FINANCE CORP. revoked their designation of agent for service of process in California. XXXX XXXX XXXX CEO of EXETER FINANCE CORP. is attempting to force me to collude with their illegal business activities. XXXX XXXX XXXX CEO of EXETER FINANCE CORP. is using abusive debt collection practices and is causing me injury. After doing a UCC 11 Search with the Secretary of State of California, no liens or legal debts exist for XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CEO of EXETER FINANCE CORP. pursuant to 15 U.S.C . 1635 this is an official document to exercise my right of rescission, Nunc Pro Tunc for any contract, transaction, information, and my signatures associated with this account. Thank you and XXXX Bless.
Consumer complaint received 2021-09-27
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: SECURITY FINANCE CORP (GA)

I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2021-09-27
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: EQUIFAX, INC. (TX)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2021-09-27
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. (IL)

You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.
Consumer complaint received 2021-09-27
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. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2021-09-17
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. (TX)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2019-10-04
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. (NY)

THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THESE ARE ACCOUNTS THAT I DID NOT AUTHORIZE AND I HAD NO IDEA THAT SOMEONE HAD ACCESS TO MY PERSONAL INFORMATION. I AM IN DISTRESSED BECAUSE THESE DEROGATORY ACCOUNTS HAVE CAUSED DAMAGE TO MY FILE AND HAVE PREVENTED ME FROM ATTEMPTING NEW CREDIT. PLEASE LOOK INTO THIS MATTER AND HAVE THOSE INACCURATELY PLACED ACCOUNTS OFF MY CREDIT FILE.
Consumer complaint received 2021-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (FL)

On XX/XX/2021 at approximately XXXX  - XXXX I deposited {$550.00} in cash into a Citibank ATM located in the drive through lane of Citibank branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX I inserted by debit card into the ATM, entered the pin, inserted the cash. The ATM accepted the cash, but it acted as if I did not insert anything in it. It did not give me a receipt for the deposit. I waited in the drive through lane for a while, and later went into the branch to complain that the ATM took my cash. The branch manager said that he couldn't do anything, and that I need to call the XXXX number at the back of my debit card. 

I called the XXXX, and was told that they would investigate and issue a credit for the deposit. I received a letter on XX/XX/2021 advising me that " there was no cash discrepancy for that location on the date in question '' and therefore Citibank will " deduct the provisional credit ... within five business days from the date of this letter. '' As a result, the Citibank ATM stole {$550.00} from me, and the bank is refusing to give me a credit for the cash.
Consumer complaint received 2021-09-17
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. (FL)

Received notification from Equifax that my dispute had been resolved, and that the disputed information was accurate. Therefore, I contacted the collection agency but they were unable to locate any file on me or any indication that I had ever had an account with them. I also called the original creditor, my account with them is in good standing, and always has been. They too were unable to find any evidence that I had ever been past due with them. Lastly I called Equifax. I was placed on hold by their computer and eventually another computer came on the line and asked me to rate the conversation. I never had a conversation with them as no person ever picked up the line. 

I would like to know how Equifax decided that the past due account was mine given that neither the collection agency nor the original creditor was able to locate a past due account of mine, or that I had ever had a past due account with them. My account with the original creditor is, and always has been in good standing since opening. Further, the collection agency had no record of me at all. I have never received any communications from either company about a past due bill. 

I can only conclude that Equifax did not do their job and has no information linking me to the collection account in question. Their statement to me that the disputed information is accurate is fraudulent. I therefore request that the collection account reported by Equifax be permanently removed from my account and I would like an apology from Equifax for reducing my credit score.
Consumer complaint received 2021-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I have been calling for months trying to get my stimulus checks released to me! I have faxed numerous documents to the fraud department and they keep adding additional paperwork and then when I call too see if they receive it they are hanging up on me. I just want my money.
Consumer complaint received 2022-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

My mortgage loan transferred from XXXX XXXX XXXX to Shellpoint Mortgage in XXXX, XXXX. However, not all of the funds in my Escrow made it to the second servicer during this transfer process. The second servicer, Shellpoint, claims that the first servicer, XXXX, paid my property taxes before the transfer. But, the first servicer expressly denies doing so. Even their year-end 1098 statement says property tax payments were {$0.00}. So, I'm in a catch XXXX here. XXXX claims they sent $ XXXX to Shellpoint. And Shellpoint claims they received only $ XXXX. Lost {$6000.00} in Escrow with neither parties willing to help me.
Consumer complaint received 2020-08-18
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (NC)

I called Freedom Mortgage back XX/XX/2020 and spoke with XXXX XXXX. During this conversation we discussed my financial situation and that I was looking to see if I would qualify for a VA loan. I told him my financial situation and I gave him authorization to pull a hard pull on my credit report so that he could review it and give me pre authorization for an amount on a loan. Right now times are crazy with buying a house and there are multiple offers being put on homes. On several occasions I spoke with Mr. XXXX about my approval making sure everything would be good for the loan. He even went to the extent to send me Closing worksheets so I would know exactly what I would need at closing. My real estate agent even had many conversations with him in regards to the approval. So, I had no change in my job or financial status everything stayed the same. I had to put {$500.00} of due diligence money down with my offer on a house. The contract here in NC reads that it is not contingent upon me getting mortgage approved. Well, I would have never given the money if I knew that there was any chance that the loan wouldn't go through. I was told to go find a house and make an offer so we could move forward. I found a home made an offer gave them my due diligence upon the advice of Mr. XXXX and thought all was good. Then after sending contract to him I get a call saying that I would need {$24000.00} in reserves or a co-borrower. First of all with a VA loan the only co borrower would be my husband which is not employed at this time. They knew that, so {$24000.00} in reserves?? So, I contacted other mortgage companies and in the pre screeening they told me they would advise me to wait another year with good credit for my score to raise and also to fulfill the requirements of the VA loan. During my prescreening I feel that Mr. XXXX didn't properly screen me, so now I am out of my {$500.00}. Even Mr. XXXX has called me and apologized and admitted his wrong doing and that he will now be asking more questions when he pre qualifies anyone. I then spoke with the Branch Manager with Freedom Mortgage here in XXXX NC and he basically told me that my contract I signed was wrong and that the sellers owed me the money. I sent him a copy of the contract and then he just kept saying he would check with his legal department to see if they would pay me the {$500.00} I put out on the professional advice of Mr. XXXX. He has not responded to me and I have filed 2 complaints with Freedom Mortgage Corporate and I have gotten zero response. I think that if your representative is not knowledgeable in VA loans he shouldn't be representing your company and give false advise. Please help me in getting them to accept the full responsibility by paying me the {$500.00} back that I lost.
Consumer complaint received 2022-08-03
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. (MS)

Despite multiple written requests, this unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received.This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXX Balance : {$4100.00}
Consumer complaint received 2021-09-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WA)

Money was transfer from Chase bank to a cryptocurrency platform. Each top up channel require to request a bank account transfer and the account freeze without permission to withdrawal. Was not aware all accounts is fraudulent and how can I deposit and can not withdrawal? Chase need to protect the safety of their customer 's account and need to investigate these fraud transaction. Ask XXXX to return my money and their bank is known for money luring. 

XXXX {$1000.00} XXXX {$10000.00} XXXX {$100000.00} XXXX {$60000.00} XXXX {$20000.00} XXXX {$50000.00} XXXX {$20000.00}
Consumer complaint received 2022-12-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC (TX)

hello, my name is XXXX XXXX. 
i wish get help for resolve my problem. 

i open a ria account and i link my bank account for send money to my cousin in XXXX XXXX and i dont know why the account was disable inmediatly. 

i called verification deparment and they denied to help me to resolve the issue. 

Why the company offer a service and denied to help custumer. 

i wish ria be able to help me this time becouse i just try to send money with my bank account. i think is nothing bad to do that. 
my email address is XXXX phone number XXXX