davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-14
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. (CA)

I contacted Chase after a huge ordeal with XXXX. I rented a vacation rental and had numerous issues with the host. She would not respond to message or phone calls. My date was quickly approaching and XXXX told me to cancel the reservation ASAP because the host wasn't communicating. I spoke to several people at XXXX and 2 of which promised a refund. That refund never happened. I called Chase to file a dispute. The date of transaction was approx XX/XX/18. I provided Chase additional information on the dispute on XX/XX/18. Yesterday I saw they rebilled my credit card for the disputed amount. Chase has never called or sent a letter in regards to this. I called Chase and was told they sided with XXXX. They didn't care that XXXX promised a refund and hat XXXX had sent a disclosure. The disclosure is null and void as the host didn't communicate with me. How can I stay at a place where the host is non responsive? XXXX agreed to refund me and now they refused. I attached the additional info I sent Chase. Also, included a screenshot of my convo with XXXX. I had several other conversations on their phone line.
Consumer complaint received 2018-05-14
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (NJ)

Dear CFPB : Submitted Taxes Return for 2016 IRS sent letter stating we owed + {$4000.00} more dollars. 
IRS stated in default if not fixed immediately. 
Trying to set up payment plan with IRS, will not until 2016 is resolved Called Wells Fargo, working on it. 
Wells Fargo applied Lates Fee 's to a Mortgage Credit Refund, which DI NOT result in a check refund, but did alter out tax return. 
Required to fix IMMEDIATELY or IRS will put LEAN on house.
Consumer complaint received 2022-08-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (NY)

Hello. XXXX XXXX XXXX XXXX XXXX has submitted a claim to my insurance company under out of network provider. I visited doctor on XX/XX/2021 for who is in network. I spoke to insurance twice and was advised to call medical practice and ask them to submit claim under in network provider for them to pay dues. I sent 4 messages to XXXX XXXX XXXX department through consumer portal and received response that claim is submitted under in network provider which is not the case. 
XXXX XXXX XXXX department has referred case to Harris & Harris of Chicago collection which is constantly harassing me. I have met all my deductible and insurance is ready to pay claim if submitted under in network provider. 
I need help please to resolve this issue. I have all the proofs from insurance that claim is not submitted under in network provider. 

Thanks. 
XXXX XXXX
Consumer complaint received 2022-04-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I was affected by XXXX which caused a financial hardship in XX/XX/2022. I contacted XXXX XXXX in reference to account # XXXX and they made accommodations on my account and removed the 30 days late fee. Under the Cares Act my account should be reporting as current on my credit report for the month of XXXXXXXX XXXX. I am requested that the 30 day late be deleted from my credit file.
Consumer complaint received 2022-04-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I have several closed Charged off accounts on all 3 Credit Reports XXXX. Equifax. XXXX. The Accounts have been Charged off and Closed for 5 years Ive Disputed with Open Dates that are Inaccurate on all 3 Credit Reports and the Balance with Proof and they only update my Credit Report the Accounts should be Deleted due to inaccurate information and Falsely reporting On My Accounts. They are stating I cant Dispute these accounts No longer It is illegal to Report Inaccurate information according to the FCRA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX
Consumer complaint received 2021-07-28
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: Santander Consumer USA Holdings Inc. (MA)

CHRYSLER CAPITAL IS REPORTING FALSE LATE PAYMENTS. I HAVE BEEN DISPUTING ONLINE AND I HAVE SENT LETTERS FROM XXXX XXXX XXXX. I AM NOT SATISFIED WITH THE RESULTS OF THERE FINDING. I KNOW THAT THE PAYMENTS WERE MADE ON TIME. THE DATES I AM DISPUTING ARE XXXX, XXXX. XXXX, XXXX, XXXX, XXXX, XX/XX/2021. I RECEIVE A CALL FROM CHRYLER CAPITAL THE LAST WEEK OF XXXX AND THEY STATED THAT THEY WOULD DO A XXXX DAY THOROUGH INVESTIGATION OF MY LOAN. I RECEIVE A CALL BACK FROM THE COMPANY ON XX/XX/XXXX AND THEY STATED THERE FINDINGS WAS CORRECT AND THEY WOULD NOT BE ABLE TO PROVIDE ME A DOCUMENT OF THERE INVESTIGATIVE WORK. ACCORDING TO FCRA THEY ARE SUPPOSE TO PROVIDE ME A COPY OF WHAT THEY " INVESTIGATED '' CHRYSLER CAPITAL IS PRACTING FRAUD BEHAVIOR.
Consumer complaint received 2022-04-11
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. (UT)

ON XX/XX/2022, I CONTACTED XXXX XXXX. CREDIT REPORTING TO DISPUTE THE CREDITORS LISTED ON THE FTC ID THEFT REPORT THAT IS ATTACHED TO THIS COMPLAINT. 
WHICH IS THE RESULT OF THE LISTING OF FRAUDULENT ACCOUNTS ON MY XXXX XXXX XXXX CREDIT REPORTS. 
FOR SOME REASON XXXX XXXX AND XXXX XXXX HAVE NOT REMOVED OR BLOCKED THESE FRAUDULENT ACCOUNTS. 
I AM A PERSON WITH A XXXX I CAN NOT NOT FILE THE NESSARRY LEGAL COURT DOCUMENTS RIGHT NOW, SO I NEED THE HELP OF THE CFPB DEPARTMENT. 
TO ENFORCE THE FCRA RULE OF LAW.
Consumer complaint received 2023-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP (CA)

I opened a US Bank checking account in XX/XX/2023 with a promotional code XXXX. I found this code and link directly on the US Bank public website and then I proceeded to click on the link which took me to the account opening instructions and also pre-populated the promotional code for me. I carefully read the requirements needed in order to qualify for the {$400.00} account opening bonus ( direct deposits totaling XXXX or more within 90 days of account opening ). I met these requirements in XX/XX/2023. The bonus was never paid. 

I followed up with US Bank several times and was told by several different representatives that I had met the requirements. Ultimately my query was forwarded to the US Bank promotions department who explained that the code which I had found using a public link was a targeted code that was sent out via mailer and only recipients of this mailer qualified for this new account opening bonus. I re-iterated that I had found the code on US Bank 's public website and that nowhere during the application process was there any obvious warning or disclaimer that customers were targeted and therefore could be denied the bonus.
Consumer complaint received 2022-08-23
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. (GA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-04-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (GA)

I received a fraudulent call about an account I never had. They said if they didn't reach me at home they'd need management or security present and to sign as a witness so I could be served documents pertaining to this debt of more than XXXX $ to U.S. bank which doesn't even exist where I am located. Said they'd been trying to reach me for days and if they didn't reach me tomorrow XX/XX/2022 between XXXX XXXX they'd send the papers back as denied to be signed. They only had the last 4 of my social and the last 4 digits of a non-existent account.
Consumer complaint received 2022-11-28
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ProCollect, Inc. (LA)

I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. 
My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Consumer complaint received 2021-06-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: ARVEST BANK GROUP, INC. (AR)

THye opened my account XXXX, XXXX, 2021. Last year I wrote a check or used my card which is covered by overdraft and they shut down my account and told me if I paid off the debt I could reopen the accopunt. SO Yesterdfay I went to reopen the account and then call Arvest account line to get my online username established and they tell me my account will shut down in 14 days. They have lied to me I paid my overdraft protection and which you can use it with your debit card so they are being discriminatory towards me and I would like my account opened immediately or else they can look at discriminatory action on their behalf. I need my account left open and the branch to approve of this because it is apart of my coverage. THank you Very much and look forward to hearing your input on such circumstances. XXXX XXXX XXXX
Consumer complaint received 2022-08-23
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the account, as it is already corrected from the other bureaus. You have 30 days to CORRECT this account listed below : XXXX XXXX  XXXXDate OpenedXXXX Balance : $ XXXXLate/Closed Late Date XX/XX/21
Consumer complaint received 2017-01-31
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I LIVE IN A BANK OWNED HOUSE. I WANT TO BUY IT. BANK HAS NOT acknowledge or help me. In Me buy it.THE HOUSE I LIVE IS SOON GON NA SELL.I WANT TO BUY IT
Consumer complaint received 2022-08-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (GA)

There are 2 entities reporting a past-due account in collections for XXXX XXXX. The entities Convergent Outsourcing and XXXX  XXXX are both reporting a past due amount of {$350.00} to {$400.00} owed to XXXX XXXX 

These are both fraudulent accounts and not authorized by myself. I have never opened any personal accounts with XXXX and currently have a business XXXX account that's current since XXXX. 

Attached items are .... 
Proof of ownership of my current Business Account, Business Articles of Incorporation, Convergent Outsourcing Letter dated XX/XX/XXXX Verifying Fraudulent Account, Proof of Fraud/Identity Theft reports .

Thank you
Consumer complaint received 2022-04-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (AL)

I recently opened a checking account with US Bank. They chose to put a check on hold for over XXXX business days. 
I requested them to void that transaction so I could just go to the bank and pull the funds myself in cash from the place the check originated. 
They said this was impossible, I then moved all the funds from that account and attempted to close the account, but they said I couldn't due to pending transactions. 
Attached is a screenshots showing no pending transactions. 
They are going against my rights as a consumer by refusing to close the account. 
I also requested a supervisor XXXX different times, each time all supervisors were in meetings, and 'would call me back ', which also never happened.
Consumer complaint received 2016-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NV)

Look identity thief is the hardest thing to fix I will not pay for help to fix it this why I have had XXXX XXXX and XXXX I will not spend the rest of my years trying to correct this. It XXXX for someone to be low life and get stuff ber my name the only credit card I have is through my bank since XX/XX/XXXX. I 'm tired of all this because that 's how companies make money not from me, I live on XXXX a month I do n't even get bye there are XXXX items that should have been removed in XX/XX/XXXX went I sent first dispute to XXXX I will not continue to do it again they failed the first time. Funny my Senators replyed to amusing.
Consumer complaint received 2021-02-11
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. (FL)

In late XXXX of 2020 I booked 2 tickets for round trip to XXXX for XX/XX/2020. When the global pandemic of COVID19 grounded all international flights I contacted the website ( XXXX ) where I purchased my tickets about a refund. They told me I had to request it from the airline, so I contacted the airline ( XXXX, who were the ones who charged my card ) and requested a refund. They told me I had to request it from XXXX. I was in the middle of this back and forth for months. I then reached out to Chase for assistance in getting a refund but my claim was denied and the charges were deemed valid Im not disputing the validity of the charges, Im requesting a refund because travel outside the US is not feasible at the moment or for the foreseeable future.
Consumer complaint received 2022-08-22
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-08-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (TX)

Hello, I am filing a complaint because I have a loan with Shellpoint Mortgage Servicing for my property in XXXX, TX. We have had this property for several years now and recently Shellpoint contacted me stating that I did not have insurance on my property and that they were going to place a premium insurance of their own on my property while I got my own insurance, however the rules were that I had to find {$400000.00} worth of coverage for my less than XXXX square feet, XXXX bedroom condo. Every single insurance company that I called obviously rejected me because the coverage I was asking for was far too high for the size of the property. As a result, while XXXX trying to place an impossible insurance on my property, escrow has become greater and greater which is bizarre to me and makes absolutely no sense. I owed less than {$1500.00} to own the property and now due to falsely stating that I have no insurance, all together in order to pay off my property, I owe roughly about {$10000.00}. I felt at a loss of hope, but after looking up reviews online from several different review websites, there are SEVERAL reviews that state the EXACT SAME scenario as ours.
Consumer complaint received 2022-04-11
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)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # 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 that a consumer reporting agency can not furnish an account without my written instructions.
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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : EXPERIAN BUSINESS CRED XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN BUSINESS CRED XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (AR)

Earlier in the year I divorced from my ex-wife. As part of the divorce she wanted to keep the XXXX and it is financed through XXXX XXXX XXXX in my name. In an attempt to provide the company with her banking information, they deleted the auto pay information which I had setup at the beginning of the loan and never missed a payment. Over a month later as I was reviewing my account for an unrelated issue, I realize I now owe what is about to be XXXX payments. I called and asked what was going on and they blamed me saying I was the one that canceled the auto pay. Why would anyone cancel their own auto pay and then just not pay it for a month and a half causing them to miss their first payment on any account in almost XXXX decades and in the process ruin their credit? They refused to fix it so i made both payments that day and brought the account current. They turned me over to the bureaus as delinquent anyway. I filed a dispute and it came back a few days later indicating no change would be made.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

XX/XX/2021 XXXX XXXX  UNAUTORIZED HARD INQUIRY REPORED. XX/XX/2021 XXXX  XXXX XXXX UNAUTHORIZED HARD INQUIRY.
Consumer complaint received 2022-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC (OH)

I received a letter from Homeside Financial saying that the servicing of my mortgage was going to be transferred to Lower XXXX as of XX/XX/XXXX. I was given a number for lower, when i called XXXX there was a recording saying that if I had automatic payments set up, I didn't need to do anything but it may take a few days longer for my payment to be posted. As of XXXX it had not posted so I called the Lower number and was told that the transfer did not occur over the weekend and that it was still with Homeside. Latere that evening I received an email from Lower stating that the transfer didn't go through, but not until well after my phone call to them. I logged on to my homeside account and the payment still had not been posted. I called Homeside ( also on XXXX ) and they submitted the payment for me that was due XX/XX/XXXX and also reset my account to automatic payments. I asked about the interest from XXXX to XXXX and she said she had put a note in the request that I didn't think I should have to pay the interest for 4 days because they stopped my automatic payments. I was told it would take two days to post. As of XXXX my mortgage payment still had not posted, so I called again. I was told it would process that evening. XX/XX/XXXX my payment still has not processed so I phoned again. She said that the payment was just submitted on XXXX and it would take two days to post. I told her that it was submitted on XXXX and not XXXX. What happened to the payment from XXXX? she said that I should have been told it would take 6 days. So why was it 6 days on the XXXX when I called and two days from f the XXXX. I asked her about the interest that has accrued since XXXX and she didn't really answer me but said my posting date would be XXXX. I also have yet to receive any letter from Homeside saying that the transfer of servicing never occurred. I have this week until the grace period is over for XXXX.