davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-23
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: JPMORGAN CHASE & CO. (FL)

I have attempted NUMEROUS of time to have this issue resolved... I noticed a couple months ago on my report, numerous of UNAUTHORIZED credit inquiry 's that WERE NOT solicited by me on my report.. I sent physical dispute letters on XXXX different occasions on XX/XX/XXXX, XX/XX/XXXX and A XXXX attempt on XX/XX/XXXX. The response I was given is that they are " investigating '' to verify the information every time and it resulted in the erroneous items still staying on my credit report and negatively affecting my score when I clearly stated such items were unauthorized and inaccurate. It has been well over 30 days since my initial dispute of this inaccurate information. Per the Fair credit reporting act companies have 30 days to conduct their investigation once that time has passed and the information can not be verified they have an obligation by law to remove it and once again NOTHING HAS BEEN DONE TO RESOLVE THIS MATTER. 

Both XXXX AND XXXX are violating the Fair Credit Reporting Act and my rights as a consumer. 
This is my final attempt before taking legal action to seek damages and exercising my rights as a consumer because there is a clear violation of FCRA 15 U.S.C 1681. 

XXXX INACCURATE REPORTING XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX JPMCB  - XXXX XXXXE XX/XX/XXXX
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (TX)

I have attempted to correct the reporting history on a closed account I had with BVA compass on two occassions. The company originally agreed to correct it but now has refused to correct it, with the most recent being XX/XX/XXXX. The complaint is on acct # XXXX under XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX TX XXXX. 

At issue : this was a 36 month installment account which was paid in full and on time in XXXX of XXXX. Apparently one of the instalment payments was made 10 days past the due date and a fee was charged to the account. I was never made aware of this fee or knew it needed to be paid. When I got a notification from my monitoring service this account was 60 days past due I went into investigate and found they were showing the account still open and 60 days past due. I immediately paid the fee and contacted the company to explain no one had informed of this fee and I had indeed made every installment on time and certainly prior to being 30 days or more late. If they had notified me in anyway a fee was due, I would have also paid that. They agreed on the phone to remove it. When several weeks went by and it was still showing I called again and they said they would look into it and respond. On XX/XX/XXXX I received a letter in the mail saying they would not remove the 60 day deliquency despite me never actually being late and them agreeing on a phone call with me earlier, to remove it. If any of my installment payments were 30 days or more late, I wouldn't fight this. That was not the case, however, and the delinquency needs to be removed as it was never communicated to me that there was a late fee in the history that also needed to be paid. I can not pay, what I don't know about. I did however pay what I was contractually obligated to pay over the 36 month term. Please help me get BBVA Compass to do the right thing and remove this account from all 3 bureaus showing it was ever delinquent.
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: OneMain Finance Corporation (FL)

One Main Financial XXXX XXXX XXXX XXXX has been disputed from my credit report for years and consistently asked to supply contract signed by me, with my drivers license, GPS location and they have NEVER supplied requested validation of debts, vehicle/s with loan attached was not only apart of divorce in which my ex husband was assigned the debt but also car/s was repossessed and nothing else is owed. They have continuously violated my FCRA AND VIOLATED CONSUMER LAWS by either NOT providing me with requested debt validation or removing their accounts from all of the credit bureaus on my credit file. 

XXXX XXXX  XXXX XXXX, have been reporting negatively on my credit reports for over a year and asked a dozen times to supply DEBT VALIDATION including, contracts, Id, GPS location and consent to service and have never supplied requested debt validation. They have repeatedly violated my FCRA rights and have been sent documentation noting these accounts were fraudulently obtained by my XXXX  ex husband with out my consent or knowledge, Ive provided a court order signed by a judge acknowledging that these debts do not belong to me and they have not stopped reporting these negative accounts. 

I am demanding XXXX XXXX, OneMain Financial, XXXX XXXX & XXXX XXXX remove these fraudulent accounts from my credit profiles with ALL consumer agencies as well as all three major credit bureaus immediately and to cease any further negative reporting permanently. But not supplying me with requested Debt validation documents within 30 days of disputes through all major credit reporting agencies they have violated my consumer rights by law.
Consumer complaint received 2022-02-02
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 (FL)

Barclay 's XXXX XXXX had excellent points/rewards. I had saved my points fo over 3 years amounting to over {$500.00} dollars in points/rewards. They changed the card to Barclay 's XXXX and my points are gone. I have called multiple times and I am told they will come back but it has been 4 months and I keep receiving the same response. This is a clear violation of terms and conditions and they seem to have complete disregard.
Consumer complaint received 2022-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TX)

This is a debt that i do not owe, this is retaliation for submitting a small claims lawsuit due to property XXXX trying to take my rental assistance and came up with fake debts that i was never told about, they just show up on my credit repot ~5 months after i move out. I never recieved my deposit not did i get an explanation where it went.

I spoke with the debt collector and when i asked for a debt validation she read a list of items on a word document, no pictures, no reciepts, just an invoice, and this is enough to ruin someones credit and get away with it. I had renters insurance the was mandatory but no claim was ever submitted. This is the way XXXX individuals like me are treated. I am submitting proof of insurance that the landlord needs to submit a claim if these are real debts.
Consumer complaint received 2021-11-23
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. (PA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Date of inquiry XXXX/XXXX/2021
Consumer complaint received 2021-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I had a credit card with Bank of America, that was in good standing, then I had a yearly charge for {$25.00} or so, I didn't know it was charged and missed a payment. Then wasn't sure I missed a payment and missed another since I haven't used the card in a while. I paid in full and then there was an interest payment that was {$1.00}. Which caused me to be late again because I thought I paid in full. So then BOA cancelled my card, all of the delinquent payments weren't removed because of an honest mistake and my credit took a massive hit. It's not like I charged thousands of dollars and left town.
Consumer complaint received 2021-11-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I sent XXXX rounds of dispute letters for unauthorized inquiries on my credit report. Never received a response back. These companies never looked into my dispute. 
Sent XXXX dispute letter out on XX/XX/21 and again on XX/XX/21 never received a response for either letter. And my disputes are not frivolous. I did attach my drivers license and social security card for verification still no response.
Consumer complaint received 2021-11-23
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. (FL)

I have attempted NUMEROUS of time to have this issue resolved... I noticed a couple months ago on my report, numerous of UNAUTHORIZED credit inquiry 's that WERE NOT solicited by me on my report.. I sent physical dispute letters on XXXX different occasions on XX/XX/XXXX, XX/XX/XXXX and A XXXX attempt on XX/XX/XXXX. The response I was given is that they are " investigating '' to verify the information every time and it resulted in the erroneous items still staying on my credit report and negatively affecting my score when I clearly stated such items were unauthorized and inaccurate. It has been well over 30 days since my initial dispute of this inaccurate information. Per the Fair credit reporting act companies have 30 days to conduct their investigation once that time has passed and the information can not be verified they have an obligation by law to remove it and once again NOTHING HAS BEEN DONE TO RESOLVE THIS MATTER. 

Both EQUIFAX AND XXXX are violating the Fair Credit Reporting Act and my rights as a consumer. 
This is my final attempt before taking legal action to seek damages and exercising my rights as a consumer because there is a clear violation of FCRA XXXX XXXX XXXX. 

XXXX INACCURATE REPORTING : XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NJ)

On Wednesday XX/XX/XXXX I was contacted by Fair Collections Outsoucing or FCO. They immediately asked me for my address and SSN without identifying their name and their business. I did not verify any information as I do not have any outstanding debt owed if I did, I have not been sent any letters or communication by any business that have tried to collect any debt. I told them I am not providing my SSN or address as they did not provide valid reason or what debt they were providing.
Consumer complaint received 2021-11-23
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)

I have several times to try to reach out by calling, certified letters sent to Equifax about these unknown credit inquiries on my report. Still has not been resolved. Yes, I am aware of the pandemic, etc. but what about the proof that I submitted several times.
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (MN)

I have a credit card with chase bank and I bought something off a site that was fraudulent. I never received the package and the provided a fake tracking number that I heard is a scam now. I disputed with chase and they closed it in favor of the merchant. I called customer service several times to let them know I have proof through XXXX informed delivery and they told me to submit it and a letter saying I never received the package. I just called because it's been past a week and they still have ruled in my favor and were giving the run around to submit it through fax because I sent it through their secure messaging system.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

To whom it may concern, I recently pulled my reports and noticed you are reporting the incorrect info for this account XXXX  XXXX Account # XXXX. Because accounts that are incorrectly reported by your company and Equifax are different, this means the account has not been properly verified. Please delete this account immediately This account was paid
Consumer complaint received 2021-09-21
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. (IL)

XXXX XXXX XXXX XXXX {$4700.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX  XXXX {$1300.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this tem from my credit report. XXXX XXXX XXXX {$10000.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX XXXX {$3100.00}, I have spoke with creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX XXXX {$57000.00}, I have spoke with the creditor and filed an identity the report and they refuse to remove this item from my credit report. Indiana XXXX XXXX XXXX XX/XX/XXXX {$790.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XX/XX/XXXX {$310.00}, I have spoke with the creditor and filed an identity theft report and they refuse to remove this item from my credit report. XXXX XXXX XXXX XX/XX/XXXX, I have spoke with creditor and filed an identity theft report and they refuse to remove this item from my credit report.
Consumer complaint received 2021-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (IN)

We recieved a letter in the mail that we owe a unpaid bill for a toll on the XXXX XXXX on XXXX on XX/XX/2021. We were not even in XXXX on that date and we have bank charges showing that we were in XXXX XXXX  on that date. Tried to call the company resolve the situation and they hung up on us. When researching this company on the Internet there were a lot of people complaining about the same problem we are experiencing.
Consumer complaint received 2021-04-13
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC. (CA)

I had an appointment today at XXXX for a notary to come to my house so that my wife and I could sign the refinance paperwork. The Loan Coordinator assigned to me, XXXX XXXX failed to make certain that all documents were ready for the notary. I received a voicemail at XXXX from the notary indicate that shes does not have the loan packet ready for today. Please note that today marks 90 days since I began my refinance with this company. I have complied in a timely manner and feel as if they are negligent in assisting clients. Please assist me with this matter. I have called and left voicemails, and have yet to receive a response.
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (CO)

there was a transfer done in my account all the money was gone i cant call fraud. there is no record of my account, i have a record of my deposites and no card to put it on can you please look at this thank you
Consumer complaint received 2021-09-21
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. (TX)

Hey I have been a Victim of Identity theft to where someone at my old address got a hold of a pre approval letter and somehow my ssn and tried to apply for a credit card. I opt out but the bureaus wont delete this obsolete information from my report
Consumer complaint received 2021-09-21
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. (FL)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-09-21
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (OR)

cfpb closed this complaint before it was resolved. See They are stalling and clearly have no intention of finding an equitable solution to my complaint. 
This issue has been in Wells Fargos court since XXXX. They have moved it around to multiple departments each one suggesting they need months to process the inquiry. The case number has been changed 3 times. Currently I am assigned to XXXX, an Executive Office Case Specialist in the Consumer Products and Services Executive Office. She wrote me a letter in XXXX stating You can expect to hear from us with a resolution or an update by or before XX/XX/2021. 
Today is XXXX XXXX. She does not return my phone messages. She has refused to give me her e-mail address. 
Previously I caught a WF agent lie to me about this issue. When I brought it to her attention, she stopped communicating. 
This issue can not be resolved without back and forth communication and WF is clearly avoiding that.

Five months and the BIG STALL continues.
Consumer complaint received 2021-08-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (PA)

While on forbarance and struggling with the affects of XXXX. Our loan was sold from Wells Fargo to a new servicer. Both my husband 's and my job was affected by covid. Both of us had XXXX  along with our kids 1 of which was hospitalized for sometime as he has other very serious medical conditions as well. 

When I called today to start moving forward during this trying time they advised me they could not help me and the mortgage was sold. I have received no notification on the loan being sold and no information on how to even move forward to get help with this loan.
Consumer complaint received 2021-11-23
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: CITIBANK, N.A. (GA)

On XX/XX/2021 I purchased a hotel room through XXXX for XXXX nights between XX/XX/XXXX and XXXX at XXXX XXXX XXXX in XXXX XXXX AZ. The hotel advertisement on their own web site and the XXXX line description clearly states the rooms have wifi. Well, our room didn't have WiFi. I approached the staff on site and they said that is a known issue and they are willing to give me credit for {$15.00} per night for the inconvenience. The hotel staff explained to me since I had booked through a third party, the credit would come through the third party credit ( from XXXX XXXX ). After I failed to see the credit on my credit card statement, I contacted XXXX XXXX multiple time and they didn't help me. Furthermore, I disputed with CitiXXXX and they also sided with the vendor. I am asking for a credit of {$45.00} that is due to me. The hotel has to reimburse XXXX but sandwiched between large companies, I feel hopeless.
Consumer complaint received 2021-11-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (MN)

Hi i just received notice that my checking account will be closed in XXXX days due to a false claim by Citi bank because of a bank transfer i made to fund the account. I HAVE FULL PROOF OF BANK STATEMENTS SHOWING THAT I OWN THE ACCOUNT THAT THE MONEY CAME FROM. Now they are holding my money XXXX ( $ XXXX ) plz send this to them ASAP. 

I UPLOADED A BANK STATEMENT AS PROOF THAT YOU GUYS ARE WRONG FROM THE ACCOUNT THAT YOU GUYS FALSELY CLAIMED INCLUDED WITH THIS COMPLAINT.
Consumer complaint received 2021-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BROCKELBANK INC (MI)

In XXXX I entered in to a lease agreement at XXXX XXXX XXXX in XXXX. When I occupied the building, the water service was not turned on. Once on, it was discovered that there were a multitude of leaks. I informed the owner of the issue and he asked me to call a plumber as I XXXX a XXXX XXXX XXXX and had a contact. My XXXX XXXX XXXX called and scheduled the plumber and some work was completed. The owner never made the water system completely workable, and in XX/XX/XXXX I vacated the property. Shortly thereafter, my XXXX XXXX XXXX received a bill from XXXX XXXX. I explained the situation and told them that my XXXX XXXX XXXX was not responsible for the bill and provided them with the owners information. I received some threatening correspondence from the building owner stating that I was responsible. At that time, I refused all calls and emails from he and the owner. I attest that this obligation is not mine for two reasons : 1 ) The plumbing work was completed on a building where I was only a tenant. 
2 ) The plumbing services were ordered by my XXXX XXXX XXXX on behalf of the owner. My XXXX XXXX XXXX ( XXXX ) was billed for this service. My XXXX ceased operation in XXXX. This credit and debt collection is in my personal name.