davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-18
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. (IL)

I disputed all non account holding inquiries with Equifax.They did Not investigate my dispute. I reached out to all of the companies the inquiries came from none of them had proof that I authorized the inquiries. Equifax violated the Fair credit reporting act by refusing to investigate all these inquiries that is not mine
Consumer complaint received 2020-10-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (HI)

Greetings : I would to like to report a wire fraud, and in connection to an internet scam. I am helping my mother who is XXXX years old. 

My mother XXXX XXXX met a purported XXXX XXXX on XXXX. After series of of conversations, they are into a virtual online romance. 

XXXX XXXX purportedly stated that he is detained or his luggages had been confiscated by XX/XX/XXXX authorities. 

XXXX was able to convince my mother to wire money in the amount of {$5000.00} ( and other amounts in the past ) through his lawyer or an intermediary in Chase Bank at XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX, XXXX, XX/XX/XXXX the name of XXXX XXXX. 
The money was originated from my mothers bank, the XXXX XXXX XXXX  in XXXX, XX/XX/XXXX Telephone Number is XXXX XXXX XXXX XXXX. 

We have already reported to our local XXXX Police Department ( Report No. XXXX ) this fraud. 

I will send by US mail the additional evidences. 

I am requesting any available and immediate redress, relief, and remedies provided by law in connection with the above issues. 

XXXX, Hawaii, XX/XX/2020. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, HI XXXX Email : XXXX Mobile Phone : ( XXXX ) XXXX
Consumer complaint received 2020-10-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC. (GA)

On XX/XX/2019, my vehicle was repossessed and later sold despite many attempts to contact the company to resolve the account billing discrepancies historically existing on account. Subsequently, the company reported this erroneous, inaccurate account billing discrepancies to all credit reporting agencies. Please be advised, Complaint ID : XXXX, submitted on XX/XX/2019 which was regrettably closed on or about XX/XX/2019. Moreover, I am submitting this complaint with additional documentation to redress this original complaint with the same theme restating inaccurate account discrepancies with the payment history of payments submitted to on account. 

Upon the payment proofs submitted, please find that with the advanced payments on account, this account standing existed with approximately 17-months of advanced payments. With these advanced payments this fact this account was never late with payments on account. Additionally, the proofs of payments submitted by receipt leaves no doubt as to the findings of inaccurate account billing discrepancies claimed in this original complaint filed under Complaint ID : XXXX, dated XX/XX/2019.
Consumer complaint received 2020-10-26
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: JPMORGAN CHASE & CO. (TX)

Hello, My name is XXXX XXXX and I am reaching out to complain on XXXX  for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several certified letters, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible.

I will be listing some dates below that I have sent out to them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY RECEIVED THE LETTERS.
Consumer complaint received 2017-08-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (SC)

On XX/XX/XXXX I was notified by credit monitoring this debt of {$420.00} by Enhanced Recovery ( XXXX XXXX ) was added to my credit. I already had to file a complaint several months ago against a company that was trying to collect this debt that I had no knowledge of. It was deleted. I have had no contact from Enhanced Recovery in any shape or form just slapped in on my credit and I am about to buy a house. Another collection agency acting illegally and not following FDCPA. I do not owe them or XXXX XXXX any money. They also show this debt is from XX/XX/XXXX and was late 1 month ago. This is the last complaint I will file before I file against them in court
Consumer complaint received 2019-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

On the XX/XX/2019 I received a letter from Citi Bank regarding my credit card account that I have held respectfully for the last 10 years. The letter unfortunately indicated that they were closing my account due to two or more returned payments. Prior to this letter I had received notification of the unpaid autopayment and the instructions included to replace the payment with another payment which is what I did. Citi bank never notified me that if another unpaid autopayment occurred they were going to close my account. Unfortunately at that time I was unaware that I had my autopay setup with Citibank with a checking account that was closed. Therefore, since the checking account they were attempting to collect from was closed  the payment was being returned. I regretfully, did not change the banking information at a timely manner because I was not aware of the consequences of my Citibank credit card which was originally a student credit card I received when I was XXXX years old and a XXXX in college being closed. This credit card account is my oldest account and now the closure of this account has effected my credit report and score in a negative manner because y credit age has significantly dropped below average. I would appreciate it if Citibank reopens my credit card account and gives me the benefits of the doubt. I have held this account honestly and respectfully for the 10 years and am committed to maintaining this client bank relationship with Citibank if they allow the goodwill of my reputation for the last 10 years shine through the temporary mistake that has led to these unforeseen events.
Consumer complaint received 2019-08-18
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

I was checking my credit score through (XXXX) a company that I believe works with my credit card company (XXXX XXXX) and came across alert for a new credit inquiry that had taken place at the beginning of this month (XX/XX/XXXX) through XXXX from Home Depot (XXXXXXXX XXXX XXXX XXXX, SD XXXX). I did not inquire for a Home Depot card and this caused my credit score to drop, obviously as a result of identity theft and or Home Depot pulling my credit file for whatever reason to approve me for a credit card that I have not applied for. I am not sure which of the two is the actual reason why Home Depot would inquire my credit report or score from XXXX. All I know I have NEVER applied for a Home Depot card and now someone is trying to open a card under my name.
Consumer complaint received 2020-10-25
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. (TX)

XX/XX/2020 U.S.P.S. Tracking # XXXX. 

Equifax To Whom It May Concern : Please be advised in my previous letter to you, dated XX/XX/2020, I provided sufficient information to you requesting you to block the reported information under the provisions of FCRA 605B, and it was NOT a dispute under the provisions of FCRA 611. Please be advised that Equifax, at this time and pursuant to section 605B ( c ) of the Fair Credit Reporting Act, is not blocking the information subject to the submitted Identity Theft Report and/or Police report provided to you as part of my dispute. Your lack of immediate response clearly violates my rights according to 605B. I reiterate my requirement from the XX/XX/2020 letter and demand that you take appropriate action to immediately block this information from my credit report. XXXX  has deleted the reported information, and blocked the reporting of these from my current report. XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX .Agencies must block identity-theft-related information. XXXX adds a new section, 605B, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : proof of the consumers identity, a copy of an identity theft report, the consumers identification of the fraudulent information, and the consumers statement that the information does not relate to any transaction by the consumer. The agency must also notify the furnisher of the block, and Furnishers must implement procedures to prevent them from re-furnishing such information ( to anyone, apparently, not just the notifying agency ) 15 U.S.C. 1681c-2 ( a ). Since you have failed to comply with FCRA requirements by not blocking thisinformation within 4 days from the letter date to you, I have filed this complaint with the CFPB for your failure to comply with XXXX  regulations. The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend to turn this matter over to an attorney for review and possible legal action. I appreciate your prompt attention to this matter Sincere regards, XXXX XXXX XXXX
Consumer complaint received 2020-10-25
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP (TX)

I had a XXXX charge that I tried to dispute so they cancel a card and sent me a new card and paperwork to dispute. I received the card and tried to activate and it wouldn't because they had froze my account. So they ask me to send my credentials which I did, and they said my Driver License was not acceptable, so I sent all information again every time they found another reason to steal my monies, this has been going on for over 2 months and multiple faxes to them and numerous conversation by phone. So every time I call they tell me I have to speak to a Supervisor and every time they hang up and it turns into I have to call back over and over again. All I want is my XXXX back I want the account close and a check mail to my resident which they have on file and my driver license info. This company needs to be investigated for fraud. I did every thing they ask of me and I still don't have my money. This is a dire situation I have rent food bills to pay and they rob me. now there telling me I have to send my w2 copies. I have sent my DL, birth certificate, social security. Why do they need my w2 ( which I don't have ) it sounds like they're trying to steal my Identity. What about the people that don't have the resources to know what to do. How many other customer have they done this to. This company has cripple me and left me with nothing, I lost everything over this
Consumer complaint received 2020-10-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (TX)

I have requests and updates on the attached XX/XX/XXXX letter from Chase. I am requesting a copy or at the least a summary of details of phone call reflected in letter on XX/XX/XXXX from XXXX. I am also requesting a copy and at the least a summary of details of the outbound phone call on same day. The phone number was never mine. 
In the attached, Chase requested list of fraudulent charges. The fraudulent charges started XX/XX/XXXX of {$450.00} to XXXX XXXX and all others after that. I was recovering from XXXX and faithfully making payments and not incurring any more debt. The fraudulent payments started one day after my payment on XX/XX/XXXX of {$220.00} on XX/XX/XXXX of {$2400.00} and made by phone. My payments were always on the web. Additional fraudulent payments were then made to circumvent Chases payment policy to exceed the credit limit up to {$12000.00}, {$5100.00} MORE THAN CREDIT LIMIT! 
Chase exacerbated the problem by not removing payments and charges. Then Chase charged off the card. I wanted to keep my card, continuing making payments on my debt. But now I dont have the {$5900.00} that was my portion. I am almost XXXX and dont have that money laying around. This problem was started by theft and fraud and view the {$5900.00} as fraud also. I had asked for return of cards but Chase isnt able to comply. What can be done? What are the options because my credit should be restored? Drastically discount the amounts due? 
Chase welcomed me to contact them to give fraudulent charges. Calling Chase is very difficult and it has been more productive and a better use of my time to correspond through CFPB. Instead of stressing consumers, would it be better for Chase to call the consumers when Chase is not so overwhelmed? My number is XXXX.
Consumer complaint received 2019-08-18
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: AES/PHEAA (GA)

To Whom It May Concern:This letter is to inform you that I recently received a copy of my credit report and after reviewing it I found a number of items on the report that are inaccurate. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified, I would like send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. § 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. I demand the following accounts be properly verified or removed immediately. 1.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX2.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX3.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX4.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX5.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX6.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX7.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX8.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX9.	Name of Account: Federal Loan Servicing Account Number: XXXX XXXX XXXXDate Reported: XX/XX/XXXXBalance: $XXXX
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NJ)

I have freeze on my account. I am unable to open any new accounts like a checking account, saving, credit, and car financing. 
Please help me fix this. 
I need to start my life and saving for my family. 
My name XXXX XXXX.
Consumer complaint received 2021-10-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (TX)

In 2019, I had a television and internet service account with XXXX XXXX XXXX for several months. Not satisfied with their service, I called to cancel the account. I spoke with an XXXX XXXX XXXX rep over the phone who closed my account with no balance due and mailed me a shipping label to return my equipment. I shipped my equipment and the tracking number showed received. Several months later I start getting messages from XXXX XXXX XXXX that my account was overdue. I tried to tell XXXX XXXX XXXX my account was closed and that my equipment had already been returned. I contacted XXXX XXXX XXXX several times to explain the situation to them, however, they kept simply ignored my facts and asked for payment. After a few more months, XXXX XXXX XXXX sent the account to collections which I disputed as not due. When I disputed the account, the credit reporting agency agreed with us and removed the collection. XXXX XXXX XXXX used subversive actions by reporting the disputed collection to another collection company which would then show up as a collection on my credit. I have disputed this same disputed collection multiple times for over 2 years from different collection companies and each time the credit reporting bureau has agreed with me and removed the collection. I need assistance in telling XXXX XXXX XXXX to stop moving the disputed collection to a different collection agency each time I dispute the collection and have it removed from my credit by the credit reporting agency. At this point XXXX XXXX XXXX is harassing me without due cause.
Consumer complaint received 2020-10-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2020, Chase Auto Department sent a repossession truck because I was unable to pay for my car. I tried to call Chase Auto but I was re-routed from one department to another because of COVID-19. Chase promised to help me with lowering my monthly payment. On XX/XX/2020, I signed the extension letter which this would automatically extend the sale date from XX/XX/2020 to XX/XX/2020. The Reinstate/Redemption letter required to use certified mail with a return receipt when sending the extension letter. I was nervous Chase would not receive my extension letter because XX/XX/2020 was XXXX XXXX because the post office was closed. I walked to Chase bank on XX/XX/2020 with Chase Auto Redemption department on the phone. The Chase bank manager spoke to the Chase Auto Redemption representative which they refused to send a copy of the extension letter since I already sent the extension letter. Finally, the redemption representative fax us a copy of the extension letter which I signed it and sent it back. The Chase bank manager personalized a letter stating I fax the extension letter. On XX/XX/2020, I walked to USPS to send a check in the amount of {$7000.00} to redeem my car. I had two choices either to reinstate my Lon or redeemed ( paying off the car loan ) which I chose to pay it off. Chase Auto received the check on XX/XX/2020 because I received the return receipt plus I was tracking it on the USPS website. On XXXX XXXX, I called Chase Auto to make sure they receive the check but the representative said that my account still show a balance and they lost the personal check. I went to XXXX to send Chase Auto a XXXX XXXX which I would have done in the beginning but Chase said it wasnt an option and it must be sent by mail. Chase auto received the money and the representative called the repossession company to release my car but the business was closed. The representative gave me the repossession companys phone number but also mentioned they towed my car from XXXX, Ca. Where I live to XXXX, Ca. ( 100 miles. I am baffled that Chase had the nerve to tow my car to riverside knowing I was going to redeem my car. The representative put in a request to tow back my car which I doubt it that would happen especially what they put me through. I have documented EVERYTHING!! I want my car to be released to me like it states on the reinstate/redemption letter. The letter shows the address of the repo company which would have release my car but that was false. They told me I had to mail the extension letter then went back on their word and let me fax it. They lied to me that they accept personal checks. I had to stop payment which cost me {$15.00} and {$20.00} for certified mail. I just want my car back. I am spending {$25.00} a day using XXXX. Im afraid XXXX XXXX company sold my car because XX/XX/2020 was the last day to receive payment. When Chase tried to call XXXX they were closed. Please help me get my car back.
Consumer complaint received 2020-10-25
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. (AL)

I recently did a dispute through equifax and asked for a specific proof on an account they investigated it but no one had what I asked for according to the fcra guidelines they have to show it I asked for the original signed contract for the credit application and for the copies of all the cashed checks used to pay the account I recorded them today XX/XX/2020 saying they dont have it