davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (GA)

I have been an excellent Chase Bank customer for over 5 years. I have used my premium credit card account and spent over $ 25K yearly. Over the past week I have been traveling outside of the US and have contacted Chase to request them my card activation outside of the US. I have been able to use it a couple of time and today - XX/XX/2018 my card has been declined. I have contacted Chase and been informed that all my accounts - 5 credit card accounts all with a total credit limit of over $ 60k - have been closed for no reason. I have requested an escalation and been informed that a supervisor is not able to receive my call. After contacting Chase multiple times and insisted on being provided some information about their decision, I have been left without a credit account to use.
Consumer complaint received 2021-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (NY)

I entered into a COVID-19 forbearance agreement with my lender ( Mr. Cooper ) due to hardship experienced during the COVID-19 pandemic. I lost my job due to COVID-19 and could not afford to make payments at that time. I asked my lender repeatedly if this will have a negative affect on my credit score and they repeatedly said NO. At the end of my forbearance period, I made a FULL payment towards the loan and a few months later I sold the house and paid the mortgage in FULL. Now I am learning that the mortgage company lied to me and they DID in fact report all missed payment on my credit report. That was NOT what we agreed to at the time. I have tried to contact them but they are being unresponsive. 

Attached is a letter I received showing that the mortgage has been paid off in full. 

Mr. Cooper lied to me and this negatively affected my credit score.
Consumer complaint received 2021-06-27
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. (MS)

I mailed a letter to Equifax on XX/XX/2021 and XXXX on XX/XX/2021 letting these companies know that there are two accounts showing up on my credit profile that does not belong to me and requested that these two accounts be block and removed. I also contacted the creditors furnishing these account on XX/XX/2021 and requested proof of ownership and have yet to receive any documentation. Despite me providing appropriate proof of the identity, copy of an identity theft report, and a statement identifying the information, these companies still did not remove and block the XXXX account # XXXX account and XXXX XXXX XXXX account # XXXX from my file as regulated by law. 

According to the FCRA 605B ( 15 U.S.C. 1681c-2 ), a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of 15 U.S.C. 1681c-2
Consumer complaint received 2021-11-04
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: Exeter Finance, LLC. (VA)

I noticed these fraudulent inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Exeter Finance Corp XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-06-27
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. (VA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors and have affected my livelihood to provide for my family. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2018-11-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC (KS)

This account is actually just pass due less than 30 days. They start calling me the day after it is due, XXXX of each month, and do not stop. My husband had 2 XXXX XXXX  towards the beginning of this year, and was out of work for a couple of months. I have told the company this, and I have tried to keep up with the payments as best I can.
Consumer complaint received 2021-06-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

hello I submitted a dispute letter to Equifax on XXXX XXXX I still have not received any reply from Equifax as of today XX/XX/2021. 
I also sent a letter to Equifax on XX/XX/2021 failure to comply and did not receive anything to this date.
Consumer complaint received 2021-06-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (MA)

We are currently in the process of purchasing a condo located in XXXX, NJ. The loan application with PNC bank started on XX/XX/2021. The loan officer said without any doubt that PNC can do a 45 days closing for sure. So we went with them. The scheduled closing date is XX/XX/2021. During the process, PNC bank has been asking us for the same financials and employment verification of us multiple times although we have explained to the loan processor XXXX XXXX that we have already provided the documents and she would not listen to us. When it passed the original closing date, we have been following up with the bank and our loan officer XXXX said we can close during the week of XX/XX/2021 for sure however when it came to that week, PNC started to request the documents we have sent to them multiple times. And they havent even started the condo review at all. We escalated the application and filed a complaint. The branch manager XXXX XXXX told us the worst case closing date is XX/XX/2021. And the condo review will be finished within 5 days. And she promised she will provide us a daily update however she didnt do that. They started to request further documents from our condo. We had to call PNC general phone call every time in order to contact the processors because they never reply our email and phone calls. Our seller is planning to cancel the deal because the closing date has been delayed for a month. We strongly believe PNC bank owes every party evolved in this deal a clear answer about why the condo review has been delayed for so long and be transparent about the process.
Consumer complaint received 2021-06-27
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. (IL)

To whom it may concern This is in regards to XXXX the who will be known as the " original creditor ''. These accounts a riddled with error and mistakes. Keep in mind that these account come from the same original creditor there are several mistake you will see in the documents that i have attached to this complaint Some of the errors or reporting an account with two different loan numbers that originally have two different loan amounts. Reporting no balance when this is one and reporting a {$0.00} balance when there isn't one. Also the High balance is incorrect with All three credit bureaus reporting different amount. Lastly i am apart of a Class Action Law Suite where XXXX has pushed me into a bad loan repayment program and as a result of the pandemic i was unable to maintain payments. 


With all three bureaus reporting different information for the balance, high balance and Account Numbers, I am unsure of which is correct. 

These reports appear to have been generated by the same lender so why is the data reporting inaccurate? As the governing credit bureau it is your responsibility to report consistent and most importantly accurate information.You as the governing bureau have failed to report correct data for other lenders/potential lenders to view and determine me as credit worthy. Our minority based business for XXXX women has taken a hit and funding based on my credit has been greatly hindered because of the inaccuracies, inconsistencies and incorrect data on my report generated by the credit bureaus. 

Despite several written requests, the unverified items of XXXX still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 



Please DELETE and REMOVE these erroneous items off of my report immediately. 

Attached you will find a highlighted copy of the above referenced information. 

Thank you
Consumer complaint received 2022-08-06
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. (TX)

Thank you for reading my request about my accounts. I am writing today because during my quarterly review of my accounts listed on my credit report, I noticed that a number of accounts were charged off with XXXX XXXX XXXX_Equifax, XXXX. 

I am requesting that these companies please forward me a copy of the 1099-C that was issued by there company when they charged off this debt with the IRS which is required by law for all debts over {$600.00}.

I continuously asked to do so and no one has sent anything. IT looks as if they are looking for a way not to remove this from my report if this was told in error initially it should not be altered to stick on my credit report.
Consumer complaint received 2021-06-27
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: ID Analytics, Inc. (MN)

I am a victim of identity theft and theres adverse and negative accounts and information listed on my Sage Stream Consumer Report which is all fraudulent accounts and information thats not mine and dont belong to me. I should have a clean and positive Sage Stream Consumer Report because I have been XXXX  for the last 17 years. Review attached documents.
Consumer complaint received 2019-11-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIBANK, N.A. (GA)

On XXXX XX/XX/2019, a representative, XXXX XXXX, of XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, DE, XXXX phone number XXXX ext. XXXX contacted me at XXXX Hours XXXX XXXX and threatened me by way of stating that she, " will take you ( me ) to court and get a judgement against you ( me ) '' if I did not agree to make a payment to them. I had already informed her that I am on social security and I can not afford to pay. The representative repeatedly stated this until I said that I might be able to pay {$5.00}. At which time she began to belittle and berate me that she, " didn't know if that would be acceptable. '' When I requested a written letter about this debt I was informed that no written letter will be provided. I am reporting this to the CFPB because I fell that this type of coercion and abuse will continue if it is not reported.
Consumer complaint received 2021-06-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (FL)

A certified letter was mailed to AmeriCollect which was dated XX/XX/2021. The letter was a certified letter that was received by AmeriCollect and the request was a FORMAL REQUEST FOR VALIDATION OF THIS ALLEGED DEBT ( see attached copy of letter ).

AmeriCollect currently has 2 accounts reporting on all 3 of my credit reports that were paid by the State of Florida victim 's advocacy. I was a victim of a wrong home invasion and shooting and all medical bills are paid under this program. ( see attached proof ) AmeriCollect currently has 2 accounts reporting on all 3 of my credit reports. One in the amount of $ XXXX and the other for {$150.00} that they refuse to removed. 

AmeriCollect failed to provide proof of the debt as requested in Certified Mail : XXXX ( see attached proof of receipt ).
Consumer complaint received 2021-06-27
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: LEXISNEXIS (NY)

I called LEXIS NEXIS and while speaking with one of the representatives and supervisor. I states per the FRCA 15 usc 1681b ( e ) ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. They told me there wasn't such a law that allows the consumer to elect to exclude name and address provided by a consumer report. The supervisor then hung up on me during that call as they stated I was making up laws. and as you clearly see it is in the law.There is False bankruptcy information showing on my report. I have already disputed with the credit bureaus via certified mail and have gotten no response. I have contacted the County Clerk at the court and they have also stated that they do not furnish any information to the bureaus so the bankruptcy on my credit report is illegal and damaging to my credit score. You have failed to conduct a truthful investigation into this PUBLIC RECORD within the provisions of consumer laws. NOT IN COMPLIANT! Its impossible that you indeed investigated or even attempted to look into these public record listed below because I asked the court clerk if they verify records with the credit bureaus and they stated and send me a attached letter that they do NOT, so how did you legally verified this? For example, court name is not accurate each credit reporting agency must report the actual name of the court, followed by city, state. You are required to obtain verification from the DATA FURNISHER and the court told me that they do not verify with you, so HOW is anything else considered legal verification? I need you to send me the petition to verify this account. If you can not do that, then this needs to be removed and permanently deleted. please abide by the fora laws
Consumer complaint received 2021-06-27
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. (SC)

I, XXXX XXXX XXXX XXXX, the consumer, has found Equifax in violation of the FCRA for 15 USC 1681a ( 2 ) ( B ). Equifax is reporting on my consumer report information pertaining to consumer credit transactions. Pursuant to 15 USC 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( l ) which is any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction on my consumer report. The accounts highlighted in the CEASE AND DESIST EQUIFAX should be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that Equifax remove these transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. Equifax has violated my federally protected consumer rights and has ruined my reputation via my consumer report which has prohibited me from accessing credit necessary to carry out my personal use and care for my family. Equifax has put me in a very stressful situation by not immediately removing those accounts I have highlighted in the CEASE AND DESIST EQUIFAX document. 

Furthermore, Pursuant to 15 USC 1681b ( a ) ( 2 ) " In accordance with the written instructions of the consumer to whom it relates. '' I have given Equifax written instructions to remove the highlighted accounts in EQUIFAX CEASE AND DESIST document that's attached and Equifax still have not comply.
Consumer complaint received 2021-06-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY ()

My wife and me opened an account in Wells Fargo by the least six years ago. We live in XXXX and all the time we want to access to our info bank, our deposit or simply to know if is possible to use our credit or debit card. 

Wells Fargo prevent us to access to our account and to our money and is impossible to use the online banking because that tool is blocked for any reason that the bank and the people working for it don't resolve. 

Is inconcebible and crazy can't access to our money or our account because none reason. 

We need your help and to resolve a big problem that involves our savings and our sons, in the middle of pandemic for XXXX XXXX. 

XXXX XXXX and XXXX XXXX
Consumer complaint received 2021-06-27
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. (FL)

Why submit when the same incorrect information repeatedly shows on my report and this company boldly returns the complaint as a duplicate. Of course it is they never corrected the myrids of disputes or complaint reports previously submitted correctly. Report number XXXX just received and still wrong- notuing ever completed- they just go through the motions.
Consumer complaint received 2021-08-11
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: Upgrade, Inc. (FL)

The 3 credit report agencies have put me on early warning services and with speaking to all three number of times refuse to tell me why my information was leaked with someone else. 

Also UPGRADE BANK APPROVED ME FOR A LOAN AND WITHOUT AUTHORIZATION OPENED A CHECKING AND IN MY NAME AFTER I SUBMITTED DOCUMENTS FOR A LOAN NOT A CHECKING ACCOUNT!! 

I WANT THE CFPB TO GET UPGRADE TO CLOSE THE ACCOUNT THEY WILL LOCATE WITH INFORMATION PROVIDE
Consumer complaint received 2021-06-27
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2019-01-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (MN)

When I started working on my credit in XX/XX/XXXX I had a debt listed on my report from a company called XXXX for a XXXX bill in the amount of XXXX. I disputed this debt as it did not belong to me and was listed under a name I had never gone by, XXXX XXXX ( my maiden last name is XXXX ). XXXX was unable to verify this debt and it was eventually removed from my credit report. on XX/XX/XXXX I received a credit notification that I had a collection added to my report. The debt was from XXXX XXXX XXXX for this XXXX  bill that I mentioned above. The issue here is 1 ) I never received anything in writing from XXXX XXXX regarding this debt, therefore I was not given the chance to request validation or dispute this debt. 2 ) I was not notified by either XXXX  or XXXX regarding this debt being reinserted into my credit file, therefore it was illegally reinserted. I disputed this debt with XXXX  and XXXX already and both came back verified as accurate. This debt does not belong to me.