davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

XXXX XXXX Date opened : XX/XX/XXXX Account : XXXX Status : XX/XX/XXXX paid. 
Im hurting to have these hard inquiries on my credit report Im not able purchase property because of this Ive been trying to hard to do right with my credit to be traumatized to see this I would like this hard inquiry removed I see no use of it on my credit report
Consumer complaint received 2017-06-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (NJ)

An account was placed under my name erroneously. Since then, BARCLAYS BANK DELAWARE has damaged my name, and my credit BARCLAYS BANK DELAWARE has entered derogatory information into my credit file. Multiple dispute letter has been sent and company failed to response and failed remove item from my credit file All document has submitted to the company.
FTC Report Number :  XXXX
Consumer complaint received 2020-10-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MO)

Hello, I opened a Citibank checking and savings account on XX/XX/2020 in order to take advantage of a bonus promotion offering {$700.00} after completing tasks. The tasks were to deposit {$50000.00} in new funds into the account and maintain them for 60 days in order to earn the bonus. I met those benchmarks but Citibank is refusing to pay me the bonus.
Consumer complaint received 2017-06-14
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: REGIONS FINANCIAL CORPORATION (TN)

My husband and I recently were trying to refinance our home to acquire a fixed rate mortgage. We were in the final stages of the refinance process, the Bank called to inform us on the property report they use which is  XXXX  reflected we had a property foreclosure in  XXXX   XXXX ,  2015 , property located  XXXX   XXXX   XXXX   XXXX  Tennessee. This property was included in our Chapter  XXXX  Bankruptcy. Under the  Federal  Bankruptcy laws all  debts that are included in the Bankruptcy the reporting of any derogative information ceases one the bankruptcy is discharged. The lender Wells Fargo reported this in the property foreclosure  XXXX  system .   We want this information removed from any reports and the bankruptcy laws enforced.
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IN)

I have tried to use the XXXX to get my Equifax credit report since the beginning of the year but failed. After I entered my personal information as instructed and chose Equifax, XXXX redirected me to Equifax website. Equifax then further required me to put my name and contact info to verify my identity. However, Equifax says " its system can't process my request '' after that even though I could verify my information was correct on Equifax 's own portal or customer care representative ( CSR ). The request for Equifax credit report worked in last year and before but it stopped working earlier this year. I contacted Equifax to report this issue on XX/XX/XXXX. The CSR could not figure out the reason and solve it. I requested to open a ticket but I still have not heard anything. And the problem persists. 

I filed my CFPB complaint on XX/XX/XXXX, and got a response from the company. The company never addressed my concern regarding the technical issue through CFPB or phone call through their customer care. Instead, they just sent a paper copy to dismiss my complaint. Last year, their rep offered the paper mailing and the paper copy never arrived at my address. My critical personal info was further exposed to some random people due to mailing of paper copy. That's why I would like Equifax to fix the website issue so I can get my report electronically as it is supposed to. 

The company didn't fix their website portal error when I use annualcreditreport.com to request Equifax report. Instead, they just sent a paper copy. 1 ) Paper mail of credit report is not safe since the last report in XXXX got lost by post office. 2 ) Paper copy is bad for our environment, not eco friendly. 3 ) Does that mean, I still have to file a CFPB complaint each time to get an Equifax report? Why not resolve the issue fundamentally? The company either did not even read the complaint, or on purposely ignore the root cause of the issue.
Consumer complaint received 2020-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (CA)

I had less than XXXX $ unreported debt from my Credit Card with Chase last XXXX. I am stationed overseas so I wasn't aware of this debt since I know I settled my balance before leaving the country. I only found it out last XXXX since I notice the huge impact on my credit score ( went down from XXXX to XXXX XXXX. My wife went to the bank and the banker assisted her on refunding and waiving the Late Payment Fee because I am an XXXX XXXX Military. The banker also told her that my credit will be go back up in few weeks but it's not changing. Right now, we can't follow up with the bank because they close due to COVID19 so I called and they said I need to contact the Credit Bureau.
Consumer complaint received 2022-02-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (TX)

Someone has open several accounts using my SSN XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX Discover XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (AZ)

Chase Slate, I am POA and Legal Proxy for XXXX Aunt. We have a Special Needs Trust where the money is held by Chase Bank and linked to my personal accounts so I can pay my aunts bills. My aunt also has a Chase Slate card where her personal care attendants fraudulently charged to her card in XX/XX/XXXX. I have been try to pay her bills and get access to her Chase credit card so I can dispute the charges. All legal POAs and Trust docs were submitted to Chase Legal through XXXX XXXX at Chase Bank at XXXX XXXX XXXX XXXX, XXXX, AZ on XX/XX/XXXX. Today, I still have no access to the Chase Slate card. Chase linked the Special Needs Trust to my account but refuses to link the Chase Slate credit card for me to dispute the charges, get copies of statements and do other things I am required to do as her trustee. Legal docs refaxed on XX/XX/XXXX per XXXX to XXXX. Complaint submitted by Chase official to upper mgmt. again on XX/XX/XXXX when I spoke to XXXX, who forwarded me to acct supervisor, XXXX. Today, XX/XX/XXXX, I am  on the account as legal POA but have no way to access the account via computer to get copies of XX/XX/XXXX statements or dispute charges. Do n't understand why Chase will allow all of her money to be linked to my account, but not allow me access to her credit card to dispute fraudulent charges. My aunt is XXXX and only has use of XXXX XXXX. Please help!!!
Consumer complaint received 2020-04-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (NJ)

This is a follow up complaint to complaint XXXX which was closed by your bureau but it was not resolved. My wife STILL can not access ALL of our money at Chase which I believe is criminal to say the least. This is the biggest bank in America?? 
Someone from Chase ( XXXX ) called after the above complaint was made and said he would be looking into the situation and would get back to us. He never did. Today, I went online to see what was going on and it said " closed '' and there was a .pdf letter. Case number is XXXX. We never received it. I did print it out and there was a reference number and phone numbers. We called and once again we started the transfer nobody can help game ( after speaking with XXXX at the executive offices who told us they would be able to help and she could do nothing ). Initial person said they could not help and transferred us to someone else. She ( XXXX ) after speaking with us for 10 minutes and trying to give us a cyber security lesson, then said she could not help and would have to send us to online banking ... ..but we did this exact same process under the last complaint ... ..for 2 hours one night, and 3 hours the following night, both to no avail. That is in addition to the 2 hours my wife spent in the branch. For the written record XXXX told us that we had to change our e-mail address and password and if we didn't Chase would not be liable for any funds missing from our account. We can not access the account to change anything. We tried to tell her this but, again, to no avail. We will still hold JPM liable despite her disclaimer on a recorded line since they can not give us access to change anything. I called XXXX back at the executive offices and she is supposedly having a manager call me back, but I am sure that will never happen. If this bureau is worth anything you will realize Chase is denying my wife access to our money and nobody cares.
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX   XXXX  had a note with  XXXX , the balloon payment was coming due  XXXX   XXXX ,   XXXX  .  XXXX   XXXX  contacted  XXXX  in  XXXX  of   XXXX  .  XXXX  advised  XXXX   XXXX  to continue making his monthly payment and  XXXX  would work with him on getting the balloon payment refinanced.      XXXX   XXXX  continued to send in his monthly payments and work with  XXXX  on a refinance.  XXXX   XXXX  made payments in  XXXX ,  XXXX ,  XXXX , and  XXXX . In  XXXX ,  XXXX  returned the  XXXX  and  XXXX  payment and advised  XXXX   XXXX  that he was in default and  XXXX  would no longer accept additional payments.      XXXX   XXXX  was ultimately able to pay off the balloon payment in  XXXX  but  XXXX  continues to report to the Credit agencies that  XXXX   XXXX  failed to make his  XXXX ,  XXXX  and  XXXX  payments. This is making him in excess of 120 delinquent, even though  XXXX   XXXX  made the payments.     We contacted  XXXX  and attempted to resolve but they are stating that he was in default because he did not make the balloon payment. However,  XXXX  made an oral agreement to accept the payments and then accepted some of the payments but is reporting  XXXX   XXXX  did not make a payment in  XXXX  when he did make the payment and  XXXX  accepted the payment.  XXXX  is also reporting  XXXX  and  XXXX  payments not made when they were made, but returned.     We have disputed the information with  XXXX ,  XXXX ,  XXXX , and  XXXX .  XXXX  continues to insist that the credit reporting is correct, despite having received payments in  XXXX ,  XXXX  and  XXXX .      XXXX   XXXX  has been denied credit because of the negative reporting.
Consumer complaint received 2017-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (AZ)

My wife and I refinanced our home mortgage with  JP Morgan Chase  in  XXXX  and it was to be an interest only loan. We have received a letter from the bank  (   XXXX   XXXX  ) advising us that our loan is being amortized over 20 years and our interest rate is being increased. This action will nearly double our mortgage payment. As I am  XXXX   years old  and my wife is  XXXX   years old  and we our on Social Security, as our only stable income, this action will cause us to have to sell our home. I have tried to contact the bank but I get transferred around to different people having to tell the same story over and over again only to ultimately be put on hold and then have them just disconnect my call. So, I get to start all over again. I received a letter from Chase Bank, the first week of  XXXX . The letter had a  XXXX   XXXX ,  XXXX  date on it. It told me That a  XXXX   XXXX   XXXX  was my " new dedicated Relationship Manager. '' It said, " Call me any time you have questions or concerns. '' It listed 3 numbers. A general number, TTY number and a direct number. I, of course, called the direct number and rang into the same old call center that I been calling before. I was put on hold to finally get a lady who explained to me that there was NO  XXXX   XXXX  working for Chase Bank. She also explained that a lot of changes have been made. I told her the letter was dated  XXXX . She said " Well SIR, this IS  XXXX   XXXX . '' I asked to talk to her supervisor. I was put on hold for an additiona l 5  minutes to be disconnected. In addition, I pulled out my paper work from the refinancing in  XXXX  and could find no where in the loan documents a "  XXXX   XXXX  '' that disclosed the interest rate, total amount of interest, and total amount of payments if the loan termed out over 20 years. In a previous conversation in  XXXX   XXXX , I had asked  Chase  to send me copies of my paper work showing me where it said my loan termed out over 20 years in  XXXX  and a copy of my  Federal Disclosure Box  signed and or initialed by me and my wife as their letter stated. I received some paper work sometime in the next couple of weeks from Chase. They sent me some of my documents and some documents belonging to some people that had nothing to do with MY loan. They never sent me any copy of the  Federal Disclosure Box  that I had requested. We were never told by the loan officer, in  XXXX , that our loan would term out in 20 years starting in  XXXX  of  XXXX . There is a paragraph hidden in the middle of the  30  plus page document, that we signed and initialed, that speaks to the 20 year amortization but no  Federal Disclosure Box.  So, they lied to us at the time of signing and hoped we would not catch their lie ( which we did not ) as we worked our way through the signing and initialing process, for our house, at closing. We need help before we fall behind on our mortgage payments.
Consumer complaint received 2022-08-04
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: Capital Accounts, LLC (MD)

CAPITAL ACCOUNTS Original creditor : XXXX XXXX XXXX XXXX details 0 % of this account is paid off Balance on XX/XX/XXXX {$880.00} Original balance {$880.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Payment summary 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 XXXX - XXXX XXXX - XXXX XXXX - XXXX PAYMENT HISTORY LEGEND Comments Account information disputed by consumer Your statement - Contact info NameCAPITAL ACCOUNTS Original creditor : XXXX XXXX XXXX XXXX details 0 % of this account is paid off Balance on XX/XX/XXXX {$880.00} Original balance {$880.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Payment summary 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 XXXX - XXXX XXXX - XXXX XXXX - XXXX PAYMENT HISTORY LEGEND Comments Account information disputed by consumer Your statement - Contact info Name CAPITAL ACCOUNTS Address XXXX XXXX XXXX XXXX, TN XXXX Is everything correct? 
CAPITAL ACCOUNTS Address XXXX XXXX XXXX XXXX, TN XXXX Is everything correct?
Consumer complaint received 2017-06-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (TN)

My name is  XXXX   XXXX   XXXX  and I have a Private Student Loan with Navient. I am   XXXX   XXXX   XXXX   XXXX   XXXX  and have filled out paperwork and have submitted doctors statements, but have been told that I do not even qualifiy for forgiveness. I can barely afford to eat and pay my other bills and have explained this to Navient and tried to work with them, but they refuse to do anything and have continued to call  me three ti mes a day, every single day, even on  Saterdays, Sundays and at night, early in the morning and all different times harassing  me about payments for months on end. They give me no options and I do n't know what to do! I need help. If someone can help me please call at  XXXX  Thank you!
Consumer complaint received 2017-06-14
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. (NY)

I have a total of  XXXX  inquiries on all three credit bureaus from various banks on.    XXXX / XXXX / 2016  I have contacted them and the credit bureaus, and nothing is being done.     I have not applied for credit with them. need to be removed from my credit report with   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2023-01-07
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. (NJ)

Equifax is allowing XXXX XXXX XXXX to report my account as having a delinquency when the account is XXXX Protected. The account report shows a status of past due for XXXX days late and the last payment in XXXX which is not true and should be XXXX protected on a forward going basis per their agreement to me in writing. The account was never late but shows missed payments. XXXX XXXX agreed to keep my account in XXXX Protected status because of the pain and suffering that I experienced financially for the XXXX  years that they did not have me in XXXX XXXX protected status.
Consumer complaint received 2023-02-10
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. (IL)

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-04
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)

The Credit Bureaus XXXX, Equifax and XXXX did not do a proper investigation according to the FCRA. The term XXXX XXXX Report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
All three credit bureaus did not do this. 
Also, Equifax, XXXX and XXXX have violated my rights even more, in accordance with the Fair Credit Reporting Act, everything must be 100 % accurate on my credit report. Below is an attached credit report that has proof and evidence that after an investigation was requested each credit bureau XXXX, Equifax, and XXXX all stated that the disputed items were verified ( Evidence below ). However, it is shown evidence on my credit report to have 189 Violations of reporting inaccurate information, inaccurate accounts, and inaccurate and illegal late payments. Again, everything must be 100 % Accurate on my credit report and it is not. 
Equifax, XXXX, and XXXX stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate and inaccurate late payment days are inaccurate. This is ground for removal. 
They violated the law because according to 15 U.S.C 1681 section 602 A. States I have a right to privacy. 
According to the law 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I as the consumer did not give anybody written instructions. 
Again, everything must be 100 % Accurate on my credit report. 
According to the law 15 U.S.C. 1681c ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt According to 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) Communicating with a consumer regarding a debt by post card. ( XXXX and Equifax used XXXX XXXX ) ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.