davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-02
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IL)

My savings account was opened by removing funds out of my checking account by the branch manager in XXXX XXXX which is XXXX XXXX we then began a relationahip and he was being my personal banker then several days before my closing I had trouble removing funds from my savings account in XXXX XXXX XXXX they claimed I would need a photo I.D and basically nothing else could be done to get into my savings account by another branch manager which is XXXX XXXX so I had to have someone break into my house in Il to get a pass port so I could remove my funds from my savings account my wife made a money transfer from her savings account for tens of thousands of dollars without a photo I.D from her bank without any questions then granted her bank is not as big as Chase but I have been a loyal customer for over thirty years and have been treated miserably by both bank managers who can not see right from wrong and only the rules that have been set on their regulation paper only an agenda that has been set by Chases bank that has treated me like nothing more than a common number. Therefore, I have decided to go to a smaller bank after all this is worked out.
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (CA)

XXXX. I have disputed and provided information about my bankruptcy been reported incorrectly 5 times. My bankruptcy was filed in XX/XX/XXXX, discharge in XX/XX/XXXX, and revoked in XX/XX/XXXX. I have called and send the required information to prove that my bankruptcy was revoked ; yet Equifax refuses to report it as revoked, but rather continues to report it as discharged. I called and spoke with the supervisors twice and they read the document provided were they clearly understood that it was revoked and they notify me that they do n't know how to fix it. This is completely unacceptable. At first they blamed it on the Court which I called and they were able to confirm the BK was revoked, in the State of Florida said information is public record and could easily be obtained. I have reach the end of the road, the information provided clearly states Revoked but Equifax refuses to report it as such and nobody in their office seems to know what to do. Their incompetence is costing me closing on a home. I called many times but only spoke with supervisors on XXXX occasions, they understand that the the document clearly states revoked but they do n't know how to deal with my case. My bankruptcy should read revoked, dismiss, or deleted from my file as said bankruptcy grant me no protection was it 's revoked.
Consumer complaint received 2015-05-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

Experian will not remove incorrect tax lien information after submitting affidavits to them files with the IRS and state franchise tax board nor will the investigate. They have told me that the information has been " verified by the county clerks office '' however that is not true. It is well know the Experian uses a third party paid service. Either way I have submitted several affidavits to let Experian know. I have attached prof of delivery. I am awaiting the one from the IRS.
Consumer complaint received 2017-10-11
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. (NY)

I Applied for a Credit Card with XXXX XXXX XXXX. I was approved for XXXX. I Called up and asked them why my credit line was so low. The rep told me that she would see if I was eligible for a higher limit. she told me I was not. I then declined the credit card. On my credit report, it says that i Opened and closed an account. I disputed with XXXX and Equifax as well as XXXX XXXX and was told that I closed the account. 

At no time did the XXXX XXXX rep inform me of my rights or tell me that asking for higher credit line would Trigger me opening the account as well as pulling my credit again. XXXX sent me a letter telling me that they could not delete the account which I believe is false. I never received a card and never made a single charge. I have also filed a complaint with the NYS Attorney General. My credit has gone down over 50 points because of it.
Consumer complaint received 2022-08-04
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: EQUIFAX, INC. (CA)

This is XXXX XXXX, and I am submitting this complaint to inform the Credit Bureuas that I am a victim of Identity Theft. Upon reviewing my credit file, unauthorized Inquiries are being reported to my personal file. The Equifax, XXXX, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following Inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following Inquiries to be removed as soon as possible. 
1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX XX/XX/XXXX 14. XXXX XXXX XXXX XX/XX/XXXX 15. XXXX  XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XX/XX/XXXX 18. XXXX XX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX XX/XX/XXXX 21. XXXX XX/XX/XXXX 22. XXXX XX/XX/XXXX 23. XXXX XX/XX/XXXX 24. XXXX XXXX XX/XX/XXXX 25. XXXX XX/XX/XXXX 26. XXXX XX/XX/XXXX
Consumer complaint received 2015-11-15
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: Experian Information Solutions Inc. (NV)

A local credit union XXXX XXXX, was offering 2.3 % on a five year CD. Who could pass this deal up? Went down to the grocery store where they have a cubicle to sign up. We had CD 's here in the past so they still had most of our personal information. Near the end of the Q & A signup process we were told that they need to check our credit even though we were former customers and were making a substantial deposit. So ok do it. Well we had placed a credit hold with Experian when our health insurer XXXX followed then by Experian, keeper of the XXXX information, were XXXX recently hacked. It does n't matter if you are a CD purchaser, no credit check, no new account. Back home again we lifted the security hold after paying Experian their {$10.00} ransom fee for doing so. It seems logical to me that when our data was compromised that the smart thing to do is place a hold on our credit. It is even more logical that if there are any charges for doing so the company or companies where your data was hacked should be financially responsible for everything. All we see happening is they lay off their liabilities to some " insuring '' agent who then says if your ID is stolen they will work with you to fix the problem. Gee thanks, but I think the company who allowed our information to be compromised should ultimately have total responsibility and should be subject to substantial Federally imposed penalties for allowing our information to be stolen in the first place.
Consumer complaint received 2016-04-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

Attn : Experian : I am a victim of ID theft, my identity and account information was stolen and used fraudulently to obtain new accounts and incur fraudulent charges on open accounts by someone I suspected. In XX/XX/XXXX I reported this matter to the Federal Trade Commission and the Police Department, both of who declared me a victim of ID theft. I forwarded my ID theft packet to the XXXX bureaus in XX/XX/XXXX 's correspondence dated XX/XX/2016, under FCRA 605B ( 15 U.S.C. 1681c-2 ) which states that bureaus are to block all fraudulent items within 4 days of receiving a ID theft report. XXXX of the bureaus duly complied and blocked the information within 4 business days. However your bureau instead treated my case as a regular dispute and put my file through the 30 day dispute investigation process and thereby you refused to accept my ID theft report and refused to block the information. This is a blatant violation of my rights FCRA.
Consumer complaint received 2015-11-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (ID)

NO RESPONSE FROM CREDIT BUREAU PAST 30 DAY TIME LIMIT it is now 3 months. 

I sent Experian a letter that was received by them on XXXX ( delivery Confirmation attached ) in which I was disputing several items that did not belong to me due to them having someone else 's social security # listed as mine. The issue that is raised here is that I disputed a ( JUDGEMENT Item # XXXX in attached dispute letter ) since it does not belong to me. I never received a response from Experian pertaining to this Judgement, just everything else ( See EXPERIAN dispute RESULTS ) By law they had 30 days to complete the investigation, nothing was done or a response sent pertaining to the item in question. It is now considered NON COMPLIANCE XXXX XXXX Code XXXX of the FCRA. 

By law Experian should have taken one of these procedures but due to Willful NON COMPLIANCE they did not use either procedure ; -Should have re-investigated this Item within 30 days since new proof was submitted showing someone else 's Social security # as being listed on my report. No later than 5 days after the re-investigation was complete they should have contacted me. No response on judgement only other items. FCRA 611 ( 15 U.S.C. 1681I ) Subsection ( a ) ( 1 ) - Experian determines that consumer dispute is Frivolous or irrelevant they must contact consumer within 5 days from time of determination of dispute being frivolous or irrelevant. No response was received for this either. EXAMPLE OF THIS OCCURING PRIOR INVESTIGATION WITHOUT NEW PROOF WOULD RESULT IN DISPUTE BECOMING FRIVOLOUS OR IRRELEVANT & lt ; NOT IN THIS CASE. 
FCRA 611 ( 15 U.S.C. 1681I ) subsection ( a ) ( 3 )
Consumer complaint received 2015-09-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MN)

XX/XX/XXXX I received a notice from Chase that my escrow balance was short {$530.00}. They gave XXXX options of how to pay it. XXXX was to do nothing and my new mortgage payment would be {$1100.00} So I paid {$1100.00}. What I failed to notice was that the new payment did not start until XX/XX/XXXX. After lots of time on the phone with Chase, we discovered that they applied my XXXX mortgage payment of {$1100.00} to my escrow shortage and did not give me credit for my XXXX payment. They are saying now that I am behind on my payments and I owe! 0 months of late fees. I have made every payment and I have made them on time. In XX/XX/XXXX my mortgage payment was {$1100.00} so they would not credit my mortgage payment because they said it was short.
Consumer complaint received 2022-10-01
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 (MI)

This company is reporting a bankruptcy on my credit report stating that the data furnisher being the US Eastern Michigan Bankruptcy court, which is false. I have attached a letter from the US Bankruptcy Court verifying and stating that they do not furnish information over to the credit bureaus or to any credit monitoring service nor do they verify and validate any information concerning bankruptcies. Lexis Nexis is falsely stating this information and disclosing this information to XXXX, XXXX, and XXXX, which they yet to remove.
Consumer complaint received 2015-12-13
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (AZ)

Annually in compliance with regulators requirements, I receive notifications from all the credit cards I possess. Invariable hidden within those notifications is language which allows the issuers of the cards to change their rates and increase the service fees. In an economy struggling to recover and the significant loss of jobs, it has affected me and consequently the service charges and adjusted interest rate is equivalent to what the XXXX was allegedly doing that put a number of individuals in prison. Yet nothing is done to stop the banks and institutions issuing credit cards and raising the interest rates to more than 15 %. Instead of Congress and States authorizing the issuers of the credit cards to increase rates, they should prohibit any interest rate that when applied to the balance would exceed a payoff balance of no more than 60 % of the balance. Please initiate legislation that prevents banks and card issuers from exceeding 15 % in interest rate and no more than {$15.00} for any type of service fee and limit cash transaction fees to no more than {$1.00} per transaction.
Consumer complaint received 2016-07-01
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. ()

I am writing to dispute the following information in my credit history regarding my Visa Chase XXXX MileagePluse Select number XXXX XXXX XXXX XXXX. I have noted these items and I disputed this matter more than once with Chase directly with no response or further communications. 
I have been a loyal customer of Chase Visa for the last 17+ years. My wife and I used only this credit card and utilized the strong benefits. After years of on-time payment, a payment was missed during my work transfer to XXXX, XXXX. 
On XXXX XXXX, 2013 my family and I moved from California to XXXX, XXXX. Before leaving the United States, we activated the mail forwarding services through the US post office. We paid all our bills and made sure all balances were XXXX for credit cards, utilities, telecom, XXXX and Internet services. I retained my US cell phone number XXXX XXXX XXXX, and have it on file at any utility, bank, credit card providers, etc. I made phone contact with my credit card companies to flag the impending change and possible usage of the cards abroad. The representative at Chase, in particular, assured me that will be fine, and I will be notified via mail and email if there is an outstanding balance. 
As is evident from my credit report, I was able to clear all my bills on time, except for Chase, because I was not alerted through direct communication via email, phone call or text message from Chase that there was a payment due. I firmly maintain that this does n't justify reporting me to the credit bureau and closing the account without any communications. 
Attached copy of the report I received from the credit bureaus recently.
Consumer complaint received 2016-06-14
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO. (OK)

During an Amazon transaction in XXXX I applied for a an Amazon card which was stated it would be processed for approval immediately and provide a discount on the current purchase. In spite of an excellent credit rating, it was stated my credit was questionable and the application would not be immediately processed. This is clearly a bait and switch to get applications. Several weeks later, I received a card ( XXXX/XXXX/16 ) with a credit line far exceeding that requested. Further terms arriving with the card state ALL of my information could be shared by Chase after my card was open for 30 days, that I could NOT opt out, and that this would continue to apply even AFTER the card was closed. I immediately called to cancel before the 30 days was up, as they left me less than a week to review and respond. The representative tried to XXXX me into talking to a reprentative to " address my concerns '' and manually opt me out " if really an issue '', which contradicts the written terms stating no verbal greement is binding. This entire process is clearly designed to deny applicants information and to narrow the response window to reject the terms for the sole purpose of seizing control of customer information, even if the applicant *doesn't* take the final step of making the call to activate the card. From what I see in the paperwork, which was largely confirmed by the representative, you can halt the siezure of your information *only* by cancelling prior to the 30 day window you are n't informed of for 23 days. 

This is abusive and unacceptable.
Consumer complaint received 2017-02-13
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

Someone walked into a Chase bank branch, impersonated me and withdrew {$2000.00} from one of my accounts without an ATM card or PIN. Chase froze my account ( I 'm told it will be frozen for 30 days and that I may be reimbursed ) and is restricting access to my funds for that period as well.
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (PA)

The credit reporting company called Experian has historically been very troublesome often denying me my free annual credit report long after the one year eligibility time has elapsed. After completing all required information either via phone or more currently online, they 'll immediately deny me my report and ask I mail photocopied drivers license, utility bills and other like items to verify my identity to get my report. Thereafter they always mail back a response saying that I 'm ineligible because they just sent me one. When they did not! It appears that once the initial annual request is made, and if denied, they view this as a report was generated and sent. Then they adamantly deny any further disputes when told that the requested report was not sent! This has happened many times and I have gone several years without seeing my report. It just happened again on XXXX/XXXX/XXXX when after completing the on-line form, I was again denied. Even though my last report was dated XXXX/XXXX/XXXX. However they always point out that I can easily buy the report by remitting their asking price. I am very angry with Experian. They offer no personal phone in help. Only endless pre-recorded messages designed to frustrate a caller. I have no problem with the other XXXX credit reporting agencies who are helpful and easy to deal with. I want my annual credit report from Experian each year without all the trouble they cause.
Consumer complaint received 2016-01-05
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (NJ)

i have a chase freedom card in which was opened in XXXX of 2015 with a starting balance of {$7000.00} within 6 months they raised the credit limit to {$12000.00} i am now carrying a balance of {$7000.00} whick i ussually do and pay off within two months when i recieve bonus checks i have never missed a payment and have always paid the card down which im assuming is the reason they raised my limit i now am in the process of opening a {$300000.00} home equity line of credit and out of nowhere i recieve a letter that chase is closing my account because i " cause issues to the banks reputation '' this now will drop my credit score and i am really confused, being that i have always paid them on time and EVEN recieved a credit increase without asking for XXXX and now they are closing the account. i called to ask what made them come to a conclusion that " i was a risk to the banks reputation '' and they said they did not have an answer to that just that " they can close an account for any reason at any time. I am just very upset that i work hard to be a good citizen and pay all my bills and keep a good credit score then chase just over a 6 month period gives my a {$7000.00} credit limit raises it another {$5000.00} then for no other reason other than " reputation " not for late payments or no payments because i have never done such a thing so i am looking to have them reverse this decision seeing that i am a good consumer. how can they do so much like open the account raise the limit then close it all within a couple of months and i would understand if i did not pay or if i have ever made a late payment but neither of those are the case they are playing games with my credit score. plus when they raised my limit i did not request that they raise it they just did it on their own. now for no fault of mine they are choosing to close the account and affect my score.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

I recently pulled my credit report from Experian, XXXX and XXXX and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with Experian, XXXX and XXXX and the results of the investigation came back as " verified ''. I did not have an account with XXXX XXXX during this time period. XXXX XXXX is incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. They continue reporting this account as negative on my credit report and therefore makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless this debt is immediately removed from my report.
Consumer complaint received 2016-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MI)

This complaint is addressed to Experian Reporting Agency. Resolution deletion of collection account # XXXX per ( XXXX ) XXXX. 
Per response with the CFPB, case number:XXXX, dated XXXX XXXX, 2016, XXXX claims they have submitted a " request for deletion '' to ALL credit reporting agencies and requested permission up to 45 days for the agencies to process their request. ( Validation Letter attached ). On XXXX XXXX, 2016, was denied online dispute due to maximum access. Online, the report shows the collection account with XXXX as " Closed '', updated XXXX XXXX, 2016. As of XXXX XXXX, 2016, it has not been deleted. Other agencies have adhered to request. If said request is not honored within the timeline requested by XXXX, I will proceed legal actions per the Fair Credit Reporting Act, 15 U.S.C.s1681.
Consumer complaint received 2015-08-31
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (MD)

Tried to obtain my annual credit reports. XXXX was no problem. XXXX and Experian both were unable to send. XXXX questionnaire asked questions but none were related to any information about me. Experian did not even ask questions simply stating they were unable to send online. Both want me to mail my requests and submit my PERSONAL information via the mail which I feel further exposes me to credit theft.