davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (TX)

I previously filed several complaints with CFPB for other issues with Chase, for example a checking account, they mishandled my paycheck on more than one occasion, ie holding funds that had been verified, therefore causing a number of subsequent issues ( bill payments bouncing, not having availability to my funds at the date it was said to be available, charging fees, etc. ). When my funds finally became available I immediately moved it to a new bank and Chase attempted to reacquire to be spiteful and without my consent. I blocked them ... My new bank alerted me, honored the rules, but I had to go to my new bank to fill out a form stating Chase attempt was not approved and they could not withdrawal from my account without my written consent, ever. 
Since that time Chase continues to retaliate against and attempt to bully me for the complaints I have filed with CFPB, by closing my credit card ( XX/XX/2020 ) for no valid reason ( gave me several different reasons over several unnecessary phone calls and messages ), causing " glitches, '' therefore making extra work for me to do, compounding interest and reporting incorrectly to all three credit bureaus. 
Since closure, I have paid this card as agreed, on time and in full ( {$2700.00} XXXX XXXX ), however Chase is continuing to report as active account, charging fees they are not entitled to, compounding interest ( interest charged is the same amount now as it was when the account was open ) and reporting the limit too high ( {$2500.00} is what I agreed to and had ). To my understanding this violates several laws ... Fair Credit Reporting, attempt at theft, etc. 
I held on reporting this until now for four main reasons 1. I did not catch how they were reporting until 4 months ago 2. I keep trying to give them the benefit of the doubt they will act accordingly, they wont obviously 3. I paid/closed my auto loan account and wanted to make sure they could not retaliate further for this one and mess something up. 4. I am tired/lost patience a long time ago for the games they play They made this personal. It is pathetic and a waste of my valuable time to keep contacting CFPB to reprimand Chase. Chase has to follow the rules they are bound to, remember it is not their money we allow them to handle and just because they have a lot of money/power they can not just do whatever they want. 
I am not the only person I know of them doing this to. 
Chase need to be slapped just as XXXX XXXX was recently : ) Thank you for your time.
Consumer complaint received 2021-10-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (GA)

To start, I didn't receive a written notification from convergent outsourcing about the debt. I sent a certified letter to validate/verify the debt dated XX/XX/2021 and it has been well over 30 days and I haven't received a reply. I did however received the return receipt showing the letter was received by the company.
Consumer complaint received 2016-09-08
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (MA)

Synchrony Financial Bank / Care Credit Fail to post payments and allocate them to the correct promotion. causing undo stress of dealing with XXXX reps a poor phone system that keeps you on hold for over 1 hour. and reps refusing to do their job correctly. continued follow-up calls need to be implemented for this to get done. It 's pretty sad that you need to turn to social media sites to get action and have been blocked due to threatening a class action lawsuit.
Consumer complaint received 2022-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY (VA)

Please reference Complaint # XXXX... 

I continue to have concerns about Wells Fargo 's handling of my Credit Card applications. Although the latest set of concerns were shared w/ Senior EVP and CEO of XXXX XXXX XXXXXXXX XXXX XXXX via formal letter on XX/XX/22, I'm yet to receive a reply. 

A copy of my XX/XX/22 letter to XXXX XXXX is attached.
Consumer complaint received 2022-01-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CA)

Flag star XXXX XXXX XXXX XXXX XXXX MI XXXX ph number -- XXXX XXXX XXXX XXXX this is regarding the forebearrance plan that i had with the bank, Since i started paying they dont end the forbearance plan still showing in my document as delinquet they dont let me resolve. I sent all the documents to their portal they keep saying they cant see the documents. we can see the portal from our end that all the documents are uploaded. i keep paying the monthly payment but they wont let me exit the forebearance unless i pay the whole amount i owe to them which is hard at this time. i requested them to put the money i owe to the back of my loan and i keep paying the amount the monthly payment but it doesnt happen.
Consumer complaint received 2022-01-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HW Holding, Inc (NM)

I have a couple companies that I would like to report. The issue is that these companies are continually making inquires on my credit and continually having a negative effect on my report. Each company do not notify me when they are making inquires or reporting. Therefore, each of these accounts will never fall off. I am trying to purchase another vehicle and I am not able to purchase one due to these accounts. 

Hunter-Warfield XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-05
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. (CT)

In accordance with the Fair Credit Reporting act XXXX  XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (GA)

On XX/XX/XXXX I submitted a request to my mortgage company ( PNC Bank ) to close the escrow account. After many calls and follow-ups, I finally received a letter on XX/XX/XXXX indicating my escrow account can be closed but I have to pay a fee of {$1100.00} for " closure fees '' and submit a consent form. I signed the form and sent it back to the bank via mail as requested. On the night of XX/XX/XXXX at XXXX EST, I called and spoke to XXXX XXXX PNC requesting information regarding the fee they disclosed and where in our document was this acceptable. The lady on the phone, after several minutes of review, indicated she couldn't find the clause in the documents that allowed them to charge me this fee. I requested her to have someone call me and drive me through the document as to where those fees were agreed upon in our document. So far, I have not heard back from the bank and I don't want to delay more the closing process. I just want indication as to what we agreed upon is correct and that I'm to pay those fees. If that was not the case, I shouldn't be charged for that.
Consumer complaint received 2022-01-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (AZ)

New Information... Discover is a debt collector engaging in commerce within the United States of America and must adhere to federal laws. Discover has failed to provide the necessary information I requested for me to validate my obligation to the alleged debt pursuant to 15 USC 1692g ( b ). Discover has assumed the role of a consumer or court because they have taken it upon themselves to state that the alleged debt in question is valid without my consent as the consumer or a judgement from a court. Discover has not sent me the name or address of the original creditor like I requested pursuant to 15 USC 1692g ( b ) but they keep sending company billing statements and card agreements stating these validate my obligation to the alleged debt. Discover is impeding my ability to exercise my right as a federally protected consumer.

Discover is now causing irreparable harm to my reputation by publicly reporting this account as delinquent without validation that I am even obligated to this alleged debt. Discover has also responded to my request to remove this account from all Credit Reporting Agencies by stating that they are required to report this account to the CRA, required by whom? pursuant to 15 USC 6801a it is Discover duty to protect the consumers nonpublic information, pursuant to USC 6802a Discover may not provide any consumers nonpublic information to any nonaffiliated third party. Furthermore I was never given the opportunity to opt out of the public sharing of my nonpublic information pursuant to 15 USC 6802b ( 1 ) ( B ) nor was I offered an explanation on my right to do so pursuant to 15 USC 6802b ( 1 ) ( C )
Consumer complaint received 2022-11-20
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. (NY)

Greetings to you ; Please be advised, that I XXXX XXXX have tried on multiple occasions to dispute the inaccuracy of this account being negatively reported on my credit reports with EQUIFAX ; This account in question IS NOT THE CORRECT AMOUNT Being reported ; my son XXXX XXXX XXXX is now XXXX XXXX XXXX XXXX ; has been XXXX  as of XXXX  ; and his current XXXX is passed the XXXX XXXX limit to collect child support in the state of New York! 

In quoting ny.court.gov in which it clearly states : " In New York State, a child is entitled to be supported by his or her parents until the age of 21. However, if the child is under 21 years of age, and is married, or self-supporting, or in the military, the child is considered to be " emancipated '' and the parents ' support obligation ends. '' However, NYS DEPT OF SOC. SVC. CHILD SUPP AGENCY is Still attempting to collect child support illegally, and thus continuously reporting illegally to Equifax despite my many attempts to resolve this matter. 

Equifax has Failed to provide me PROOF that this account is 100 % accurate and the amount reported on my credit file is 100 % Accurate according to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), in which it states you are required by federal law to verify the accuracy of any reporting to my credit files, if disputed by a consumer, within 30 days. 

If this account ending in XXXX can not be verified as being accurately reporting with accurate amounts being listed as owed, It MUST be removed according to Fair Credit Reporting Act. and 15 US.C Sec. 1681 ( a )
Consumer complaint received 2022-01-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (AZ)

On XX/XX/XXXX, the insurance agent contacted PNC to obtain a payoff since the car was totaled. On XX/XX/XXXX the check was issued. I have contacted the PNC bank on XX/XX/XXXX and XX/XX/XXXX to see why the funds have not posed to the account. On the XX/XX/XXXX the representative stated it will be applied with with in 10 business days. I called on XX/XX/XXXX first time the agent tried to collect even though I had previously told PNC agent I am filling bankruptcy. The supervisor called back and could not provide any on formation on why the insurance check was not applied to the loan.
Consumer complaint received 2022-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (CA)

Penn Credit is trying to collect money for an UNSOLICITED cookbook. I had the same problem a year previous and reluctantly paid because I was sick and didnt realize consumers are not responsible for unsolicited merchandise. I canceled my magazine and told the company both written and at the XXXX number to cancel everything and never send me anything else. 
I called both the magazine office and Penn Credit. They both know the product was not solicited. They both known consumers are not responsible for unsolicited merchandise but play this fraudulent game year after year.
Consumer complaint received 2022-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (NC)

To whom it concerns, I have requested an investigation by the three major credit bureaus for the following debt collectors : I C System. This company opened an account using my personal information with no authorization from me. I C System has reported to The Bureau that the accounts of the alleged debt are open and active but listed under derogatory marks. How can an account show open under a collection status? I requested from all three bureaus ( XXXX, XXXX, and XXXX ) an investigation for this company, and the process has not started. XXXX sent a response letter providing me with the contact information for the debt collection company in which I have already sent a validation letter. I C System has reported an incorrect illegal account to The Credit Bureau without consent from me. The Bureau reported that the account was valid. I spoke with this company and explained that the devices were returned to the alleged Original Creditor. The Original Creditor was listed on my credit as XXXX XXXX which is incorrect. I am a consumer which makes me the Original Creditor. I also explained that the final bill was paid, and the account was closed. I requested that I C System provide me with a contractual agreement between them and I containing my signature. The document requested should show that I agreed to open an account using my name, address, phone number, social security number, etc within their establishment. I do not owe this company and the alleged debt has already been paid. This tactic is listed in the U.S. and State law as identity theft and has been violated. They assigned a company identifier number with my personal information attached for an alleged debt that I do not owe. According to 15 USC 1692 d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have multiple denials from major companies due to this oppression.
Consumer complaint received 2022-01-29
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. (MD)

We need to have the mortgage balance amount corrected to reflect what is on the last month mortgage statement ( attached ). There are two balance amounts on the statement. 

There is an Interest Bearing Principle amount of {$180000.00} and right below that amount is showing as " Outstanding Principle '' of {$180000.00} - we're told that either should be reported to the Credit Bureaus. 

The amount being reported to all three credit bureaurs is " {$190000.00} We called into XXXX to find out why the amount reported to the bureaus exceeded the amount on the XXXX monthly statement, but did not get an concise answer or heard anything that made explained the amount.
Consumer complaint received 2016-02-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (MD)

I recently filed a complaint ( # XXXX ) with your company against Southwest Credit Systems , L.P., located at XXXX XXXX XXXX, XXXX . XXXX, XXXX, XXXX XXXX about a debt I do not owe. 

In response, " SWC state on XXXX XXXX, XXXX, XXXX contracted with SWC to collect the unpaid amount of {$490.00} on account XXXX from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. According to XXXX, the account became delinquent XXXX XXXX ''. 

I recently reviewed my credit report with XXXX dated XXXX XXXX, XXXX, and reflecting is a collection account in the amount of {$490.00} that was assigned on XXXX and reported to the CRA 's on XXXX by XXXX XXXX, located at XXXX XXXX XXXX XXXX, TX XXXX. 

This account was eventually removed from my credit report after informing them that I do not owe the alleged debt. 

Although, Southwest Credit Systems L.P. state on XXXX XXXX, XXXX, XXXX contracted with them to collect on the alleged debt. I believe they uttered untruth knowingly and they are XXXX XXXX, and was assigned the account before XXXX XXXX, XXXX removed it and put it back on my credit report under a different name.
Consumer complaint received 2022-01-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (GA)

Servicer received payment of {$1700.00} on XXXX. Check was deposited the same day. Servicer has yet to apply payment to account via conversation with customer service and online account. Borrower is concerned that servicer will still report payment as over 30 days late and will ultimately hurt borrowers credit score even though payment was made within 30 days.
Consumer complaint received 2022-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (NY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX continues attempts to collect {$100.00} for non-return of equipment when my account was closed on XX/XX/XXXX, despite documented proof ( " XXXX XXXX Return Receipt '' ) provided to them that the equipment was returned on XX/XX/XXXX. Their most recent correspondence ( XX/XX/XXXX ) completely ignores my documentation proving their billing error, refers to my dispute as an " inquiry '', and misrepresents an enclosure from XXXX as a " response '' to my submission when the enclosure is actually not a response but is only copies of erroneous billing statements dated XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX.
Consumer complaint received 2016-12-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (MA)

I am having a problem with my Chex systems report. There is an account that is showing on my file with XXXX that was opened fraudulent. I have attempted to contact Chexsystems an only get an automated system. I have filed a police report and I am trying to see where do i have to send it to but have been unsuccessful in getting through to anyone.
Consumer complaint received 2022-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma (TN)

Between the months of XX/XX/XXXX to XX/XX/XXXX Credit Karma has been sending me notification from their websites stating that I was preapproved for XXXX credits, cheaper auto loan refinance and a personal loan for up to {$5000.00}. I applied and has been denied from all of them. I have been stressed and at those times I really needed the money. This has caused harm to my credit report and has cause me to accrue more damage to my credit.
Consumer complaint received 2022-11-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (TX)

I used to have chase before this since 2018 they closed my account with no reason so I try to open an account with chase bank a week ago they open the account but when I was trying to login into my online banking they said I wont be able to have an account with them cause the bank dont want to have a relationship with me
Consumer complaint received 2022-11-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: BlockFi Inc (CA)

The BlockFi terms of use state that a users wallet is their own property at all times, and not the property of BlockFi. BlockFi, however, has acted as if it is their property and refused to provide access to, withdrawals of, or otherwise has converted users assets contrary to its own terms of use and without authorization of the users. 

The Wallets should be returned to each own, especially XXXX assets which were represented to be backed 1:1 from instititutions, thereby knowing that the assets can be withdrawn. Any other action by BlockFi is not legal and is akin to fraud, embezzlement, and stealing of user assets -- especially if such assets are being used to finance BlockFi 's other initiatives or financial problems with separate and distinct loans or related transactions.
Consumer complaint received 2022-01-29
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. (LA)

Equifax-I show that back in XXXX of 2021 2 Regions accounts was removed from my credit report. However it is back reporting I was not notified by the agency of this reinsertion and I do know they had 5 days to let me know about this reinsertion and I was never notified about it.
Consumer complaint received 2016-02-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: JPMORGAN CHASE & CO. (NJ)

XXXX has not sent me any statements showing my balances due. I did not know my loan was almost defaulted - I was informed by a accelerated action letter from chase dated XXXX. I was not given any phone calls or additional letters warning me that I was about to default. I am just asking chase allow me to make up the missed payments and continue making the monthly payments. I WAS TOLD WHEN MY LOAN WAS MODIFIED FOR LONG TERM PAYMENT MODIFICATION I WOULD HAVE FORBEARANCE FOR PAST DUE AMOUNTS. THIS DID NOT HAPPEN. i WAS NOT INFORMED THAT THIS HAD NOT HAPPENED.
Consumer complaint received 2022-01-29
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. (AL)

I have sent information Showing that the information the bureaus are reporting are inaccurate and incorrect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX
Consumer complaint received 2020-01-09
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: EQUIFAX, INC. (TX)

After 3 years. A account is reported back on my credit reports. The original creditor is reporting and the agency they apparently sold this debt to. First, its against the law for the original creditor and a collection agency to report the same thing. That is fraud! Second, this was removed from my credit report XX/XX/2016. Due to incorrect information, harrassment, threats and etc from XXXX. Then its a different name of 12 XXXX and the collection agency XXXX XXXX. Both the same with a couple dollars off. All illegal and fraudulent.This needs to be removed and never sold or return on my credit report ever?