davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-05
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: JPMORGAN CHASE & CO. (PA)

JPMCB CARD XXXX XX/XX/2015 15 U.S. Code 1666B - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2022-05-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BOK FINANCIAL CORP (TX)

The bank institution was BankOfTexas in XXXX XXXX TX. On XX/XX/2022 I had {$1900.00} stolen straight from my checking account with XXXX. I did not authorize these charges. XXXX says the bank should reimburse me the bank says XXXX should. Mean while Im sitting over here with no money. The bank closed that account and reopened me a new one but they are giving me the run around. The money shows to be transferring to a man named XXXX. XXXX and several amounts were being transferred. I never received any kind of security warning. I just want my money back and for XXXX to figure out why this is such a big deal right now!
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Sunbit, Inc. (TX)

I filed a dispute in regards to incorrect information in my credit report. It has been well over thirty ( 30 ) days and I still haven't received the results from any investigation report...
Consumer complaint received 2022-02-05
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: Rocket Mortgage, LLC (GA)

XXXXTo whom it may concern, XXXX XXXX ( with her long title that she gave me and clearly not the one in this email ) was of no help, smug and very condescending. She only reiterated that it was all my fault. I was the one who was required to give information. It was NOT Rocket Mortgage job to make sure they pulled the proper name. She also reiterated that no matter how low my credit score dropped it did not matter what the Rocket Mortgage employee told me. They were NOT required to verify any information. They had the right to put my signature on all their documents and was not required to go over them ( Pulled my credit with XXXX XXXX XXXX and then again on XX/XX/22 in the proper name, dropping my credit 10 points. Also, I made a big deal because my credit came back at XXXX. I let them know on several occasions that it was to close to going under 740. They stated it wouldnt be a problem and MAYBE AT THE MOST 1 point, needless to say the next day I got notification it went down 10. Also it show to pull on my report. GIVEN WRONG INFORMATION AGAIN. They failed to tell me about a portal, where all my documents would be, and nor were they required to go over them with me. 

As long as I gave my OK to pull my credit, they were NOT responsible for ANY documentation in their possession. 

Just horrific service and I am sure there are regulations that say differently.

Also I was not made aware of a portal until the 8th day of my loan ( unprofessional ) thats when I found out that my name was spelled wrong ( XXXX XXXX ) ( thus the second pull ) XXXX XXXX. I was told my credit would not dropit dropped 10 points. This is going to be on my credit report for 2 years. I was give wrong information BUT since I authorized the pull, I am at fault!!!! 

I want the extra pull from my credit report removed!!!! 

XXXX XXXX
Consumer complaint received 2022-02-05
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (CO)

Called XX/XX/2021 and XX/XX/2021 and I keep getting nowhere. I owe a little over 100,000 with some of the loans at 10 %. I asked a about a different program and they said they couldnt do anything.
Consumer complaint received 2022-02-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: STERLING JEWELERS, INC. (GA)

This company is illegally reaging accounts and continues to report an address on my credit that Ive never lived in called XXXX, OH.They are reporting a debt as of 2021 and the account was well before 2021.
Consumer complaint received 2018-11-30
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: FIFTH THIRD FINANCIAL CORPORATION (MI)

XXXX has been non-compliant with removing the unverified account FIFTH THIRD BANK which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that FIFTH THIRD BANK was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Consumer complaint received 2022-05-22
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. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX Account number XXXX 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 an account with my written instructions.
Consumer complaint received 2022-05-22
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX ACCOUNT # XXXX, XXXXXXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX and XXXX XXXX XXXX ACCOUNT XXXX 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 an account without my written instructions
Consumer complaint received 2022-05-22
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. (TX)

In accordance with the Fair Credit Reporting act 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 2022-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CO)

I tried to make a deposit of {$500.00} at an ATM of the XXXX XXXX  and the operation could not be carried out effectively and I have the tickets that prove what happened. The biggest problem is that since my account belongs to chase and not XXXX, they don't help me because they say they don't have access to that ATM and they don't contact XXXX either. XXXX doesn't help me either since it says that chase has to claim and they can't talk to me directly because I'm not a XXXX  client.
Consumer complaint received 2018-11-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AE)

Bank of America cancelled my debit card without me receiving the replacement. It took over a month to receive my card after repeatedly trying to grt a hold of them and ask where my debit card was. After speaking to XXXX XXXX he informed me I would receive it and the PIN wouldn't change. After I received it by the end of XXXX I wouldn't even use it because they had indeed changed the pin. This caused me to be late on all my bills from cell phone to rent. Today I am living in a home without heat because of Bank Of America not letting me access my funds. I rely on my debit card to withdraw British pounds and deposit them in nt British bank account. I'm XXXX XXXX XXXX and I'm stationed in the XXXX at XXXX XXXX.
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (AZ)

I submitted a dispute with XXXX regarding my Wells Fargo Home Mortgage account balance being incorrect. My account with the creditor was paid in full. 
So, I tried to resubmit the dispute with XXXX and they did not offer a function to include documentation proof. And I tried calling Wells Fargo Home Mortgage regarding them not being honest with these dispute investigations and the representative told me ; to contact the credit reporting companies.
Consumer complaint received 2022-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

1. The status is incorrect for the following account XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Under 15 USC 1666B this is a billing Error always paid as agreed on time this is an error this account in Violation.

2. The following account is not mine XXXXXXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 
3. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

4. The following account is not mine XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

5. The following account is not mine XXXX  XXXX Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

6. The following account is not mine XXXX  XXXX Account Number : XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

7. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
8. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
9. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
10. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
11. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
12. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
13. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
14. Validate Account Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting. 
15. The following accounts were closed by me and should state that XXXX XXXX XXXX XXXX  Account Number : XXXX FDCPA section 807 violation Misleading False Reporting, Remove at once for Inaccurate reporting.
Consumer complaint received 2022-05-22
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. (OH)

15 usc 1681 a Innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information innaccurate information All reports have to have 100 % accurate information how can they say that a proper investigation was conducted???
Consumer complaint received 2022-05-22
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)

paid collections account and agreed to pay in full for deletion on a recorded line to delete the collection from report and they never deleted it. 

XXXX XXXX XXXX never updated the balance or removed the collections like they agreed to do. 
XXXX XXXX XXXX -never updated the balance on my credit report or deleted it from my credit report like they agreed to do XXXX XXXX XXXX  -updated balance and never deleted like they said they agreed to do.
Consumer complaint received 2022-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent multiple letters to the credit bureaus addressing the billing errors that are appearing on my credit report. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card accounts under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because these are clearly billing errors. Listed below are the accounts in question : XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$6700.00}
Consumer complaint received 2022-02-05
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (NY)

This has been a on going battle for over 3yrs. I have 2 fed loan accounts that were used while I attended XXXX in XXXX XXXX. I was contacted by the education board recommending i file for a loan discharge due to the schools falsely posting job placement numbers. I did file and my accounts were placed in adminstrative forebearance, in which i continued to make payments. Fast forward early XXXX XXXX I was purchasing a new car. Everything was good until I got my credit report showing both my fedloan accounts have 3 missed payments each ranging from late XXXX into early XXXX. Around the same time every payment I made after the date I filed for a discharge was returned to me. I figured my loans was discharged. a month later I was notified my loans were not discharge and I need to continue making payments. Thats when I saw all the missed payments. I have spent the better part of 2yrs going back and forth with fedloan trying to correct this issue. Finally a manager looked into it and found the education board made a mistake and was not suppose to send the payments back and if I paid the full amount for both accounts they would fix the history. Mind you at the same time they sent me a letter stating my accounts are in adminstrative forebearance from mid XXXX to now so how could I have a missed payment?. So months and many phone calls later nothing. Only after filing close to 10 credit disputes did they finally fix and remove missed payments from only one of the Fed loan accounts. The other account at the end of the dispute I'm told meets fcra requirements and nothing is fix. Ive contemplating getting a lawyer and taking legal action due to ultimately damaging my credit causing me more money on loans and credit cards as well as falsely reporting on my credit report, at no point in time was I ever contacted from fed loan or the education board to rectify this issue. I guess we just report whatever we want to anyones credit report without their knowledge or atleast a letter or phone call.
Consumer complaint received 2022-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have reached out to the credit reporting agency about a dismissed bankruptcy on my account. It states its from the US BKPT CT XXXX XXXXXXXX XXXX. This public record is inaccurate and I disputed it and the findings was the credit bureau received from XXXX XXXX. I reached out to the court to dispute and they advised they do not report or subscribe to the credit bureaus or have an open case in my name.
Consumer complaint received 2022-02-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (MI)

Complaint against FiServ for submitting false statements to Federal Authority CFPB and RESPA, FDCPA and RICO. 

I submitted my complaint against FiServ XXXX XXXX XXXX XXXX FiServ XXXX and XXXX who during at least last XXXX XXXX years send me billing statements on XXXX XXXX XXXX XXXX letterheads where FiServ instructs me to send my payments to certain XXXX XXXX XXXX, some of which are rented by XXXX under XXXX XXXX  name. 

My payment are collected by XXXX and processed by unknown to me employees in secured centers who direct my payments to unknown to me beneficiary -without any reduction of my alleged " debt '' or any credits to my escrow account. 

Most recently someone acting under name of XXXX is sending me XXXX mail  with flagrantly fake documents " from XXXX '' while XXXX  does not have any records of these documents or my alleged " loan ''. These letters are coming from XXXX XXXX in XXXX XXXX. 

Under RESPA FiServ acts as a Servicer who for some reason prepare and send me billing statements while another company, XXXX, pretends to be a Servicer without any servicing functions. 
Under FDCPA FiServ is a debt collector since they collect from me " debt '' Under RICO, this debt is a non-existing debt for unknown to me party and collected for unknown to me " creditor '' using threatening letters from Fiserv XXXX Moreover, FiServ XXXX XXXX sent me a letter from a lawyer ( who did not sent it ) threatening me with legal actions if I do not sign promise to pay XXXX who has absolutely no relationship to my " loan '' which nobody can find. 

But FiServ, who has dozens of shell point nest doll corporations across the Country, said that my Complaint does not belong to them. 

FiServ must explain to me and CFPB why my complaint does not belong to them if all " billing statements '' on XXXX letterheads are prepared and mailed to me by FiServ XXXX XXXX and I have material proof for it. As well as letters on behalf of " lawyer XXXX '' and " XXXX XXXX '' which were sent to me by Fiserv XXXX XXXX.
Consumer complaint received 2022-05-22
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. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. To Whom It May Concern : I recently received a copy of my consumer report and I noticed some accounts on my consumer report that should not be on there. These agency is in violation of 15 USC 1681i ( 2 ) ( A ). They were to notify me of this in writing 5 days prior, I was not notified. In addition to the Violation above pursuant 15 USC 1681ia ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately : Listed of accounts to be deleted. The above Accounts are inaccurate, the character is incomplete, you are reporting a charter amount that is incomplete and inaccurate.