davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO. (TX)

Chase is discriminated against my race. I came to the U.S in XXXX  from XXXX to study aboard. I was provided a social security number since I worked park time on campus. After that, my first XXXX XXXX account was opened with Chase. One day the bank chose to close my account without any reason. Since I only use the account receive pay checks from the school and paid for my food expenses, no illegal activities and fraud were involved. It has been 10 years and I became an U.S citizen now. I came to a Chase Branch to open a checking account with them. A banker said that I had been ban for life doing business with Chase. My XXXX  score is XXXX, and I have never been on any backlist. Im so disappointed the way Chase is handle its business with a hard working XXXX  like myself.
Consumer complaint received 2021-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX
Consumer complaint received 2021-08-19
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. (CA)

So first of all I had been on payment forbearance due to California stay at home orders and could not work and was not receiving unemployment even though I qualified due to the California unemployment office being overwhelmed. I didn't receive any money for 10 months. I communicated this with Chase and offered to submit docs. I had though I was on a three month forbearance but apparently was not. When I tried to look at my acct on my app or online it showed that I didn't even have a credit card anymore. So then I received an alert on my credit report that my card had been closed and was 60 days past due. When I contacted Chase they told me they had tried to send only 1 piece of mail to which I had never received. Also I had recently moved but did forward my address right away. so when I called I had asked why no phones calls or emails were made regarding this issue. I was given a number that I had over 12 years ago. I applied for this card 2 yrs ago and clearly provided my phone number. If they had my number right I would've been contacted. Now I recently had a lawyer contact me and was never sent any other info regarding a final due notice or a settlement. I had great credit before the pandemic and have made all my other credit cards right but Chase didn't give me a chance and failed to notify me and had my wrong info. Now I'm being sued and credit is destroyed. Also the attached docs are from XXXX when the acct was open. One photo is the home app page showing no cc and the other is trying to log in online.
Consumer complaint received 2019-01-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (AZ)

In XX/XX/2012 my auto payment ( {$400.00} ) was returned because my account information changed after my card was stolen. I paid the amount and the next payment due as soon as I knew about it but they still reported it as late. I never had any other late payments with them and even paid early sometimes. It was just a fluke that that particular payment was returned and I would like it removed from my credit report. I called Chase to see if they would forgive the late charge but the rep said they could not.
Consumer complaint received 2018-02-28
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. (IL)

Ive contacted the company numerous times to try and resolve this matter I submitted deletion letters from XXXX XXXX, XXXX and XXXX XXXX XXXX instructing that the accounts are fraudulent and to furnish me info on how they are verifying the info. XXXX refuses to cooperate with me violating my rights as a consumer to disputed errors on my report. Theyve block the access to dispute these accounts for fraud as well as gettington bank and applied bank these are also fraudulent accounts enshrined refuse to investigate them and they have not mailed me a copy of my report. Ive disputed on XX/XX/17 XX/XX/17 XX/XX/17 XX/XX/17 its been more than 30days now and they havent updated my report to reflect deletion of these fraudulent accounts
Consumer complaint received 2021-01-07
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. (TN)

Equifax should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see attached page from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureau to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.
Consumer complaint received 2021-01-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2022-10-12
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: TrueAccord Corp. (FL)

In purchased a pair of custom dressage boots from XXXX XXXX and used XXXX ( XXXX affiliate ) to pay for them. The boots were never delivered and XXXX XXXX agreed to refund my money, but never didXXXX XXXX policy was I had to resolve the dispute with the vendor 60 days after purchase. I filed a fraud claim with my bank and XXXX of the XXXX payments were returned. XXXX then said the bank took the money from them and I owed them. A dispute was opened, documents were provided and they never responded. I now have a collections request from True Accord saying I owe XXXX twice what XXXX  says I owe them. 

I followed XXXX policy and XXXX being asked to pay for a product I never received nor was fully refunded.
Consumer complaint received 2021-01-04
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. (TX)

I am a victim of identity theft and Ive been trying to remove for months now and Items on my report still remain after several attempts. According to my research and attorney consultations they are in multiple violation of the fair credit reporting act and need to resolve this immediately.
Consumer complaint received 2021-08-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

I used my debit card in person on the XX/XX/XXXX at XXXX to purchase cat food. When I put the card back in my new purse, which was a back purse I put my card in the pocket which I never do but wanted to get out of the store quickly. when I flung my purse back over my shoulder the card must've fallen out. ON the XXXX I used XXXX to make a purchase at XXXX. On the XXXX I noticed that I got a notification about my account being low. However, I hadn't used my card. There were numerous transactions at XXXX and XXXX which I never or hardly ever go to. My account had been drained. I called the bank and canceled the card and filed a claim. That the woman said I would have the money back in 1-2 business day guaranteed. When the money didn't go back in my account I called again. They said the exact same thing. I called again after two days and the woman then tells me I won't get the refund until the XXXX. Guaranteed! While out of town I get a letter stating I won't be getting the refund due to not calling immediately saying I lost the card and because it was used as a debit. I had not used my card since the XXXX and don't have it in my possession. I called them and that's all they told me. Didn't give me any other information. Earlier in the week I went to a branch trying to get more information and they were once again no help. Today I got an email stating that the reason the account was being closed was due to odd transactions. I called and they told me it was being closed because of the odd transactions at XXXX and XXXX. Which I in turn said the fraudulent transaction that you are refusing to refund me. They said yes and didn't help me any further.
Consumer complaint received 2021-01-07
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. (VA)

I filed a dispute with Equifax on XX/XX/XXXX by phone as the website was down temporarily. Equifax is reporting an account that is not legitimate and is the only agency reporting that account. Confirmation of the dispute filing was received. The results of the investigation states that the item had been deleted from the credit report on XX/XX/XXXX. However, the dispute remained open and the item still showed on my credit report. I contacted Equifax again on XX/XX/XXXX by phone and was told to dispute the item again. I declined as the dispute and resolution had been obtained, but the action noted had not been taken. On XX/XX/XXXX, the dispute showed a " completed '' status on their website with the same resolution of the item was removed. Again, the item still showed on my credit report and again, I contacted Equifax by phone and was told it would take " a few days to be removed ''. On XX/XX/XXXX, the item still showed on my credit report and upon contacting Equifax by phone ( as the website shows temporarily down still when attempting to submit online ), I was told it will be another 30 days before the item is removed. This is not FCRA compliant.
Consumer complaint received 2022-10-12
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: CITIBANK, N.A. (WI)

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 
15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Consumer complaint received 2022-10-10
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. (VA)

The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported not accurate. 

15 U.S.X 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section2 : It also states a consumer reporting agency can not furnish a account without my written instruction.
Consumer complaint received 2021-08-19
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: Navient Solutions, LLC. (AL)

My Student loans had been in forbearance during a gap ( XXXX ) period that I spent XXXX XXXX in XXXX. Ive since gone back to school. I called Navient, to explain my situation and get info on my payment options during this period. The navient rep suggested placing my loans in forbearance during the gap and that I just needed to make sure and reply to their emails when came time to renew my forbearance. In XX/XX/XXXX I realized I had a late payments for all Navient loans from XX/XX/XXXX on my credit report. I contacted them XX/XX/XXXX and was told that my forbearance renewal date fell a few days before their XX/XX/XXXX reporting date and that they did not receive my request until the first of XXXX, I explained, however, that I had received the renewal email XX/XX/XXXX ( was early morning the XXXX for me in XXXX ) and replied the same day XX/XX/XXXX. He said there must have been an error and started a dispute and asked me to provide him with the emails in order to get it sorted out. I provided both the email I received and my reply along with the original emails. He was very helpful but it took the department until XX/XX/XXXX to reply, after I had called many times and finally spoke to someone higher up. 

After speaking to them the decision was emailed to me and states they can not change the error bc their system shows XX/XX/XXXX and believe the documents I sent have the potential to be faked/edited. So I again reached out to the manager I last spoke to, again everyone I spoke to was very helpful and nice, but stated her hands were tied but allowed me to provide more evidence authenticating the email and when it was sent in case it would change the situation but couldnt guarantee anything. So Ive sent the header using XXXX XXXX XXXX XXXX XXXX, highlighted the IP/time stamps to both the received and sent email ( original ), the message ID, and emails web archive, but as stated I was told they likely wont change it.
Consumer complaint received 2022-10-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (PA)

I was contacted by someone proporting to represent XXXX XXXX patrol. oferring me a chane o collect XXXX XXXX dollar prize. they asked first for {$25.00} delivery fee for the XXXX agent and then {$150.00} fee to ensure the prize package. Stupidly, I paidboth fees through PayPal. I called Paypal to cancel the transactions but they were already sent. thewir suggestion was to contact the recipient to ask for return of my money. As if a scammer would do that.i would haver preferred that paypal as for the name of the recipoient and question all transactions sent to that account.FYI the suspected scammer was XXXX XXXX XXXX if you are swend money to thisindividual, beware.
Consumer complaint received 2022-10-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AL)

Involved in scam with XXXX through Wells Fargo. Spoofed number called from sisters phone number stating that they had my sister at gunpoint and would kill her unless {$500.00} was transferred using XXXX. XXXX owns her own dental practice and this situation seemed all too real for a robbery, especially since the call was coming from her number. Money was sent due to fraud/scam and threat to life. Date of loss occurred XX/XX/XXXX. Caller stated their name was XXXX and used number on XXXX of XXXX. Immediately called and filed claim with XXXX XXXX and XXXX fraud/scam. Also filed police report and reported to FBI. Received denial of claim letter XX/XX/XXXX. Wells Fargo refuses to refund {$500.00} even though this was clearly a scam/fraud and was reported within XXXX minutes of the occurrence.
Consumer complaint received 2022-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

I kept getting notices in the mail for an unpaid invoice of XXXX & After i went to the company they explained that an amount of XXXX $ I owed after using store credit based on a bundle of stuff i bought, and then returned, so i paid XXXX $ and added the XXXX $ to their credit card ( synchrony ) since i have an account with them, after multiple visits to the showroom the re assured me that i wont get any more notices. today i get in the mail a noticr from a debt collector!!!!
Consumer complaint received 2021-01-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NY)

XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX in XXXX XXXX, MN, are pursuing a debt in the amount of {$2000.00}, that was due to identity theft, and my personal and family accounts being compromised/stolen. My own credit cards and family 's credit cards, along with my checking account, were compromised and were used to fraudulently send funds to and from our XXXX accounts and then withdraw them, particularly my XXXX account. My lawyer has contacted this firm.
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: 99th Floor LLC (FL)

XXXX calls my hosue every day trying to extort me for XXXX  dollar for their credit repair and then telling me if i put down XXXX then pay XXXX a month they would work on a case. i told themi do not do business with terrorist and they keep on calling me. they are suckering people in with trade lines and fraud
Consumer complaint received 2021-01-07
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. (GA)

I noticed that i have been a XXXX of XXXX XXXX  for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Consumer complaint received 2022-10-12
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, account number 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 2022-10-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Foris DAX, Inc. (CA)

For at least the last two months Crypto.com has refused to give me access to my funds on my Crypto.com XXXX card. Ive contacted them on at least four different occasions and theyre still keeping my money.
Consumer complaint received 2022-10-12
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY (IL)

XX/XX/XXXX To : WELLS FARGO BANK NA AS CTL AGT po box XXXX, XXXX, MD XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. MD XXXX To XXXX XXXX XXXX XXXX XXXX in XXXX XXXX Il Re : Complaint about purchase of XXXX XXXX XXXX XXXX shows Wells Fargo as XXXX & XXXX to XXXX XXXX XXXX is about a leased vehicle I purchased over XXXX years ago. Lease & funds to purchase the vehicle were all sent to XXXX XXXX. 
Paperwork from the lease transaction in XXXX, shows that XXXX sold the car to Wells Fargo. I now must question why I was instructed to send all my payments to XXXX XXXX. 
Clear title to the Vehicle has never been provided to the XXXX of Illinois or me. Wells Fargo continues to be listed as a lien holder but refuses to acknowledge any involvement with a transaction related to of my car. 
XXXX XXXX provided the Pay-off and collected funds for the purchase transaction. Now I believe Wells Fargo should have been providing the pay-off. It appears that XXXX Sold the Vehicle to Wells Fargo. I am not sure why I was sending payments to XXXX XXXX when Wells Fargo was listed as the owner of my car. 
Please see attached paperwork from the lease transaction. 
Named parties involved in the lease transaction to acquire the car were XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Wells Fargo listed above. 
XXXX XXXX, XXXX XXXX XXXX Wells Fargo are known to be business partners I have provided the VIN number and car registration information. Title information can be verified on the Illinois XXXX of XXXX web site by searching the VIN. 
I have provided information to confirm I paid off the XXXX. 
Wells Fargo needs to communicate that they have no ownership interest in my car and reference the VIN. 

Attachments : 1. Title & Registration, 2. Instructions to Clear Title 3. Lease documents 4. Pay-off information from XXXX XXXX 5. Summary Statement describing events 6. Wells Fargo responses indicating refusal to help clear title.
Consumer complaint received 2019-01-23
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: Mr. Cooper Group Inc. (MI)

Nationstar became the more friendlier Mr. Cooper about 18 months ago. At that time was reporting trade line with all three credit agency, disappear when became Mr. Cooper. I have been trying to get the more friendlier Mr. Cooper to report trade line. They continuous send to research department with no results! This time they said they need a additional 15 days to come up with no solutions. Mr. Cooper XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX.