davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-26
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. (GA)

I XXXX XXXX Am a PROTECTED CONSUMER. I know my rights. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. THIS IS XXXX XXXX, THIS IS XXXX XXXX, THIS IS XXXX XXXX, THIS IS XXXX XXXX, THIS IS XXXX XXXX, THIS IS XXXX XXXX, THIS IS XXXX XXXX. DO NOT SAY THIS IS A UNATHORIZED PART OR CUSTOMER THAT YOU DON'T recognize! DO NOT SAY THIS IS A UNATHORIZED PART OR CUSTOMER THAT YOU DON'T recognize! DO NOT SAY THIS IS A UNATHORIZED PART OR CUSTOMER THAT YOU DON'T recognize! DO NOT SAY THIS IS A UNATHORIZED PART OR CUSTOMER THAT YOU DON'T recognize!
Consumer complaint received 2022-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I DO NOT RECOGNIZE THESE INQUIRES. THE FCRA ALLOWS ME TO HAVE FALSE ITEMS DELETED FROM MY REPORT. I DO NOT HAVE ACCOUNTS OPEN WITH THESE COMPANIES. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: One Technologies, LP (MA)

On XX/XX/XXXX, I checked my bank account and saw a charge of {$29.00} from a company called " National Credit Report.com ''. Upon further examination, I discovered I'd been charged that amount for at least 2 years and immediately found a number to call online. When I described the issue to the agent on the phone, she informed me I'd actually been charged this amount ( {$29.00} ) for more than SEVEN YEARS, which at least amounts to {$2500.00} with no knowledge on my part that I had ever signed up for this " credit monitoring service ''. She said it appeared my dad had likely signed me up for this service years ago under the lure of a free service ( for a limited time ), but I had no knowledge of this, they never tried to update contact information or reach me, the named " client '', which I just find to be unbelievably predatory. She also said the corporate office would be in touch with me within 5-7 business days - I just heard from them today ( XX/XX/20 ) in the form of a VERY hostile phone call from an agent who said the " onus is on you for not realizing this for 7 years '' among other things that did not lead me to believe I'd be getting a fair investigation from their corporation office. In case it's helpful, the complaint # they gave me is : XXXX. 

I also did some digging, and it appears the parent company had to pay {$20.00} XXXX to more than 140,000 consumers for what the FTC called " an online scheme that lured '' people into signing up for services like this https : //www.ftc.gov/news-events/press-releases/2016/09/ftc-return-almost-20-million-consumers-lured-credit-monitoring I'm not confident " National  Credit Report '' will cooperate at this point but would deeply appreciate the help of the CFPB especially now ( coronavirus ) - I simply can not afford to let that money go.
Consumer complaint received 2022-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (IL)

JPMCB Card Services XX/XX/2022. Someone tried applying for credit card. Received letter in mail stating I wasnt approved for card. Did not apply for one.
Consumer complaint received 2021-05-26
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. (MO)

Please help me out here i have been trying everythng under the sun to get this stuff fixed on my credit report. This is really causing me a lot of pain and XXXX  bc nobody seems to be folling the fair credit reporting act and still reporting false information with out even verifying things with me. They aren't updating me on things and its been over 70 days. 15 united states code 1681 ( i ) clearly says that they have 30 days and it has been 75 days and these issues are still hurting my credit. Even with covid these high interest rates are making it hard to survive. I need somone to help the credit agencies take me serious because they are stalling and just giving me the run around. They are violating my privacy rights and my rights as a consumer. My info has also been compromised in the equifax and XXXX data breaches to make things even worse. Please i need this incorrect items off of my report ASAP
Consumer complaint received 2022-06-07
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

They say I opened an account on XX/XX/2021 with a balance of {$7100.00}, but I I have never signed any contracts or documents opening anything I would like to see the full contract saying I opened this with them and a full un-redacted purchase agreement
Consumer complaint received 2021-05-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (AZ)

We purchased a NEW XXXX XXXX in XX/XX/2021 and took out a loan with Kia Finance and we paid every month on time and actually paid in advance and in XX/XX/2021 and we only have a couple hundred dollars for payoff the vehicle which we sent a check on XX/XX/2021 for final payoff payment of {$200.00}. However the KIA Automotive Billing Department keeps sending us correspondence saying " your payment of {$200.00} IS PAST DUE '' THAT IS VIRTUALLY IMPOSSIBLE. 
We called the billing Department and they agreed there was an error but refused to send us a confirmation that there was an error. Talked to various people including a manager and they all refused to sent a confirmation of the mistake. A week later we get a bill saying we owe XXXX and there will be a LATE CHARGE OF $ XXXX.WE CONTACTED THE BILLING DEPARTMENT AGAIN AND IT WAS THE SAME STORY " WE CAN NOT SEND YOU ANYTHING VERIFYINF ALL THE ERRORS, BUT WE WILL MAKE NOTES IN YOUR RECORD. We paid this loan off years early and they keep sending us this kind of correspondence that will affect our credit rating of XXXX. We are never late paying anything always pay off early, just like now.
Consumer complaint received 2021-05-26
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: TRANSWORLD SYSTEMS INC (KS)

I have 4 ( four ) student loans with UAS/XXXX. Two of the accounts ( number XXXX and XXXX ) showed 3 ( three ) missed payments each at the end of XXXX for a total of 6 ( six ) missed payments. 
I found the problem on XXXX report early XXXX. All these accounts are paid by automatic debit and have never been late. 
I immediately called the creditor and confirmed that was an administrative error. They promised they would update the reporting by the end of the month XXXX XXXX XXXX. 
After that the account ending in XXXX showed 2 missed payment ( no longer 3 ). Nothing changed on the other account and I still have a total of 5 missed payments on both accounts erroneously posted against my name. 
I called again and again XXXX/Chesla, but they never gave me a definitive answer nor returned the multiple requests for a solution. 
I also filed multiple complains with XXXX, but they did not solve the problem either. In one of the complains their response was that the account was already updated and the complain was closed, but nothing changed. This was the reason I am filing this complain. 
Just want to note that this is not only an inconvenience. I am trying to finance a major real estate purchase and this reporting is causing by credit score to be under the level I would otherwise be entitled to better rates. I had to postpone the financing decision because of this problem. 
PS. I only see this issue with XXXX and not with XXXX I am not aware if the other credit bureaus are also reporting, but my real issue is with XXXX
Consumer complaint received 2022-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (VA)

Credit card account has two types of balances in the relevant period - a balance with 0 % promotional APR until XX/XX/XXXX ; and a regular interest-bearing balance for ordinary purchases. Since the making of the balance transfer with 0 % APR on XX/XX/XXXX, I have been making fixed monthly payments of {$700.00} ( plus some in a few instances ) and spending way less than that per month ( up to $ 300 month XXXX, most months under {$100.00} ). Instead of applying the payments to the higher APR purchase balance, the bank appears to have been applying them to the 0 % balance instead. As a result, the interest bearing balance has continued to accumulate up to {$930.00} now. This is despite the fact that until the XXXX statement, not once did I spend more than {$700.00} on this credit card since making the balance transfer ; meaning the interest bearing balance should have been XXXX after every single billing cycle and should be approximately {$100.00} at most right now. Instead, the bank has been charging me on interest on seemingly random amounts of a total " purchase '' balance for at least a year. 

After I called the bank and informed them of this violation of the Credit Card Act in XXXX, the customer service rep agreed to refund all interest charged and fixed the issue. On or about XX/XX/XXXX I noticed another interest charge on my account on XX/XX/XXXX. I attempted to call the bank to resolve the issue on XX/XX/XXXX. I explained that the interest charge in question is contrary to the Credit Card Act, but the customer service rep kept repeating that they " requested the charge be waived but my request was denied. '' I repeated several times that what the bank had done is in violation of the law and is not something that they have the option not to remediate, she said all she could do was make another request ( which she did, and which was also denied according to her ).
Consumer complaint received 2022-08-13
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. (GA)

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 agencv can not furnish a account without my written instructions
Consumer complaint received 2021-05-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TrueAccord Corp. (CA)

On XX/XX/2021 at XXXX XXXX XXXX XXXX XXXX True Accord emailed from XXXX to my relative in attempts to collect a debt from over 10 years ago and disclosed my personal financial information. I sent them a cease and desist letter on XX/XX/2021 after my relative forwarded me the email which caused distress within my family. They sent another email on XX/XX/2021 at XXXX XXXX, again releasing personal financial information to my relative.
Consumer complaint received 2021-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (AZ)

Westlake Financial repeatedly call me for a debt thats not mine. Its not even my name they keep asking for. Ive told them repeatedly the person their looking for isnt at this number. They keep calling and its getting late. They keep calling from XXXX.
Consumer complaint received 2021-05-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (DC)

I was sent two fraudulent checks. The sender then requested money be sent via XXXX and scammed me out of {$1200.00} XXXX {$700.00} ) ( {$500.00} XXXX The sender has not responded to any communication and I am concerned they have access to my information. I have reached out to the seller via text and by phone, to no avail. 
I contacted JP Morgan Chase, I have had an account with them for over 15 years. At this point it feels like there has been no support or protection. I have never had an issue and I would think my bank would take into consideration and help me during a time someone took advantage of me. There has been no protection or indication of a follow up with me. I would like to get this case resolved as I am now at a disadvantage, even more so as we are in a pandemic. COVID-19 has had a severe impact on my finances and I have done my best to save when and where I can. Due to the nature of this, and severity of the situation, of which I am sure I am not the first victim, I am asking that we can file a XXXX Chargeback Claim or file a complaint with JP Morgan Chase.
Consumer complaint received 2021-12-09
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: AES/PHEAA (IL)

I recently checked my credit report and noticed there were XXXXXXXX loans on my report that I did not authorize. I have never applied for a XXXX loan before, and I have a total of {$33000.00} in loans from a company by the name of Fedloan Servicing. I reached out to XXXX, XXXX, and XXXX via phone and certified letter on XX/XX/21 and XX/XX/21 to dispute this inaccurate information. I also reached out to the Fedloan Servicing on XX/XX/21 and XX/XX/21 asking them to provide me with some form of debt validation. Today is XX/XX/21 and I have still heard no response from this company. All XXXX of the bureaus claim to have verified that I took out these loans, but this can not be true. I specifically asked each of the XXXX bureaus to provide me with debt validation from the alleged creditor, and each company completely ignored my request and sent me a generic-like response to my dispute. It has been well over 30 days since Ive exercised my consumer right to ask for debt validation from this loan company, and the fact that they havent responded is unacceptable. Ive already called all XXXX  bureaus with this information, and they are still refusing to remove this information from my credit.
Consumer complaint received 2021-05-25
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. (NJ)

I have reached out to Equifax well over 90 days ago and they have failed to comply with the investigation I asked to to do on false misleading and inaccurate information on my credit report.
Consumer complaint received 2022-08-19
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. (FL)

This is XXXX XXXX and I am submitting this CFPB complaint to you today to request that the following disputed accounts be completely deleted from my Credit report. Again, I was a victim of identity theft and this is my third CFPB Complaint to remove the information from my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove any accounts not later than 4 business days after XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. With accordance with the FCRA section 605b I am looking forward for the removal of the Following account from my Credit Report : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$6300.00}
Consumer complaint received 2019-10-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC. (IL)

I applied for the Illinois Hardest Hit Fund program offered by IHDA. IHDA sent SUNTRUST a request in XXXX OF 2019 to verify all of the figures on my mortgage. This normally should take no MORE than 35 business days. 

It is now 3 months, and I do not have any answer from this lender. My file is sitting at IHDA collecting dust since Suntrust has not answered and seems to not know what they are doing. 

Can Suntrust please answer IHDA so I can get mortgage assistance. Thank you
Consumer complaint received 2021-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$750.00} ''. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Consumer complaint received 2022-03-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CO)

Approximately 60 plus days ago ( on or mid XX/XX/2022 ), I spoke to and submitted required documentations and filled out proper information to apply for a short term loan on a single family house ( House A ) that had no debt.

The reason was that a we needed cash for closing on a new purchase of a home in another state. ( House B ) The amount needed for cash at closing was a {>= $1,000,000}. 

{$400000.00} was needed for a down payment. These funds came from a HELOC ( House A ) House A appraised by lender in question was {>= $1,000,000}, the amount of the loan would be approximately {$700000.00}. The lender in question knew from day one, that this amount would be paid off when House A was sold in the next 12 months.

From the 1st day ( and documented with many e-mail chains ), The lender was very well aware that the loan for House B was being secured by another lender.

Last Week the lender in question promoted that they would like to loan on House A and House B. This lender interest rate was about 1 % more than the lender that was already in place for House B.

As mentioned, this lender knew from day ONE, the need for a short term loan AND that the lender in place for House B had a lower interest rate. 

We go through almost 60 days and lender in question wants to loan on " both '' houses and even made the comment " better to have both loans under XXXX roof '' ( backed up by e-mail. 
The lender in question KNEW that their interest rate was higher and knew very well the loan to debt ratio .... this is the lenders comment " I realize that is an incredible deal, would you give me the opportunity to match XXXX. If you can provide the documentation, I will take it to my management team and see what we can do to keep all your banking under one roof. '' When I said I will keep the lender for House B, a day later an email said " can not do the loan '' The lender in question supervisor also sent a email supporting the loan denial for " reasons '' There is a long email chain backing up statements and " killed '' the loan on House A when I said I would stay with other lender on House B They knew very well from day ONE about debt ratio and it as NEVER a problem until I said no.
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (CO)

I received a USBank Relia visa debit card on XX/XX/XXXX for unemployment payments. I am retired so I have not requested any unemployment benefits. The debit card has my name ( XXXX XXXX XXXX ) on the card. I have tried to contact the number on the back of the card but they tell me there is 204 people ahead of me. The website does not give me any way to close the card so I am afraid that some one has filed a unemployment claim in my name to defraud the government. The card number is XXXX valid thru XX/XX/XXXX with the number on the back of XXXX. I have contacted the Colorado unemployment office and filed a complaint. I have not had a invisticator call me back yet. If you have any questions for me call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX XXXX