davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (VA)

J.P. Morgan Chase Bank has improperly used and accessed my XXXX XXXX XXXX reports- They took less than 3 days to send denial letters in the mail & hit my account with over 7 inquiries within a 10 day period They deny that they have discriminated against me as an applicant & " uphold their actions '' and completely inappropriate behavior of abusing my credit reports given they had pulled my files in XXXX & told me to reapply from XX/XX/XXXX to XX/XX/XXXX I was disrespected over the phone initially about this issue by a " XXXX '' & again by a XXXX XXXX XXXX within these 5 days I have been declined for any type of card for absolutely no reason other than having a good credit score, decent amount of revolving tradelines & I believe based on the color of my skin. Audio recordings for quality training purposes were obtained & I was spoken down to, as if I had XXXX XXXX XXXX Peasant Insurance XX/XX/XXXX I was told to reapply again by the executive relations office after unlocking my XXXX report which was what I was told was requested by JPMCB- I had my XXXX pulled that day & as well as on XX/XX/XXXX - JPMCB denies wrongdoing I have spoken to " XXXX '' who appeared to be concerned about my case in particular however after lodging a complaint on XX/XX/XXXX & following up continually it is known that JPMCB is not taking this type of corporate culture related abuse seriously
Consumer complaint received 2020-05-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AZ)

XXXX mailed check for {$750.00} for XX/XX/XXXX payment. .. On XX/XX/XXXX mortgage company cashed check for {$450.00}. Ive made numerous calls to mortgage company since XXXX no one can tell me or explain what happened & why. Today I call again an automated payment claims I made a payment on XX/XX/XXXX for {$0.00} & owe {$750.00} for XX/XX/XXXX. 
Please help as someone altered my check & now mortgage company claims I owe the full XXXX payment.
Consumer complaint received 2022-08-08
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)

In accordance with the Fair Credit Reporting act multiple fraudulent Inquiries have been found on my credit report. Please remove all inaccurate inquiries I have listed, the following includes : XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, 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 a account without my hand written instructions.
Consumer complaint received 2020-05-28
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc. (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2023-06-02
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: FC HoldCo LLC (TX)

One of my exes kept my belongings when i moved out and i ended up having to pay to order a new birth certificate and had to go get a new social security card. I noticed this account on my credit report for a car that ive never had. I dont even have a license to get a car in my name. I contacted the finance company and the document they have is a document that was signed electronically by someone and my name was signed. Ive disputed this and nothing has happened its listed as a charge off.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

TransUnion XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX
Consumer complaint received 2023-06-02
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: AXOS FINANCIAL, INC. (CA)

Sometime in XXXX of XXXX  I filed a claim with the CFPB regarding a fraudulent account opened in my name with Axos Bank. The claim was closed and Axos stated that the fraudulent account was closed. I received another email from Axos dated XX/XX/2023 referencing a " deposit account '' and a loan. Again, I have never initiated contact with Axos Bank, and anyone using my information to open accounts is doing so under false pretenses. I have attached all relevant correspondence.
Consumer complaint received 2023-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (CA)

On XX/XX/23 I placed an order ( XXXX ) on XXXX for a laptop and related accessories. The purchase was made on my AppleCard credit card. XXXX shipped XXXX packages, XXXX with the laptop and the other with accessories. The laptop was never delivered to me but the accessories were delivered. 

The laptop package was supposed to be delivered to my home but it was not. XXXX  site ( tracking # XXXX ) indicates the package was diverted ( not at my request ) and delivered to a XXXX  store in a neighboring town ( XXXX XXXX XXXX XXXX, XXXX, CA ) and that it was picked up there. At the same time that the laptop was apparently picked up in XXXX ( XX/XX/23 at XXXX ) the second package ( tracking # XXXX ) with accessories was delivered to my home where I accepted delivery in person at XXXX on XX/XX/23 ( this package shows as pending delivery on XXXX  site ). 

I reported the theft of the laptop to the local police department and the police report was completed on XX/XX/23 ( case # XXXX ). 

I have tried to resolve this issue directly with XXXX numerous times since my initial call on XX/XX/23. Today, I called XXXX to obtain an update on my refund request and was told it was declined on XX/XX/23 and that it was communicated to me by email. I never received any written or verbal communication from XXXX that my refund had been denied until today. 

I am asking for a reversal of the credit card charge ( {$2400.00} plus tax ) and a refund of the payments I have made to date.
Consumer complaint received 2023-06-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (CA)

I was a customer of Union Bank, US Bank took over my account and I haven't been able to access my account online. I've spoken with the bank 3 times now and my issue has not been resolved, even though 2 of the 3 said it was taken care of. XX/XX/31 was my first call. 2 other calls were on XXXX. They say they have customer service 24/7 but apparently that doesn't include issues such as a fraud alert. I have to speak to a specific person who put a fraud alert on my account instead of being able to have it handled by someone else who in the company. Additionally in notes of the report that has shut off my account there is no last name or department mentioned. So the 24/7 line that I called wasn't able to give me any answers. To summarize, my account was cut off with no explanation and seemingly no accountability, and apparently this is under the control of one person, without whom I have no hope of accessing my account for the first time since becoming a US Bank customer. I never had a single issue with Union Bank. And now since the merge I haven't been able to access my account for 5 days.
Consumer complaint received 2021-10-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (NY)

I used Credit karma Savings as Adviced to be A Very Safe and Reliable Bank since i was a Victim of Identity Theft I was Very scared to use any Bank at all so I after 1 year of fighting Unemployment for all my benifits to be released and 1 year of no income which made me homeless jobless and the worst of Coronavirus they have finally been Deposited into my Account first it was a problem linking my account than my account was frozen for no reason they asked for vertification Documents which i submitted and my funds been in my account since XX/XX/XXXX with no access for me and me still in the streets homeless and my account froze and last payments returned to unemployment Credit Karma Is the worst i Don't Recommend to anyone in an emergency Situation I Call everyday and get no solution all they say is that department is only Via Email and I Email everyday with no answers or access to my funds
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a pressing issue regarding the failure of the credit bureaus, particularly XXXX, to promptly investigate and update me on the status of my dispute letters, which were submitted more than 30 days ago. The dispute letters were intended to address inaccuracies on my credit report, and despite the lapse of the legally mandated investigation period, there has been no resolution or communication from the credit reporting agencies. 

On XX/XX/XXXX, I submitted dispute letters to XXXX concerning certain accounts on my credit report that I believe contain inaccuracies. To my dismay, despite the 30-day window stipulated by the Fair Credit Reporting Act ( FCRA ), I have not received any updates on the status of the disputed accounts from XXXX or the other credit bureaus involved in the dispute process. 

To compound the issue, I engaged in a conversation with a representative from XXXX on XX/XX/XXXX and XX/XX/XXXX, during which they confirmed the receipt of my dispute letters. Shockingly, the representative disclosed that the disputes had not been entered into the system for investigation. I have meticulously recorded this conversation and can provide the recording as evidence. 

As per my understanding of the FCRA, if accounts are not investigated within 30 days of a dispute being entered, they must be promptly removed from the credit report. It is deeply concerning that this mandatory investigation period has been exceeded, and the credit reporting agencies have not adhered to their responsibilities under the FCRA. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to ensure that my rights as a consumer are protected. I seek your assistance in compelling the credit reporting agencies, especially XXXX, to promptly investigate the disputed accounts and provide me with the necessary updates on the resolution
Consumer complaint received 2023-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

I applied for the Illinois Housing Assistance Fund in XX/XX/XXXX, I was approved in XX/XX/XXXX. The ILHAF requested my mortgage accounts due on my account XX/XX/XXXX and Rightpath Servicing will not provide it to them. I have called 5 or more times since XX/XX/XXXX and was originally told by several representatives that they are talking to ILHAF and that it was being taken care of. This Tuesday I received a letter from Rightpath stating that they referred my account to foreclose. I also received a letter from a lawyer who Rightpath hired to collect my mortgage payments. I called twice XX/XX/XXXX to ask why my account details have not been sent to ILHAF, I have still not received any answer from them. I believe the company is trying to start foreclosure on my house because they will not provide my account details to the Illinois Housing Assistance Fund so they can receive payment on my mortgage.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/2019 Chase lowered my credit limit after I had gotten an auto loan through another bank. This year due to Covid-19 I asked to have my annual fee waived because I had the sapphire reserve card and there was no point in having it and using it for travel. The representative told me that's not possible. I asked to switch it to a card with {$0.00} annual fee and she told me I needed {$5000.00} minimum of credit limit in order to move to no fee card and asked if I would like to try to have my credit limit increased which I said no to because it would be negatively credit impacting. She asked me, if I would like to cancel the card, which I again said no because it would be negatively credit impacting. I asked to speak to a supervisor and she said supervisors are only taking " front line customer calls '' and when I asked what that means she said, " customers who are waiting in line. '' I asked how are they different from me and she kept saying she won't transfer to a supervisor and then hung up on me.
Consumer complaint received 2021-10-08
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: Experian Information Solutions Inc. (OK)

I am requesting Experian substantiate late payments and upon updated report there is inaccurate info, therefore proves that no investigation in accordance to law was done. You can not have two consecutive 60 day late.
Consumer complaint received 2020-05-28
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: Experian Information Solutions Inc. (VA)

CFPB needs to hold credit bureaus responsible for unfair business practices. 

All three major credit bureaus engage in the same inefficient unfair business practices antiquated business practices. The government permits each of these companies to offer a myriad of complicated sophisticated unclear service is selling customer information to them while at the same time does not hold that the company is responsible for engaging in XXXX, XXXX  and Experian all engage in the same deceitful and unfair business practices and CFPB refuses to enforce. I have recordings with the organizations, but nowhere to send them. 

XXXX  has an hour long process for authenticating a person, and then they ask the same questions once they finally get in the phone. If there is an issue authenticating a person, they refuse to help, and have no backup procedures for authenticating someone. Even though I enter the correct Social Security number in their telephone system, I was asked questions about accounts which were not even mine. 

XXXX had a web page where one can log into 4 different sites. How is a customer supposed to know which one is best? Why does the company offer multiple avenues for submitting disputes each of which have different constraints. Its just confusing. I open disputes and I am constrained through their web application in major ways. For example it only looks the customer to provide details up to a certain number of characters, some arbitrarily low number of characters like 123 characters? Its ridiculous. I called and spent hours on the phone with them. They indicated I could update information about ongoing investigation by providing them documentation, but that was a lie ; they refused to provide a fax number. They refused to provide an email address. They indicate I could login and upload documents, but thats a lie too. The web application that they provide for disputing credit information forces the users into categories which do not address all Reasons for investigations. There are circumstances when companies There are circumstances when companies Our erroneously Reporting Information, and I have explicitly requested details about why or how the company holds its reported information to be valid. The company refuses to provide that information, and the credit bureaus refuse to require them to provide information. All they simply do is say the information is been validated. They dont send copies of the information that they sent to the company they dont provide copies of the information and the company sent back to them they simply hold that the information is been validated. They make a mess statements of fact in the phone calls such as were not required to investigate. 

You all need to hold these companies accountable.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

1666d - If there is a balance of credit or insurance of the account in connection to a consumer credit transaction with a surplus over XXXX XXXX, this account should be credited in the amount of the credit balance, upon request, the remaining balance of the amount should be refunded to the consumer, by cash, check, or money order. The amount can not be known without knowing the journal and ledger entries of the account from the date of account opening as described in Publication IRS 583.

AFFIDAVIT Notice, it is a fact, affiant has reason to believe and do so believe, pursuant to 15 U.S. Code 1666d if there is a credit of account balance with surplus over XXXX XXXX  in accordance to the journal and ledger entries described in IRS Publication 583, the amount balance should be credited and the remaining balance must be directed to I, the consumer by check. The documentary evidence must be provided to clarify this amount as this is a formal instruction in accordance to 15 U.S.Code 1666 ( b ) ( 2 ) to provide the documentary evidence which includes books of account in accordance with 15 U.S.Code 44 to resolve this billing error.
Consumer complaint received 2020-05-28
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: Experian Information Solutions Inc. (TN)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPTEDXXXX, DEPTEDXXXX, XXXX, XXXX   XXXX, XXXX, XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-28
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. (TN)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPTEDXXXX, DEPTEDXXXX, XXXX, XXXX   XXXX, XXXX, XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Fraudulent hard inquiries... 

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