davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I received a letter from Chase XXXX XXXX XXXX XXXX, OH XXXX. This letter advised me that due to recent activity, they restricted my account. I was asked to call XXXX to see if they can address the issue. I called and was told my account was compromised. On XX/XX/XXXX I received another letter confirming that I did not open another account in my name and referred my account to the fraud team for review. On XX/XX/XXXX my account was removed from the web site. My debit card was terminated. I called Chase once again and they kept me on hold and eventually the line was disconnected. I called again and they refused to give me information regarding an investigation. On XX/XX/XXXX I received another letter from Chase indicating that I must call Chase about my online account access. They indicated that they locked my online account access to protect me. I was told call XXXX to unlock access. When I called, they told me that I must go to a local office. I went Chase XXXX branch and was told that my funds from my old account would be mailed to me in 5-7 business days. After two weeks I had not received my funds. I called Chase at XXXX XXXX and was told that my funds were suspended until the Team completes their investigation. I am a XXXX XXXXXXXX XXXXXXXX XXXX XXXX and was unabe to receive my XXXX XXXX XXXX XXXX XXXX coming home for XXXX XXXX. I am very angry.
Consumer complaint received 2023-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

I open a chase checking account on XX/XX/XXXX. 

I deposited two checks on XX/XX/XXXX. 
XXXX for {$820.00} and the other for {$750.00}. 

The bank put my checks on hold until XX/XX/XXXX for the following reasons : Info received from the paying bank or due to information we have within our own files. 

On XX/XX/XXXX I told the bank if they can cancel my deposit so I can just go to the issuing bank and get my money the same day. They will not cancel and I just have to wait till the XX/XX/XXXX because they want to make sure they get the XXXX 

On XX/XX/XXXX the check for {$820.00} did not get paid for insufficient funds. I trusted the person who gave me the check an unfortunately he lied to me about the account having the funds to cover the check. 

Now on XX/XX/XXXX the check cleared for the {$750.00}. The issuing bank paid the money and chase is holding my money and doesn't not allow me to get it. They lied to me and they requiring for the person who wrote the check to contact them before I can get my money. This is outrages for them. They are holding my money & lend it out and making interst on it until they won't to give me my money back. I told chase I can provide them of anything they need about me. I provide then with all info they need to open my account. They have personal information. I DONT HAVE ANY CONTROL ON THE PERSON WHO WROTE ME THE CHECK NOR DUE THEY. The issuing bank has there information and if they had a issue with my check they would have check with there client. They paid the money because everything was good. I told chase you made me wait 10 days and I did and the money was cleared by the issuing bank and they no right to withhold the money they received for me. It's not there money, so what give them the right to hold my money. They need to pay me my money.
Consumer complaint received 2024-02-15
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: EQUIFAX, INC. (CA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX  days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-11-25
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Kikoff Inc. (AZ)

This company misleads consumers. They don't disclose what the actual terms are until AFTER they obtain your confidential details, including social security, open a profile by default that I can't delete. They only allow you to close a subscription account but are retianing my confidential data. I would never have provided them my confidential information had they disclosed to me that they were strictly a department store credit card and there were subscription fees. Again, they disclose this card is NOT a line of credit AFTER retaining my confidential details. They claim to offer other benefits to improve credit scores, such as opening a savings account. And finally, after studying the reviews on the XXXX XXXX XXXX, it's apparent that there are many fake XXXX star reviews. Please note, that the XXXX star reviews are from consumers that have been scammed by this company and provide specific recurring reasons. 

Company Name : Kikoff Website : XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

I am writing to express my frustration and disappointment with the lack of progress in resolving the inaccuracies on my credit report. Despite my multiple attempts to dispute the errors and provide supporting documentation, the issues persist.

I initially had high hopes for the Consumer Financial Protection Bureau 's ( CFPB ) role in protecting consumers like myself from inaccurate, unfair, and biased reporting practices of large credit bureaus. However, my experiences have shown that these errors continue to plague my credit report, and I remain unsatisfied with the outcome.

1. Inconsistent information - The credit bureaus have provided conflicting information regarding the same accounts. This inconsistency raises questions about the reliability of the information and the process used to verify its accuracy.

2. Lack of correction - Despite my efforts to dispute these errors, the corrected information still reflects inaccurately on my credit report. The revisions made by the credit bureaus have not addressed the root causes of the problem, leaving me with incorrect information that continues to impact my credit score.

3. Personal information discrepancies - My personal information, including my name, address, and date of birth, appears incorrectly on some credit reports. This raises serious concerns about data management practices and the potential for identity theft.

4. Multiple attempts - This is my third attempt to request reinvestigation, and each time, the result has been the same - inconclusive and inadequate. The fact that different credit bureaus have different information further underscores the need for greater scrutiny and accountability in the credit reporting industry.

In light of these issues, I urge the CFPB to take a closer look at the practices of these credit bureaus and hold them accountable for the inaccuracies on my credit report.
Consumer complaint received 2021-10-05
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Aspen Yo LLC (FL)

My loan was modified after falling behind by Gregory Funding. I was bombarded with intimidating Court Documents making me feel if I did not agree to the terms offered they would proceed with Foreclosure. 

I was forced to retire after 37 years with XXXX XXXX and my salary was paid but reduced by more than 50 %. My mom was on the origial loan with me. We modified the loan the same way, however myself and my husband make the payments. I submitted paperwork with his name but they modified as per the origional loan. I have no idea why this was done. 

The deal I felt I had to take was not good but I was desperate to keep my home. I was unaware, at the time, of forebearance programs and the moratoriums on foreclosures nor did the bank mention this. I tried to contact the banks lawyer but they would not speak with me about correcting the paperwork. The loan should have been in my and my husbands name.. I thought I was applying for HAMP which I understood offers a good interest rate, especially during Covid. Mine rate is 5 %. I had to come up with XXXX in cash. I feel I was ripped off by this bank which should have given me a better interest rate and should have modified as per my application. I can not take advantage of a full homestead as the loan has my mothers name on it. She does not live her. It was as if they did not even look at the application. 

I havent received the permanant modfication papers yet. The only thing I have received is from the court- it has been released from lis pendens. I would like to reapply or refinance for a better rate but Covid had caused my credit to take some dings. My husbands credit is perfect. He qualiifies for FHA. Can the Consumer Protection Beureau help? Are there better programs out there? I would like to refinance to an affordable payment. My loan is just over XXXX but my payment, interest and taxes come to XXXXXXXX XXXX per month. This does not include insurance. I will start receiving a pension next month. My husband is still working.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
Inquiry from XXXX on XX/XX/XXXX.
Consumer complaint received 2024-02-15
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.
Consumer complaint received 2021-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion Credit Reporting Company, My TransUnion Credit Profile shows an Inquiry from XXXX XXXX XXXX XXXX XXXX XXXX ) dated XX/XX/XXXX. An inquiry should only be on a person 's credit profile for two ( 2 ) years, the date of my complaint is XX/XX/XXXX ; therefore, the inquiry should be removed immediately.
Consumer complaint received 2023-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Exeter Finance, LLC. (TX)

TO WHOM IT MAY CONCERN : MY NAME IS XXXX XXXX. I CHECKED MY CREDIT REPORT XX/XX/XXXX AND NOTICED THESE HARD INQUIRIES ON MY ACCOUNT. THESE ARE NOT PERMITTED BY ME. I HAVE NO KNOWLEDGE OF THESE INQUIRIES. I REQUEST TO HAVE THESE INQUIRIES REMOVED IMMEDIATELY UNDER 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX EXETER FINANCE LLCXXXX XX/XX/XXXX THANK YOU
Consumer complaint received 2021-11-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MI)

I am a consumer of the United States and Rushmore LMS is a debt collector which is stating that I have alleged late payment, in which i paid on time. According to title 15 usc 1692 - congressional findings and declaration of purpose, they are in violation because reporting this to my consumer report has had a huge effect on my getting a job. Which is forcing me to have marital instability. I need them to update these alleged late payments and change them to on time payments within 5 days or I will pursue litigation. They also violated the FDCPA 15 usc 1692e - false or misleading representations- because they are false representing my character because they are accusing me of a alleged late payment and i paid it on time. Attached to this complaint is a cease and desist, that was sent certified mail and green return slip on XX/XX/XXXX. Stating all the violations and harm, Rushmore LMS has committed.
Consumer complaint received 2024-02-23
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (SC)

Harrassing calls and messages have been left at my job. I don't owe this debt. XX/XX/year> I requested validation of the debt from XXXX, the person I spoke with on the phone. On XX/XX/year> I received notification from experian that my credit score had been updated. My score dropped XXXX points because of this false debt that is not mine and has not been validated. I want it removed from my credit report. I have not had a sprint account in more than 7 years that account was paid in full, when I switched services.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

To whom it may concern, I sent in my disputes to XXXX, XXXX and TransUnion to dispute addresses on my credit reports and the arrived to all 3 bureaus by XX/XX/2021. 

In the dispute I stated that the only address that should be on my credit report is the address that stated on my Government Issued Identification. Currently there is more than that address on my credit report. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items were supposed to be reinvestigated or deleted from my credit record within 30 days. 

Not only were the inaccurate information not reinvestigated, It was done so by the E-Oscar system that these bureaus use. In the responses I received from XXXX, TransUnion and XXXX, they didn't include any documentation of the reinvestigation they did to verify the inaccurate address. 

. 
This is my final attempt of disputing this with the credit bureaus as I have yet to see proof of their investigation of this matter. If the inaccurate name variations don't get removed I will be filing a complaint with the FTC and seeking legal action for every violation that's reporting inaccurate information.
Consumer complaint received 2021-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (TX)

Subject : excessive interest charges against Care Credit Card without notifictaion of the amount of the charge and overlimit the account without deducting the new balance from avilable credit in amount of {$190.00} leaving the available credit XXXX, The payment were paid on time. 
Thank you for reviewing my complaint and I appreciate your time and efforts. I put a charge on my care credit card for a XXXX  for a family member in the amount of {$1000.00} in early of XXXX as the insurance would not approve the XXXX Care credit were charging me a monthly payment of {$37.00} and later {$29.00} every month. The balance of last statement of XX/XX/XXXX was & XXXX and available credit was {$160.00} and after I made the payment of {$29.00} I have available credit {$190.00}. In XXXX I made the monthly payement and then I got the monthly statement with the amount of {$1100.00} and I was shocked because even when I paind the monthly payment I credited XXXX with an interest charge {$350.00} and I realized that the new balance is the sum of old balance XXXX and {$350.00} but I expect that they would deduct the new balance from my availble credit {$190.00} which make my balnce below the limit ( XXXX ) and I would have enough credit. I contacted care credit about the issue but they were ignoring my question about my available credit ( {$190.00} ) and how it is not included in the statement. The manger were blunt that no changes will be considered toward my credits that I earned over 22 months. I need to resolve the issue with care credit because it is not fair practice to take care credit away especially for those who really need it without informing the customer about these charges upfront so I can be prepared for the issue.Thank you.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Somebody stole my car and my wallet was in there with all my personal information. I need the following accounts deleted from my report. I am a victim of identity theft. I have listed the report of accounts in a report from the federal trade commission. My affidavit is included as well. Please help me get these accounts off my file. It is tarnishing my name as well as all of the legal troubles I have to handle due to my car being stolen.
Consumer complaint received 2021-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I am XXXX XXXX and I am submitting this complaint on my own behalf. There is no third party involved Capitol one is stating that I am late on a credit card I NEVER activated or used. As the consumer and the original creditor I have been treated unfair and my credit report has been damaged in the process. The Fair Credit Reporting Act statue code 15 USC 1681 ( 2 ) ( b ) states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card shall be EXCLUDED from a consumer credit report and capitol one is in violation of this subsection of the FCRA. I DO NOT consent to to them furnishing this information o my credit report.