davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX while traveling in XXXX de XXXX, XXXX I was robbed at knife point. At the time I had cash, my wallet with my Chase debit card, and my cell phone. All of those things were taken. I called Chase to have my card closed and discovered that XXXX unrecognized charges had been made to the account totaling {$64.00}. The man I spoke to assured me that everything would be ok that the card was closed, and that Chase had credited my account. 

I spent one more day in XXXX but because my nerves were frazzled, I just wanted to get out of the big city and so I sent myself {$380.00} via XXXX XXXX so that I could have some money. I also advised my XXXX host that I had been robbed and she offered a night for free. In the stress of the next few days, I did not make a police report. I simply wanted to get out of XXXX. 

On XX/XX/XXXX I returned to the United States, shortly after on XX/XX/XXXX I received a notice from Chase denying my claim and informing me that they would be taking {$64.00} out of my bank account. When I called, they told me that I needed to send in documentation. I told them that the previous representative had not told me that I needed to have a police report. They said they would not help me. I asked for the information used to come to the decision and received nothing. As such, I faxed them my XXXX XXXX receipt and the communication I had with my XXXX host to show that A. I had informed someone about the robbery and B. That I was forced to XXXX XXXX money to myself. I have still not heard back from Chase. 

Seeing as I had been robbed and violently assaulted on the XXXX of XXXX, it would have been absolutely impossible for me to have used the card on the XXXX. I was given conflicting information by different Chase representatives, however, in the end my claim was baselessly denied. Chase sending me a letter informing me that they were going to debit my account was akin to being robbed again. I would like my claim properly handled.
Consumer complaint received 2022-06-13
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: Experian Information Solutions Inc. (VA)

In accordance with the Fair Credit Act XXXX XXXX Acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MO)

I have a my.equifax.com account. For XXXX yrs I have called to complAAIN THAT all of my accounts are gone. When I log in there is nothing for me to see.The accounts, car loans, credit card accounts etc ... all missing. I have asked them to fix but all I get is a case created and silence later on. For XXXX yrs this is gone on. I want it fixed so I can monitor my credit on a daily basis
Consumer complaint received 2022-05-23
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. (MO)

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 and purpose.
Consumer complaint received 2022-08-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

Chase bank, let me get started extremely rude, lied about regulation e and told me it takes 14 business days on an account that is 7 months old, to investigate and process a credit for an atm they have already fixed and balanced. Then hung up on me. They still owe me XXXX dollars and some change. Awful bank closing all my accounts wouldnt recommend them. Biggest isnt the best
Consumer complaint received 2022-06-22
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. (AL)

I have been contacting XXXX for months trying to get the correct information on my credit and get the inaccuracy off. XXXX has violated so government laws according to the FCRA. I dont know if the agents over the phone are not reading the rights but I have got hung up on multiple times just for asking can you send documents verifying these inquiries. I even asked a lady over the phone for XXXX can she give me documents pertaining the information on my credit report. Blantly she told it couldnt be verified through them. Well thats a violation and anything that cant be verified is subject to removal. Im very respectful when it comes to things like this but my experian has 4 inquiries and XXXX has 53 and they are telling that its just not reporting to the same agency. Like come on XXXX yall have been rude and are not expecting me to exercise my rights when their is an error or even fraud into play. But honestly Im looking at sueing XXXX rather than stress myself out for them to delete 53 inquiries that arent mine. XXXX my credit score is a XXXX  and XXXX is a XXXX. I cant get half the stuff I need credit wise because of transunion. So many rights to FCRA have been violated, Ive spent over $ XXXX {$1000.00} just send letters to transunion just for them to say they cant verify the inquiries and that They still arent removing them even if they see they are inaccurate.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had 2 different hospital bills from XXXX XXXX XXXX XXXX XXXX around XX/XX/XXXX. One of them was exorbitant and did not reflect the medical service I received. I called the hospital financial services, which promised to review it. Then, I had an international summer vacation trip with my family from XX/XX/XXXX to XX/XX/XXXX. When I came back, rather than receive consolidated bills from the hospital, I found a mail from a collection agent ( XXXX XXXX XXXX ). I made the payment on XX/XX/XXXX for the amount of {$96.00} ( Evidence : attachment 1 : payment confirmation XX/XX/XXXX. 

I was not aware of the fact that the second bill, which the hospital reviewed down to {$230.00} was already in collection without me being notified. Basically I was just targeted as delinquent, and that bill ( only {$230.00} just a penny on my finances ) already hit my credit score since XX/XX/XXXX and I never realized. So rather than send the reviewed bill amount to me, it was just sent to collection and on my credit, which had a XXXX devastating effect. I did not realize it until last week, and made the payment for the {$230.00} on XX/XX/XXXX ( Evidence : attachment 2 : payment confirmation XX/XX/XXXX ). 

I am requesting that : 1 ) Every sign of that derogatory mark got permanently removed by all credit bureaus from my credit history as if it never existed.

2 ) Every negative impact it ever had on my credit score be corrected by all credit bureaus all the way back.
Consumer complaint received 2022-06-22
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. (NY)

I am submitting this complaint regarding the fraudulent information being reported on my file. I am a victim of Identity Theft and I have reported the Theft of my Identity to the FTC and attached a copy of FTC 's ID THEFT REPORT. It has been drawn out into the open that Equifax is not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. The account listed below is resulted from the Identity Theft and must be eliminated from my file : XXXX XXXX
Consumer complaint received 2019-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc. (TX)

I was first contacted by ProCollect that owed a debt for {$270.00} for an online apartment application for XXXX at XXXX XXXX. I told that them that it was identity theft and that asked what documents I needed to submit to prove so for an investigation. The employee of ProCollect just to send what I thought I should send. On XX/XX/19, I emailed them my IDTheft Report, a letter telling them it was identity theft, and two utility bills proving my address during the time. They then sent me a letter saying I still owed the debt along with the application that was completed on line. None of the information on the application is correct besides my social security number. All other information is incorrect. There is also no driver 's license identification attached with the application. I called Procollect and was told I needed to submit a police report also to confirm identify theft. I emailed the police report on XX/XX/19. On XX/XX/19, the debt was reported to my credit report even after I told them it was not my debt and it was identity theft in writing. I have since spoken to ProCollect several times ( XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and they say it my debt only because the social security numbers match and the thieves are using an old driver 's license number that is no longer valid, in use, and is from another state. I am a victim of several online breaches including XXXX  breach and my social security number could have been stolen then. An employee named Mrs. XXXX said she was not required to let me have the investigators report even though I requested it.
Consumer complaint received 2020-11-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I demand these accounts be deleted immediately on my credit report.
Consumer complaint received 2019-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Started in XXXX of this year with them putting force placed insurance on my property when I already had insurance in place. They did an escrow analysis with the force placed insurance and upped my payment almost {$200.00}. I advised them that I had insurance, me and my insurance company sent them documentation showing proof of coverage and they still havent removed the forceplaced insurance and still have not corrected the payment amount as of today. They indicated they were going to redo the analysis ( 2nd time ) but of course, they didnt remove the forceplaced insurance and the analysis came back that I needed to pay more to escrow. I received a notice yesterday stating that I needed to make an additional escrow payment to cure the deficiency. I called and told them that they were going off the incorrect escrow analysis and that my payment was still not correct. Of course the person said let me check on that, and again, a third escrow analysis has to be done. Nothing is going to change unless they remove the force placed insurance and then do the escrow analysis. I am so tired of dealing with this. I just want it done so I can sell my property and get away from Shellpoint Mortgage. It has been a nightmare ever since they took over my loan.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Consumer Information Bureau (CA)

I received a notice that there was some suspicious activity on my credit report, so I called the various credit bureaus to freeze my credit and to chase down fraudulent activity. I thought I was calling XXXX and ended up getting this company the Consumer Information Bureau ( their number is exactly the same as XXXX except for the first XXXX numbers ). As I was in the middle of a crazy day at work while also dealing with this, my guard wasnt as high as it typically would be. This company positioned itself as being a partner of XXXX and sold me a service that would monitor my credit, which sounded good in the moment but when I stopped to think about the call after I got off something didnt seem right. So, I started digging and this very much seems like a scam. Im still trying to get a refund ( working with my bank on this at this point ) but now Im additionally worried I may have connected with someone who will try to sell my personal information, which is particularly violating given I was calling after having had my identity stolen as part of a breech. 

This company knowingly has picked a phone number close to XXXX  hoping to have consumers in a situation like mine call them so they can take advantage of us in vulnerable moments. As far as I can tell, they dont offer anything beyond what you can do with the credit agencies and theyre charging good money for it. I cant believe I fell for this in the moment and I suspect there are many, many people like me who this has happened to. 

At the minimum if this is a legit business, they shouldnt be allowed to have a phone number so similar to XXXX. And if they are not legit as I now suspect, the government should shut them down for fraud.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CREDIT ACCEPTANCE CORPORATION (AL)

During Covid-19 me and my husband experienced reduced hours and job loss which made it hard to pay our car loan from credit acceptance. We explained our situation with credit acceptance and are currently on a reduced payment plan that we have made on time payments on but credit acceptance has reported XXXX late payments on our credit reports which are dramatically affecting it. From the dates of XX/XX/2020 to present. This is predatory and violates fair credit reporting. My credit shouldnt negatively be impacted during Covid 19.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

n accordance with the Fair Credit Reporting act ( XXXX Account number XXXX ) ( XXXX XXXX  XXXX Account number XXXX ), ( XXXX XXXX XXXX Inquiry date XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX ) ( XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX, ) ( XXXX Inquiry XXXX XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX, ) ( XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX ) XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX ) ( XXXX XXXX XXXX Inquiry date XX/XX/XXXX ), ( XXXX XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/XXXX ), ( XXXX Inquiry date XX/XX/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 2022-12-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

1692b. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorney 's name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector. 



Collection Account with Original lender The XXXX XXXX is currently being handled by an out of state debt collection agency : XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX This is a violation of my rights as a consumer and this agency has no right to attempt to collect a debt from a Texas resident. I am requesting permanent deletion of this account on my Transunion and XXXX credit reports.
Consumer complaint received 2021-10-02
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: Experian Information Solutions Inc. (NY)

In XXXX, My debt card information was stolen and was used on XXXX and other online purchases. the account was overdraft in the amount of XXXX the overdraft was due to the new service of courtesy pay. I immediately contacted the back to create a dispute and it is not resolved.
Consumer complaint received 2023-01-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Brightfunders, LLC (MN)

I went through the loss mitigation process due to XXXX XXXX and XXXX. During this process, I did not miss ANY payments and as far I think the law says, when I'm going through loss mitigation process, my credit report can not be negatively impacted. As soon as I completed the paperwork for finalization of the loan modification, the mortgage servicing company switched to another company ( Lower ). Lower has me showing lates on the credit report AGAIN. I reached out to them to fix it a week or so ago and they did within just a few hours and I had perfect pay history again on XXXX XXXX I just now checked again and they have me 120 days late for the three months of the TRIAL PAYMENTS that I HAD to make in order to get my final loan modification. This has severely impacted my credit score and has led to me being denied a car loan so my family and I can have a safe vehicle. I want this fixed immediately PLEASE!!
Consumer complaint received 2024-09-20
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Peer Advisors, LLC (FL)

1. rec Email dated XXXX requesting insurance coverage policy on mtg property. 
2. responded on requested phone to their XXXX number and get offshore clerk who is not authorized to give out name, place of business in usa XXXX offiers contact points and or phone and address. 
3. two calls saying I complited with the letter of XX/XX/XXXX with proof of payment and policy face page as evidence of ins XXXX offshore clerk then says not recived, sent information on line to XXXX XXXXXXXX their XX/XX/XXXX th letter instruction. 2nd call to XXXX number does not result in acknowledgement, request XXXX XXXX office and contact, the offshore clerk refuses information. ie. " not authorized '' 4. 2nd letter says received on XX/XX/XXXX email that to disregard their threat to buy insurance on the mfg property if they do not get information on ins, however, have complied with their instructions. 
5. XX/XX/XXXX use second means of notification to them and copies of paid ins policy as did the first time, this time use fax number in XX/XX/XXXX letter, premium on ins policy was paid on time XX/XX/XXXX for new ins policy. received receipt on both attempts to submit and have them in hand. yet offshore clerk says they did not receive. 

Each year this is the same problem, they are a virtual service company and fall off the HUD service levels for operation with many complaints, want regulators to investigate the level of service and bring it up to standards for a reverse mtg lender in this country, and make them responsive with USA based corporate staff that is under USA justice department jurisdiction. Level of service from this company with multiple complaints stems from allowing them to operate offshore with critical staff and block transparency of staff here from customers. There still after all these months is not an acknowledgement of receipt of the required information after using multiple ways to submit at their direction. In addition critical personal information is required to be sent with it to offshore 3rd party companies not identified as the company employees outside US jurisdiction to comply with their operational service requirements..