davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (PA)

I pay my mortgages every month online. I am never late. I have good credit. I paid one of my HELOCS on XX/XX/XXXX for a home in New Jersey at XXXX XXXX XXXX, XXXX XXXX. XXXX days later CHASE extracted XXXX rather than the roughly XXXX dollar mortgage. If I did something like this, I would have to pay XXXX times and it would be crazy to do! My bank is XXXX XXXX. I had no funds due to that large withdraw from CHASE. I begged XXXX XXXX to stop payment. They weren't sure it could be done as the payment was being processed. I then called Chase. The woman told me she would try and stop it from there end. XXXX XXXX was able to cancel the payment. CHASE kept all but XXXX to apply that XXXX payment. It created a glitch in their system where it looks like I owe back to XXXX of XXXX. I am being dunned and my credit is going to show poorly. I have been in contact with the XXXX XXXX who said they were working on it. A week from last week, yesterday, they told me to pay XXXX. I told them I would but said with that glitch in the system that they created, it looks like I owe XXXX and the payment won't be successful as it is insufficent an amount to accept. I was right. It didn't go through and the guy tells me I sound frustrated. I wrote to XXXX XXXX on XXXX who looks like their new CFO which is how this XXXX Customer Service division called me. However, I am in XXXX for XXXX months and my payment activity shows current. They are after me. This is wrong, wrong, wrong. I have never missed a payment. I am XXXX XXXX XXXX and this is abuse. Please help. XXXX XXXX XXXX XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX
Consumer complaint received 2023-01-18
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. (VA)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My money suddenly disappeared from my account and it seems my money has been stolen or mishandled through Bank of America. Twice this week, I transferred money digitally between my accounts from XXXX XXXX, to Bank of America. First on the XXXX of XXXX and yesterday the XXXX of XXXX. I received confirmation of the transaction via email and text message confirmations from both banks and when I checked my account on both instances, the money was visible in my account. This morning, I received a low balance notification to my phone from bank of america and when I checked my account, my balance was set at {$0.00}. I have no new transactions on my account and now the lines showing the deposits/transfers are no longer visible as if it were erased from the system. This is very frustrating as I needed the money to make a purchase. Now the money is suddenly missing. I need to know what happened and where my money is immediately and I have yet been able to get in contact with a representative and have been on hold waiting to talk to someone all morning. I no longer feel like I can trust this company with my money and will most likely be closing my account immediately after getting this issue resolved because this is ridiculous.
Consumer complaint received 2023-01-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (IL)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-01-18
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)

XXXX XXXXXXXX Account # XXXX is not up to date. The negative information on it needs to be deleted. I have spoken with 3 reps and the was told the ( 1 ) 30 day late payment was not supposed to be on there because the system was down and did not allow payment to process. The following day it was deducted from my account however it still reported late not due to my fault. This was paid and has been on time for a long time. Remove this late payment from XX/XX/2020 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 2023-01-18
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. (SC)

I have contributed for years to dispute this error on my report. XXXX XXXX XXXX XXXX is not properly reported on my account. This has been validated as fraud. I've worked with XXXX XXXX and Police Department. 

The Experian is not running a complete investigation and this his prohibiting me to purchase housing from my family. 

Please remove this fraudulent account so we can purchase a home.
Consumer complaint received 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-01-18
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. (TX)

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX FIN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (GA)

I am writing to report National Credit Systems Inc. for violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). National Credit Systems Inc. has incorrectly reported two identical accounts to all three major credit bureaus ( XXXX, XXXX, and XXXX ), causing significant harm to my credit score in retaliation to a CFPB Complaint I filed on XX/XX/year>. 
The accounts in question are : Account 1 : Date Reported : XX/XX/year>, Collection Agency : National Credit Systems Inc., Original Creditor Name : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX Account 2 : Date Reported : XX/XX/year>, Collection Agency : National Credit Systems Inc., Original Creditor Name : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX I dispute these account because the errors and validation. Furthermore, National Credit Systems Inc. retaliated against me further for reporting the error to the CFPB by re-reporting the same account under a different account number. 
Notably, this malicious action occurred after I submitted a complaint to the CFPB on XX/XX/year>. This retaliation is a clear violation of federal law and demonstrates National Credit Systems Inc. 's intent to harass and intimidate consumers who exercise their rights. 
As a result of National Credit Systems Inc. 's malicious reporting, my credit score has dropped significantly. The duplicate accounts have caused irreparable harm to my credit reputation. I believe this constitutes a violation of : FCRA Section 611 ( 15 U.S.C. 1681i ) for willful non-compliance with dispute procedures FCRA Section 623 ( 15 U.S.C. 1681s-2 ) for furnishing inaccurate information FDCPA Section 805 ( 15 U.S.C. 1692d ) for harassment, oppression, or abuse I have attached supporting documents, including : Credit reports from all three bureaus showing duplicate accounts
Consumer complaint received 2015-09-26
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (CA)

Was told by XXXX different people that if I paid the debt in full Amercian Medical Collections would remove the info from my credit report. They have failed to do as promised. I have an immaculate credit report and want to keep it clean. I paid it as soon as I got it. I moved for 2 years and was forwarded the notice from the new tenants. Paper says pay in full and no bad debt reporting. They simply lie to get what they want. You should n't allow these tactics. I always pay my debts and always pay them on time. I think they need to honor their promise and remove this from my credit report. They need to reprimanded for the lies they tell the debtors in order to collect. I paid the full amount and did n't even negotiate the amount because they were going to remove it within 3 days since I paid it in full via their website the day I spoke with them. This is just so unfair. Please investigate their tactics to be sure they do n't scam or lie to others as well. I worked hard my whole life to establish a great credit score and this one bad mark lowered my score drastically for at least 6 months. They ruined my credit because of their failure to keep their promise. Thank you for listening and possibly helping to resolve this issue and protect others from these tactics.
Consumer complaint received 2023-01-18
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: Cascade CISS Holdings, LLC (NY)

I recently noticed hard inquiries in my credit report, I did not know about them, I do not recognize any of them, there should be a mistake. These matter is having me very concern since I did not know about this issue, there are 7 inquiries from the past and they are affecting my credit very much. I wish to resolve this matter as soon as posible please XXXX XXXXXXXX XXXX XXXX Universal credit service XXXX XX/XX/XXXX Credit plus. XX/XX/XXXX Universal credit Service XX/XX/XXXX Universal Credit Service. XX/XX/XXXX Credit Plus. XXXX XXXX US Departament of edu XXXX XXXX As you can see
Consumer complaint received 2023-01-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/2022, An amount of {$280.00} was charged to my checking account by XXXX XXXX XXXX XXXX XXXX. I clarified that this transaction was unauthorized, but since I XXXX have ( or the agent at Wells Fargo ) mistakenly stated that " I never received the items purchased '' now Wells Fargo will not recover the funds even after I clarified afterwards that the transaction was not authorized. I received an unsatisfactory response from Wells Fargo as if my complaint was not comprehended. The response ( attached ) did not acknowledge the fact that a mistake has been made in regards to the transaction. Wells-Fargo stated that, " We reviewed the interaction had with our XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2022, when you filed the claim, and we can confirm that you verified multiple times that the transaction was valid and authorized, but you didnt receive the merchandise purchased. '' Me saying that it was an authorized transaction was the mistake. Are you telling me that mistakes are not allowed? Like I said before, it was a mistake. This transaction was mistaken with a different transaction. 

Only I can decide whether the transaction was authorized or not. There was no compelling evidence because the transaction was simply mistaken with a different transaction.
Consumer complaint received 2023-01-18
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (OR)

While negotiating loans, if the loan officer from U.S. BANK says- I understand people from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX try to bargain pricing on the street bla bla bla ( didn't want to hear any more ). No matter whether its racism or not, I felt super offended after hearing this from the loan officer from US Bank
Consumer complaint received 2016-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

I am a XXXX year old female who bought my home in New Jersey XXXX years ago. Up until approximately XXXX months ago I was paying my taxes to the city. I did not want an escrow account. My mortgage and my property taxes were never late until my mortgage was bought out by another company. I went to the tax office to pay my quarterly taxes and they said that they had already paid them., to my surprise ... They told me the new mortgage company paid the quarter in full. I called them and they said that I must have an escrow account. They did not give me a choice. This is their rules, like it or not. Prior to this they never contacted me about such a change. Now my mortgage went from {$580.00} to {$1500.00}. My taxes for 2015 are {$9400.00} a year. 
My payment now went up {$940.00} instantly. I tried to explain my situation to them, that I get social security and a pension check monthly totaling {$1700.00} monthly. I also have XXXX part time jobs that pay $ XXXX.per month and the other {$1000.00} per month. When its all said and done I have {$1500.00} per month to pay all my house bills, food, car expense, insurances. You know that its not enough. At this point, I 'm looking for another job. 
After doing some research, I found out that if your home has 20 % or more equity into the home you own, it is against the law in New Jersey to force an escrow account on somebody. Also XXXX years ago, at the time of my closing, they asked me if I wanted an escrow account or wanted to pay my taxes on my own. I opted to pay directly to the tax office. In the state of New Jersey it is against the law to change it on me without my permission. I feel that I have been bullied into this. My credit score before this happened was over XXXX points. I 'm now afraid to look to see what it is now. Because I have other medical and dental bills I am paying off. I am very short on money. In the last 5 years I had to take a loan out for {$15000.00} for dental bills. I have since put my home up for sale because of this. What do you think I can do. These people said that if I do n't pay this bill, I will go into foreclosure. What can I do?
Consumer complaint received 2023-01-18
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: WELLS FARGO & COMPANY (IN)

I filed bankruptcy about 12 years ago on my credit cards not against my mortgage with Wells Fargo mortgage, they lied to the lawyer that I was behind and did not put my payments back on my credit report, I pay my mortgage on time, it is taken out of my account via from Wells Fargo to my bank account, that was the only credit I had, now it shows I have No credit. Thank you. Wells Fargo company is something. They lied and said that it was the lawyer, however, the lawyer and I contacted them and told them they lied. However, it did not change.
Consumer complaint received 2023-01-18
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. (AR)

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have made some research prior to submitting this CFPB Complaint and I have read that under the Federal Law, Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to identity theft. I am submitting this CFPB Complaint to request of you to please remove the fraudulent accounts and information from my Credit File as soon as possible.
Consumer complaint received 2023-01-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Account Systems of Omaha, LLC (NE)

Somebody supposedly used my name to cosign on a buy here pay here car, they defaulted and so sports and imports auto sales put it on my credit report all of a sudden a couple years ago. I have no knowledge of this account and am XXXX and i know i didnt willingly cosign for anything for anybody. This is a person i hardly knows debt, i simply referred them to the dealer as i know the owner XXXX from doing business with him over the years. A customer referral DOES NOT MEAN I COSIGNED OR ASSUMED FINANCIAL RESPONSIBILITY FOR ANYTHING OR ANY VEHICLE. I never had possession of or drove said XXXX model XXXX XXXX XXXX seat pickup truck with my XXXX kids! I called and talked to XXXX and he agreed the balance was not mine and he told me to call the credit collector and tell them the situation and explain that XXXX agreed to close the case BUT the reporting/collection agency REFUSED TO! and since XXXX sold them the account he cant do anything about it. I have requested and never recieved proof that this debt is valid and actually mine. They cant produce any proof. And XXXX repossessed the XXXX XXXX  so he got his vehicle back, the XXXX  that was traded in towards the truck BUT he STILL filed a collection and tacked on a reposession fee he said. It was never my vehicle! i never drove it, never test drove anything and i definitely didnt buy anything. I already had various vehicles and furthermore i was newly married in XXXX which is around the time this vehicle was supposedly purchased and that was in XX/XX/XXXX! Its past the time limit and im sure thats why they cant provide validation of the debt because it isnt mine! And its past its XXXXyear limit. So he falsified records in XXXX saying the vehicle was purchased then. NOT BY ME! I bank financed my vehicle in XX/XX/XXXX and am still paying for it currently so why would i go buy a junk vehicle? makes no sense to me or my father and my kids. This is seriously negatively impacting not only my credit score but the collection on my record has literally been the cause of me being denied another car loan to trade up my vehicle, i cant obtain rental housing because of that derogatory blemish on my credit and it has caused me to be denied XXXX  times for a home loan to purchase a home and ive applied every year for the past XXXX  years! Its not only ruining my credit, its ruining my life! I cant even obtain an apartment or anything decent and have been forced into public housing going on my XXXX year. This is truly NOT my DEBT! I really wish somebody would listen to me! I dont owe {$950.00} for a junk truck and a repo fee! Ive never missed a car payment or any payments for that matter ( check my credit ) and only learned of this XXXX when i was denied for a homeloan and have been disputing and attempting to get this resolved & removed ever since.
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (OH)

I don't recognize these inquiries XXXX credit 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