davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX issued a check to XXXX and XXXX XXXX XXXX XXXX from the escrow funds. 

On XX/XX/22 XXXX deposit a check in her personal account in Chase under XXXX XXXX XXXX XXXX account # XXXX. 

Few days later : Check was on hold because it needed more verification. 

On XX/XX/22, XXXX received a letter that her personal Chase account was going to be closed because the check was not verified and sent to the Lost and Protection Department. 

XXXX called Chase asking why the account was being closed and Chase said that XXXX needed to come in person to one of Chase branches to verify his identity. 

After my husband and I visited the branch several times, providing Chase with all the information they were requesting. 
Chase said that they needed a copy of the check cleared from XXXX. 

When we called XXXX from the Chase branch with their representative, XXXX said that they were no longer responsible since the check was clear and paid on their end. 

Chase wanted me to contact XXXX and speak to the person that endorsed the check. 
XXXX said they dont have a department or who to transfer us with that question. 

Six months have pass and we are still trying to get our money released from chase and Chase still doesnt have an answer for us or resolution. and Chase has not released my funds. 

I need someone to help me since my mortgage has gone up due to the escrow shortage and Chase has not come up with a resolution.
Consumer complaint received 2022-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the TransUnion and XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them.Here is the account needs to correct. 
XXXX XXXX XXXX XXXX Balance Owed : {$680.00}
Consumer complaint received 2022-07-01
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, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-26
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

After reviewing my most recent credit report I see an account listed for XXXX XXXX, however I see that the information listed for that account is incorrect and such incorrect information will further increase the negative impact on my credit scoring which is unfair to me as a consumer. Transunion has this account listed incorrectly. Why has Transunion not conducted the correct due diligence in reporting this account, their actions either negligent or willful misconduct can have caused an unnecessary further damage to my credit report and overall credit scoring.
Consumer complaint received 2022-07-23
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. (CA)

This is bothering! I have been sending letters of appeals and requests to the Credit Bureaus to remove these fraudulent items from my Credit Report, but despite all my efforts to establish communication with the Credit Bureaus, the Credit Bureaus have failed to respond to my letters. I have been also submitting complaints through the CFPB to have the Credit Bureaus attention for them to correct my Credit File. The last letter I sent was XX/XX/2022 with complete attachments of my personal information to prove to the Credit Bureaus that it is myself submitting these letters and complaint. Again, I was a victim of identity theft and the items I am disputing do not relate to any transaction that I have made or authorized. I have read that the Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. I am now submitting this complaint to urge the Credit Bureaus to comply to their obligation and also to protect my rights which is clearly violated by the Credit Bureaus for their willful non-compliance of the FCRA statute. I need the following items removed now : XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-12-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (TX)

I currently got behind on my mortgage payments due to COVID-19. Hours were cut then the primary lost his job. I sent s modification package with all docs on XX/XX/XXXX via overnight but the post office lost the package. I had provide the tracking number and kept calling back so on XXXX I spoke with a rep who when over the COVID-19 careact and submitted for that she stated on that call she would tell the loss mit dept to disregard docs because careact help does not need docs. After that call 2 other reps called me about missing docs but then stated that seen I was pending for careact and could take up to 30 days stated that I didn't need to send docs. The last call being on XX/XX/XXXX. Then on XX/XX/XXXX when I called I spoke with an XXXX XXXX ID # XXXX who stated that I need docs XXXX didn't understand what I was trying to explain what XXXX stated to me was that " I could hung up and call back and speak with someone if I didn't like what she was saying ''. I requested for a supervisor the supervisor she connected me with was her supervisor whom name was XXXX after explaining to XXXX. XXXX ask me so " you were trying to use your mod docs from XXXX we can't use Mod docs from that far back '' I never said that and don't even know were he got that information from. Ask XXXX repeatedly to pull the call from the last reps going back to the rep who offered/submitted me for the careact XXXX began XXXX say things that I don't know what he was saying almost like he was disorientated. I have made multiple calls to try to resolve this matter with no assistance.
Consumer complaint received 2021-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XXXX/XXXX/2021, I wrote requesting this investigation into items that I believe to be incorrect outdated or obsolete. To date, I have not received a reply or any acknowledgment that the investigation has begun.Under federal law creditors have thirty ( 30 ) days to complete investigations. Please remove inaccurate information indefinitely. Thank you
Consumer complaint received 2021-03-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2021 I informed all XXXX bureaus that XXXX  Credit that the 4 year reporting period in the state of TEXAS has expired on this account and they still continue to report in an being in violation with the FCRA. The updated their reporting date but did not change DELETE this account. Attached is the initial dispute requesting for this violation to be removed.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX 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 2021-02-20
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I am a victim of an online scam in which a fraudulent check was processed through my account because I believed them to be the company they claimed to represent. As soon as I found out that this wasn't the case I immediately called my banking institution on XX/XX/XXXX to get the check totaling in an amount of {$3000.00} dollars to be canceled in which they said that they couldn't stop the processing and I would be charged a {$10.00} dollar fee even though they knew the check was fraudulent. 

On XX/XX/XXXX I went to the nearby branch with proof that this was a scam I had been victim of. Branch manager XXXX XXXX was the one who had helped me but only stated the same things I was told on the phone. That I would have to wait and only when I returned with my mother did the manager state he would attempt to expedite the return of this check so that I could close down my Huntington account. He had also claimed to call me once the check was returned which did not happen, I had to check myself after receiving an email that I had a negative balance in my account. 

So again on XX/XX/XXXX I went up the bank branch and spoke with XXXX. The feeling that they didn't care about my livelihood or continued business with them was evident by their lack of care nor urgency with this matter even after allowing them to make copies of my in hand evidence. Even being as careless as to ask me to give him my SS number out loud with another customer present, which I did not do. My account is currently sitting at a - {$3000.00} balance that shouldn't be there at all. I do not owe the bank anything since I never spent a dime of the fraudulent {$3000.00} dollars. In fact Huntington took the remaining {$5.00} dollars in my account even though that had nothing to do with the check in question. I am worried that this will most definitely reflect poorly on my credit score and the other debit card that I recently opened with XXXXXX/XX/XXXX.
Consumer complaint received 2021-07-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (LA)

In XX/XX/2021 I received a collection notice for {$410.00} from EOS CCA for a XXXX XXXX account. A settlement was reached for a payment of {$310.00} which was paid on XX/XX/2021. However Im receiving phone calls and letters from XXXX XXXX XXXX XXXX trying to collect the remaining {$100.00} XXXX. Ive explained to them on several occasions that a debt settlement amount was offered by EOS CCA for {$310.00} to close the account and had been paid. However XXXX  XXXX XXXX. continue to harass me stating that I still owe the remaining balance
Consumer complaint received 2019-04-15
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: Kansas Counselors, Inc. (GA)

I have 2 accounts on my credit report that I am trying to get deleted. I have sent letters to the collection agency asking for written validation and verification that this debt is mine. They have not responded. I have also sent letters to XXXX and XXXX asking them to remove these unverified accounts from my report. They have not deleted them. Section 609 and Section 611 of the FCRA states that I have the right to request that all information that can not be verified be promptly deleted. The collection agency and the two Credit reporting agencies are in violation of my civil rights and Federal Law. I am now filing complaints with the CFPB to resolve this matter.
Consumer complaint received 2022-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (CA)

Heartland ECSI has a predatory payment fees structure. It purposely provides users with a misleading outline of payment processing fees. More specifically, it states that you can make a payment without incurring a processing fee by using direct debit through your checking or savings account. However, when you go to make a payment, both debit card and direct payment from bank ( checking or savings ) are available options. When you select either of these options, they both have fees ( 3.95 % for debit card and {$1.00} for direct bank payment, respectively ). This is purposely confusing and misleading. The ECSI FAQ on fee structures is also confusing and has language borderline contradictory to other information on fees ECSI provides. Furthermore, there is no option provided when making a payment to select a fee-free method ( I can not locate this " direct debit through bank '' option ). Upon investigating more, I've found that there is no fee-free method of conducting a one-time payment. The only way to pay fee-free is to set up a reoccurring direct debit payment, which is effectively no different than a one-time payment via the same direct debit payment method ( however, the one-time version charges the {$1.00} fee ). There should be no obligation for an individual to have to consent to reoccurring withdrawals from their bank account to get access to fee-free online payments. Forcing an individual to consent to this is both anti-consumer and puts them at risk. 

What I find most disturbing is that, based on their fee structure, there is no way to make fee-free online payments toward your loans until they are actively accruing interest. In an attempt to avoid paying the fees, I tried signing up to make regular direct debit payments from my bank. However, I wasn't able to change the date when the payments are made, and the date was locked to a date after my loans become active and start accruing interest. This should be illegal ( if it isn't already ). There is objectively no difference in the processing cost of these payments for Heartland if they occur before vs. after the loans become active. To allow fee-free direct bank payments only after the loan starts accruing interest is purposely predatory.
Consumer complaint received 2022-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (TX)

Truist is buying loans, requiring homeowners to open Truist accounts to pay their mortgage, and charge unnecessary late fees when a customer forgets to make a payment. This business practice will increase homeowners chances of missed payments and increase late fees assessed by Truist and is an unethical practice to increase their deposits and active accounts. 

I have used the companies Truist Assist chat bot as well as their 'Manage and pay ' tab ( https : //www.truist.com/mortgage/manage-your-mortgage? tru-tab-select=manage-pay*truisttab-XXXX ) and I end up in a never-ending loop of 'Set up recurring payments ' which prompts you to log in and then you are sent to the main Home Screen. Nowhere does it actually allow you to set up any sort of ACH recurring payment or autopay bank withdrawal with an external source through their website. 

Truist makes it unnecessarily difficult to set up autopay which could disproportionately affect lower income and/or tech-illiterate homeowners. The only way I see to allow autopay is through a mail in/fax form.
Consumer complaint received 2021-02-20
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. (MA)

On approximately XXXX I submitted a credit report dispute with Experian against an account with XXXX XXXX that was included within my XXXX Bankruptcy on approximately XXXX. 

The dispute was initiated through Experian web portal and submitted with no issues. I within the ensuing days received emails from Experian stating that it would be wrapping up soon. 

On approximately XXXX I received an email from Experian that the results were completed. The results however were not updated to reflect an account that was included within a XXXX bankruptcy that has subsequently been discharged on approximately XXXX. 

XXXX XXXX continues to harass myself with collection calls from outside agencies, and has disallowed any sort of new services unless the discharged amount is paid in full of {$390.00}. ( A subsequent report has been filed against XXXX XXXX. 

On receiving the report from Experian the company instead of changing the account to be included with a bankruptcy allowed XXXX to update the account and add on further months of delinquency further damaging my credit score that I am trying to repair. As well upon further analysis of the Experian report they have allowed XXXX to list the account twice as well as allowing the second instance of the same account to show negative as well which is also further damaging my score. 

This is my last step before initiating a lawsuit against XXXX and Experian.
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (FL)

Experian has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false bankruptcy to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the XXXX XXXX XXXX XXXX XXXX, has been violated. 

Despite two written requests to Experian, the unverified bankruptcy still remain on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of their first investigation and subsequent reinvestigation, they stated in writing that they verified that these items are being reported correctly? I asked them over and over again who verified this bankruptcy? They have NOT provided me a copy of ANY original documentation as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to promptly DELETE all information which can not be verified. 

I reached out to the US Bankruptcy court they told me in writing they do not give Experian any information regarding bankruptcies. US Bankruptcy Court would be the original creditor. Experian is committing fraud against me. I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). Experian is not exercising their grave responsibility with respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by Experian before furnishing it. This alleged bankruptcy was removed from XXXX, XXXX, and XXXX. Experian is the only one who is committing fraud against me despite my reinvestigation. 

Experian refuses to say what company they are getting this bankruptcy from they just keep saying " verified ''