davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

I have requested Loan Modification on my first mortgage, from Chase Bank, ( loan #  XXXX ) on XX/XX/XXXX. I have been a chase customer for almost 15 years, and have paid on time, and just requesting a longer term and/or a lower interest rate to make it easier to make payments due to corona impact. I have submitted requested documents 6 different times between XX/XX/XXXX and XX/XX/XXXX ; each time I get a call back from the " relationship XXXX '' with questions from the underwriter. I explain the answers, and she then speaks with " underwriter ''. Based on her questions, and underwriters response, neither understand some basic accounting practices ; each time I answer their question, or submit a document, they ask a completely different question about the same thing, seemingly not understanding how my real estate is owned, what a schedule " E '' is ; what a profit and loss statement is, nor understanding that leases can be renewed on line through out payment portal/website.They have the tools necessary to see proof of all my income and expenses ; they have a report of all rents paid, they have the bank account showing the deposits, and the tax return reflecting the income. They have original leases, and a printout from the tenant portal/website showing the lease dates, which are acknowledged by the tenant if/when they renew. in the 21st century, rents and leases are done online, and if they connect the dots they see it all agrees, and the income is deposited and reported as stated. 
I have the feeling they are making this as difficult as possible to avoid make any adjustments, and trying to assist long term customers.I would like a review of all the documents ( some of which they claim they don't have, but their site has acknowledged ), I submitted, by someone who has some better understanding of IRS requirements, and basic accounting. Their approach is shameful, disrespectful, and makes a mockery of a simple process into a very difficult one because they seem unqualified to be in the positions they are in.Chase has a moral responsibility to be more accommodating and responsible to their customers, long term or not.
Consumer complaint received 2022-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. The following information therefore needs to be re-investigated. 
LVNV Funding Acct # XXXX I have attached my credit report from both XXXX and XXXX and each one have very contrasting payment history. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting.
Consumer complaint received 2022-04-06
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. (GA)

the Credit Bureaus never did a proper investigation according to the FCRA. 

The term " Investigation Consumer Report '' means a consumer report or thereof in which information on a consumer 's character, general reputation, personal characteristics or mode of living is obtained with personal interviews with neighbors, friends or associates of the consumer reported on or with others whom he is acquainted or with whom who may have knowledge concerning any such information. 

They did not take these steps to validate Even more violated my rights According to the fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The credit bureaus reported information as accurate, but how so when the date open is inaccurate, date last active inaccurate, payments are inaccurate, payment history inaccurate and date last reported is inaccurate. I have written documents stating a account was removed but the bureaus says its accurate. This is grounds for removal. 

Thy also violated the law because according to 15 U.S.C 1681 section 602 A. state 's I have a right to privacy 15 U.S.C. 1681 section 604 A. section 2 also states a consumer reporting agency can not furnish my account without written instructions.

i did not give anybody written instructions.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (GA)

XXXX  IS REPORTING 5 INQUIRES THAT DON'T BELONG TO ME XXXX XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX EQUIFAX IS REPORTING A CREDIT CARD THAT DOESN'T BELONG TO ME XXXX   XXXX # XXXX LIMIT IS {$500.00} BUT REFUSES TO REPORT 4 CREDIT CARDS THAT DO BELONG TO ME XXXX XXXX XXXX # XXXX LIMIT {$4000.00} XXXX XXXX XXXX XXXX # XXXX LIMIT {$3000.00} XXXX XXXX  # XXXX LIMIT {$3000.00} XXXX XXXX  # XXXX LIMIT {$5000.00} I will attach a compared report between the bureaus and you will clearly see the discrepancies reported!
Consumer complaint received 2023-03-15
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY (MN)

We deposited a cashiers from selling our vehicle into her account. They held half of it and let us take the other half out. They told us to return in a few days to pull the rest out. When we returned they decided I needed a valid ID as well to pull it out. This is what they told us anyway. Once we return with my updated ID. They decided they didn't know who told us that, and that we were out of luck. They were of no help and basically told us we have to wait until the account is closed to pull it out. We feel cheated and lied to. Wells Fargo XXXX XXXX XXXX, MN is a bad bank. Their XXXX  grade is an F. Majority of their XXXX reviews 1 Star. I am not surprised.
Consumer complaint received 2022-07-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/2022 a yearly subscription payment caused my Chase Checking account to drop below {$1500.00} which is the minimum needed to not incur a monthly service fee. 

I do not use this account regularly, and only noticed today, after 6 months of XXXX XXXX monthly service fees have been taken. 

No attempt to contact me to make me aware of this fee was made at any time, as proven by the lack of messages in my account. 

Fees at this level, and with zero attempt to contact the customer is blatant exploitation.
Consumer complaint received 2020-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Specialized Loan Servicing Holdings LLC (CA)

I have an issue with this Mortgage debt collecting company name SPECIALIZED LOAN SERVI Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX During the pandemic I was applied the Loan forbearance with the company and they was put my file on the programs and promised not report as late pay after 2 month later I find out this is as late pay on my credit report as Current, was past due 30 days Status date XX/XX/2020 the company reported XXXX as late payment which is the date I applied for loan forbearance I already paid all the payment now and never being late, I tried to contact them many times they don't answer the phone call and my credit report get red mark now
Consumer complaint received 2022-07-28
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)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXX  XXXX XXXX Date Opened : XX/XX/2013 Balance : {$25000.00} and XXXX  XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00} If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Consumer complaint received 2020-05-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC (NE)

I recently requested a second mortage on my home. In preparing the documents, it was discoverd that when I refinanced my mortage with XXXX XXXX  XXXX from LOANCARE two years ago, LOANCARE has not filed the Deed of Reconveyance. My CU has advised they are in violation of compliance ; we have documentation showing the request made seven times in the past three weeks, as well as twice from the original refinaced done 2yrs ago.

LOANCARE had not responded to emails or phone requests to get this Deed of Reconveyance recorded. I am concerned as this will be a problem if I should try to sell or refinance my house. 
We tried several times to take care of. My account number with them was XXXX Your loan with them got paid off by wired funds from XXXX on XX/XX/2018. 

thank you. XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-30
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions 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 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 2022-07-30
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. (GA)

In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX XXXX  XXXX XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-08-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BERKSHIRE HILLS BANCORP, INC (NY)

I had an auto loan that was paid off in XX/XX/2020 in full, but the auto loan company has not stopped taking monthly payments that were on auto-pay when I first signed up. I have reached out twice to them - once in XXXX and XXXX. They had stated in XXXX it would be reimbursed, but I have yet to see any of what they have taken.
Consumer complaint received 2023-03-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I have found several negative items that I do not recognize or remember authorizing. Specifically, I would like to dispute the following items : XXXX XXXX XXXX XXXX  inquiry on XX/XX/XXXX XXXX XXXXXXXX inquiry on XX/XX/XXXX XXXX XXXXXXXX inquiry on XX/XX/XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry on XX/XX/XXXX Under the FCRA, credit reporting agencies are required to investigate disputes and remove any inaccurate or unverified information from my credit report. I demand that you investigate these inquiries and verify if they were authorized. If you are unable to verify that I authorized these inquiries, I request that you promptly remove them from my credit report. 

In addition, I noticed an account on my credit report that I can not recognize : CHILD SUPPORT ENFORCEM, account number XXXX. Under the FCRA, I have the right to request that you investigate this account and verify if it belongs to me. If it does not, I request that you delete it from my credit report. 

I would appreciate your prompt attention to this matter in accordance with the FCRA. Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-09-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (MA)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 

Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2022-07-28
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: WATERSTONE MORTGAGE CORPORATION (NV)

On XX/XX/2022 I received a notification via XXXX that my credit file had been viewed by Waterstone Mortgage. Upon digging deeper, I found that a mortgage loan officer by the name of XXXX XXXX, located in XXXX New Mexico, viewed my credit report without my consent. This resulted in a new inquiry being placed in my file, which I did not agree to. I was unaware that my social security number was even going to be used to view my credit report. In addition to viewing my report without my consent, XXXX XXXX shared my private credit information, debt amounts, loan information etc. with a family member. There was absolutely no regard for my consumer or credit security during this action which all took place over a phone call. I have never intended to obtain a mortgage loan in the state of New Mexico, as I currently reside and have built a life elsewhere. The use of my social security number, and the sharing of my credit file information was completely done without my knowledge or agreement.
Consumer complaint received 2022-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CO)

I previously had student loans that were being serviced by XXXX XXXX. On XX/XX/2021 I received a notice from XXXX that my loans were being transferred to XXXX. I never received any statements or correspondence regarding my loans from XXXX. Yesterday, I was notified by Aidvantage that my payments were about to resume and that I had an option to opt into auto-pay or not. I never received notification that my loans had been transferred to Aidvantage or any other correspondence from Aidvantage or XXXX. I was unable to access my online account for either serviced and ended up calling Aidvantage customer support. I let the CS rep know that no statements or documentation regarding them servicing my loan was sent to me and that I needed additional detail on my loans before opting in to any form of payment. I explicitly told the rep they do not have my consent to resume auto-payments and to not make any changes to my account. 

The next morning around XXXX, I received notification from Aidvantage that I had opted in for autopay. This occurred without my consent. None of my bank details or loan details beyond my balances are available on the Aidvantage website. Their website also inaccurately states that my payments will resume in 25 days although payments have once again been passed until the end of summer. 

Their business practices are dishonest and predatory. Aidvantage has made changes to my account and payment details without my consent. No notification of these loans being transferred from XXXX to Aidvantage was provided to the borrower. If these companies are not doing their due diligence to notify borrowers, they should not be trusted to service federal student loans.
Consumer complaint received 2023-12-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (VA)

I purchased a used XXXX jeep liberty at li auto buyers in XXXX XXXX ny and financed with credit acceptance in XXXX XXXX i then filed a small claims civil suit XXXX months later at the end of XXXX in second district court in XXXX ny XXXX i received my entire down payment on the vehicle back because a judgment was placed against the dealership. i got that back in XXXX and returned the vehicle as a voluntary repo due to the car being unhealthy and safe to drive. i now and trying to get the loan taken off my credit line so i disputed it with the credit lines. credit line ruled it accurate when i sent my documentation from court stating i received all my money back and no longer have possession or own the vehicle. credit acceptance is telling me they will settle for {$1400.00} to take it off my credit. i have another unsafe vehicle now after having to settle when i got rid of the jeep financed with credit acceptance, and i can not trade what i have in because i have the other credit acceptance loan on my credit i have a child and a single parent i am trying to fix my credit and credit acceptance will not take it off even though i sent them court documents showing i got my money back from the dealership that did my paperwork with them .the dealership or bank also took money out of my down payment because i put down {$5000.00} and my credit acceptance paperwork says i only put down {$3900.00}
Consumer complaint received 2022-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

15 USC 1681e ( b ) Accuracy of the report ......

IRS defines charge off or a 1099c a gross or ordinary income. Income does not get reported on the consumer report. So why is a charge off being furnish as a debt on my consumer reports? When IRS says its an income, this now becomes an inaccurate account. Therefore should be deleted from my consumer reports. 
XXXX XXXX XXXX XXXX acct # XXXX a charge off. 
XXXX XXXX acct # XXXX. a charge off XXXX XXXX XXXX acct # XXXX. a charge off XXXX XXXX acct # XXXX. a charge off XXXX XXXX acct # XXXX. a charge off All account listed above are charge off/written off, should be deleted according to 15 USC 1681e ( b ) Maximun accuracy 15 USC 1681e ( c ) Disclosure of consumer reports by users allowed.

A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if ADVERSE ACTION against the consumer has been taken by the user based in whole or in the credit report.
Consumer complaint received 2022-07-28
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. (GA)

In accordance with fair credit reporting act XXXX  Account # : XXXX, Account name : XXXX XXXX XXXX has violated my rights.

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

15 U. S. C. 1681 section A. Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-10-07
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. (IN)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.