davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (IL)

I deposited 2x {$1000.00} checks, 1 {$1500.00} check, and 1 {$2000.00} check to chase. They were from my family. I also received {$250.00} from roth staffing via direct deposit.

Chase claimed these were fraud, wouldn't accept their ( my family 's ) phone numbers for verification. 

I called ( yesterday, XX/XX/XXXX ) and now they are saying after the account closed ( same day ) I will only be receiving {$75.00} of my {$5700.00}.
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

I received a debt notification letter from a collections agency first one dated XX/XX/XXXX and received a second notice on XX/XX/XXXX. It appears this was for a rental unit in XXXX, Fl and I reside in XXXX XXXX XXXX FL since XXXX. The period for the rental unit was from XX/XX/XXXX thru XX/XX/XXXX per an itemized statement they sent to me. The total of the debt is {$17000.00}. I picked up a call after numerous calls from this collections agency named FCO ( Fair Collections and Outsourcing, Inc. ) I explained to them that this is a case of Identity Theft and I was the named person on the bill however the bill is not my responsibility as I have never resided in XXXX, FL.
Consumer complaint received 2023-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NC)

On XX/XX/XXXX, I submitted a complaint to CFPB ( XXXX ) regarding my Barclays account XXXX Below is my original complaint : On XX/XX/XXXX, XXXX XXXX from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, ME XXXX ( XXXX ) XXXX ) mailed a cashier 's check ( # XXXX ) for {$11000.00} to Barclays. XXXX XXXX provided me with a document showing the check was reconciled by Barclays on XX/XX/XXXX. However, the money was never credited to my account. On XX/XX/XXXX, I called Barclays and reported the issue. I provided them the check amount and number and they started an investigation. On XX/XX/XXXX, the company credited a " provisional credit payment '' of {$11000.00}. I received a letter stating the investigation did not produce the check in question so they put the {$11000.00} back onto my account on XX/XX/XXXX. This is reflected on my XX/XX/XXXX statement. On or about XX/XX/XXXX, I reached out again to Barclays and they asked that I fax a copy of the check to them. I did so and they money was credited back to my account. The issue is, I was still charged with late fees for the several months the check was pending. Also, my current amount due for a minimum payment {$670.00} with {$540.00} past due. I called them several times to have the payment amount adjusted to reflect the current balance on the card and also to make the appropriate credits towards any interest and late fees incurred due to the extended timeframe they could not locate the check. They continue to tell me that the balance due is " computer generated '' and they refuse to change it. So, my account has been locked and the company continues to call me to harass me by phone, along with continuing to add late fees onto my balance. 

On XX/XX/XXXX, I received a response from XXXX at Barclays ( letter attached ) stating that the reason for the lost check was because I did not have the full account number on the check. Therefore, it was reconciled but was not added to my account. To clarify any confusion, as I stated in my original complaint, I was not the person who mailed the check to Barclays. Since this payment was part of a debt consolidation loan, XXXX XXXX XXXX mailed the check directly to Barclays. It is their policy. When I received this response from Barclays, I immediately called XXXX XXXX XXXX to notify them of this response and attempt to fix the issue. I showed them the response from Barclays. The credit union stated that they did not write the account number on the check because they included a copy of the most recent statement that I had sent to them when I was applying for the loan. I also attached a signed letterhead from the loan processor indicating they included the statement in the envelope with the check.
Consumer complaint received 2023-06-05
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Foris DAX, Inc. (TN)

I signed up for an account at crypto.com on XX/XX/23. I transferred $ XXXX into bitcoin on XX/XX/23 and tried to pay a wallet, but was refused to make the payment. After several attempts to communicate with customer service, they would never tell me why I was unable to make a payment. On XX/XX/23, I transferred the remaining back out {$23000.00} and sent the money back to my bank account. Since XX/XX/23, I have been trying to close my account. They keep telling me via email, they are " working on my request ''. After telling them multiple times to close my account, this was their response on XX/XX/23 : " Please be informed that such matters do require time in order for a resolution to be provided. The matter is with the relevant team and once we have an update, I will be back to inform you. '' I filed a complaint with the XXXX  on XX/XX/23 with no response from the company. On XX/XX/23 another email received from crypto.com stating, " The relevant team will soon be in touch to assist you. '' There is absolutely nothing to do except close the account. I believe they are wasting time to try and charge me a fee for inactivity. I want to be rid of this company and just want my account closed. They have multiple complaints with the XXXX  and have an " F '' rating. Had I known this, I never would has signed up for an account. Please help me close this account.
Consumer complaint received 2021-05-24
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (GA)

My mortgage is with Rushmore Loan Management Services. It is a FHA loan. I was in the care act program with several months of Forbearance. I was told by Rushmore that the forbearance payments will be " floating '' or " silent '' which they explained will be added to the end of the loan which gets repaid when the home is sold or refinanced. 

I got out of forbearance and started making payments. My lender mentioned to me that with the increase of value of my home, that I made over 3 payments after forbearance ended, and with low interest rates, I can refinance to a conventional loan resulting in much lower and affordable payments. I submitted the application, got approved, and was going to close on the loan BUT information for the closing was withheld and did not get sent to the lender for over 60 days. Now I find out that there is a 2nd lien for the forbearance which was not part of the deal. There was never documentation or approvals for this 2nd lien. The largest issue right now is that my lender is being told by XXXX, HUD, that I can only refinance to another FHA loan and must have mortgage insurance. This was never part of the deal, never a requirement, and I believe is violating federal law. The forbearance amount is around {$15000.00} and there is no reason to require this. Its not in the care act and is very unusual. 

During a pandemic XXXX HUD, and FHA should not be forcing people into higher payments when lenders are willing to give a fair loan which would greatly help families and home owners. I have a lender who approved me for a conventional loan which would reduce my monthly payment $ XXXX. XXXX and HUD need to only care about being repaid. They have no business preventing me to refinance to a better loan program!
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Stellantis Financial Services US Corp. (TX)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I have informed XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX Account Number XXXX This account is reporting inaccurately. This account is showing the wrong date of last payment across all three bureaus. Please see the attached report with the inaccuracies circled. According to 15 USC 1681i ( 5 ), accounts that are reporting incorrectly are to be removed from a credit report. This account needs to be REMOVED as it is inaccurately reporting on my credit report. 


However, they have not responded to the attempts I have given to have this reviewed for inaccuracies. This should not be possible as there are many inaccuracies such as incorrect open dates, incorrect account statuses, and even fraudulent accounts listed on my report. According to 15 USC 1681i ( 5 ), as stated above, the credit bureaus are supposed to verify this information is correct and remove inaccuracies. They have failed to do so. So as stated in 15 USC 1681s-2 ( A ) (! ) 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. I am requesting a review and to have the accounts listed above DELETED from my credit reports.
Consumer complaint received 2021-11-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (FL)

I have been a member of navy federal for a while and have repeatedly been denied for an auto loan preapproval. I have appealed the decision and never get any explination. Im aware of other people who have been pre-approved with much worse credit and lower income so I feel as though I am being discriminated against chich is a violation of the Equal Credit Opportunity Act ( ECOA ) 12 CFR Part 1002. Navy federal claims they could not verify my employment yet they never attempted to
Consumer complaint received 2022-10-07
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)

I have contacted experian multiple times about their dispute process. The account # XXXX should not be on my credit report. This item needs to be deleted immediately. It was scheduled to be deleted XX/XX/2022 which is this month and somehow it is now saying it will not be removed until XX/XX/2022. 

This is against the fair reporting act. Someone is not doing their job and they added negative items on the report that should not be there. 

This is against the Fair Credit Reporting Act and against 18 usc 10-28 a. I did not authorize them to place false information on my credit report.
Consumer complaint received 2022-09-11
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. (NY)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-01-09
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. (PR)

XXXX XXXX XXXX XXXX XXXX Account has violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (GA)

This credit card was with XXXX XXXXXXXX bank they sold my personal information to a third party without my consent according to USC code 5 usc 1681 section 602 right to privacy 15 usc 1681 section 604 ( a ) can not furnish a account without my consent or instruction my rights are being violated and my selling my personal to a third party in which that is identity theft
Consumer complaint received 2023-01-09
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. (TX)

I have contacted the credit and agencies and tried to get them to remove unvalidated collection accounts and delete unknown names and addreses from my credit report, they have refused over and over and not even attemp to address my concerns.
Consumer complaint received 2022-04-08
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)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$1700.00}.
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

In XXXX of XXXX, I purchased a XXXX XXXX XXXX from XXXX. At the time I had a credit rating of about XXXX according to all the information I could access from he reporting agencies. Part of the incentive to buy from XXXX was a 4 % interest rate with an excellent credit rating. As we were closing the deal I saw the interest rate was either 9 or 12 % and I asked why my rate was so high. Even though my excellent credit score was posted in all 3 websites, XXXX old me that they said that my credit rating was actually XXXX, so I get the higher interest rate. 

I asked them why do the reports I get say i have a XXXX credit rating, and yours says mine is XXXX? Are there 2 different credit reports available to consumers and creditors? She said that is what they sent us, so that is what we are charging you an its not changeable. I called all 3 credit reporter 's and they said no, you only have one credit score with us. They said it's possible that another one of the 3 agencies has a different score. 

I checked and my score was even better at another one and about the same as the other. I was in the middle of a very chaotic relocating at the time, I ended up wrecking my truck and breaking my back during the move. All my payments are autopay so I I forgot about it. 

XXXX refuse to recheck and lower my interest rate.I did not know that this agency existed and thought I was XXXXThey have my signature and the deal is done and there is nothing I can do. 

They scammed me and I have been paying over XXXX he interest I should have been paying. I worked had for that credit score and along with another incident, I have completely lost faith in the system. 

Is there anything I can do? The note holder makes it difficult to see what my interest rate is and that has me worried as well. 

Can you help me or steer me in the right direction? What they did to me is not right.
Consumer complaint received 2021-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

There's no real bullet item type description. I just want to know why in XXXX 's name the credit scoring agencies can lower your score, sometimes drastically, when a company decides to close an account in good standing without input from the consumer requesting it. For example, you don't use a credit card for years. The company closes it and your score drops. Or, what I've now experienced 2 times in a year, your Mortgage account is transferred to another company and your score drops, SIGNIFICANTLY. We're talking, you as a consumer are doing things right, paying stuff off or just not using a CC, they cancel it, and your score drops. 

Why isn't there more oversight of credit reporting?
Consumer complaint received 2023-03-10
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: CL Holdings LLC (VA)

15USC 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 purpose.
Consumer complaint received 2023-01-09
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. (PA)

XXXX XXXX delaware is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 3 different dates of last payment between the credit bureaus XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX this account is re aged.they are reporting 3 different credit amounts {$2700.00}, {$0.00} and {$2000.00}. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Consumer complaint received 2022-04-08
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)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance {$0.00}, XXXX XXXX XXXX Balance {$0.00}, XXXX  XXXX Balance {$0.00}, XXXX XXXX Balance {$15000.00}, XXXX XXXX XXXX XXXX XXXX Balance {$1800.00}, XXXX XXXX Balance {$2100.00}, XXXX XXXX Balance {$7000.00}, XXXX XXXX XXXX XXXXXXXX Balance {$2600.00}.
Consumer complaint received 2022-12-08
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Kingston Data & Credit International Inc. (HI)

I received a call at XXXX regarding a debt they are claiming I have regarding an XXXX XXXX  account that I have no knowledge of. During the call the agent became very agitated when I asked for company information to the extent I had to call back. Its Kingston XXXX.
Consumer complaint received 2021-05-24
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

On XX/XX/2021, i received a text say that there was fradulent activity on my Bank of America account. I then got a call from the Bank of America fraud department number advising that someone fraudulently sent {$3000.00} to an account tied to a XXXX XXXX account and in order to get my money back, I'll have to request the funds back through XXXX tab through my bank of America. I " requested the funds back '' through the Bank of America app XXXX service. However, it was a scam and the funds were sent to a XXXX account. I called the number bank and got the Bank of America Fraud department. They advised that they did not call me. I told the rep what happened and she asked me questions. I asked her how can they call me from the Bank of America Fraud number. She advised that scammers have apps that can change the number. she was aware that it was a scam and told me. She said it would take 10 to 45 days for my claim to be processed. 

I then called XXXX to see if I had any open accounts in my name. They assured me that I did not. 

I received a letter on XX/XX/2021, dated XX/XX/XXXX, XXXX, that Bank of America could not approve my claim. 

I then called and spoke with the supervisor XXXX. I asked her what information was used to make this decision. She could not tell me. I asked her to do a reinvestigation or I wanted to appeal the decision. She advised that I could not appeal the Decision or do a reinvestigation. She advised that this was a scam and because the scammer did not send the funds back there was nothing Bank of America would do further to try to recover my funds that was clearly fraudulently sent to account that wasn't mine. 

It is my understanding that Bank of America has fraud protection. However, I was not protected. 

I also requested all of the documents that were used to made their decision and have not received them yet.