davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (NY)

In accordance with the Fair Credit Reporting act 15 U.S.C 1681 and Fair Credit Reporting Act 15 U.S.C 1692. Source Receivables Management Account # XXXX have violated my rights. 

15 USC 1681 - States I have the right to privacy 15 USC 1681a 2 ( A ) ( i ) - ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person that is making the report.

15 USC 1681s-2 ( a ) ( 1 ) ( A ) ( B ) ( i ) ( ii ) - ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

15 USC 1691 a ( 3 ) - ( a ) ACTIVITIES CONSTITUTING DISCRIMINATIONIt shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 3 ) because the applicant has in good faith exercised any right under this chapter.

15 USC 1681n - ( a ) IN GENERALAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2020-12-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (WA)

For months this Company has been calling me ( and 3 other family members who do not share an address with me ) about an old debt that I assumed was settled but can not verify. They state that they have repeatedly tried to serve me papers at my home address which they will not verify for me when asked. They emailed me a " contract '' but when I asked to mail me all documents and to verify this debt owed they refuse by saying that's not how the system works and they can not trust me to respond.
Consumer complaint received 2022-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (CA)

My lender ( Chase bank ) does not refund money, which is deducted wrongfully from escrow account. 

I paid my property tax by myself, {$7500.00}, on XX/XX/2011. 
( refer to XXXX ) Then, my lender ( Chase bank ) also deducted {$7500.00} on XX/XX/2011 for the same property tax payment from my escrow account. 
( refer to XXXX XXXX ( ... XXXX ) - chase.com_activity.pdf ) So, I asked the county about the duplicate payment but the county replied that it never received the payment from the lender. 
( refer to XXXX - XXXX the tax was paid twice ( parcel XXXX ) I have contacted the lender multiple times for the incident and requested refund for the missing check/payment because the county did not received it. However, the lender kept opening cases whenever I called and made me wait weeks after weeks. I escalated the issue and requested a talk with a supervisor but he/she did not call back. The money has not been refunded yet after XXXX months.
Consumer complaint received 2022-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Glass Mountain Capital, LLC (TX)

My name is XXXX XXXX, a federally protected consumer, and Im making this complaint against GLASS MOUNTAIN CAPITAL LLC. On XX/XX/XXXX, I received a letter from GLASS MOUNTAIN CAPITAL LLC saying that they are trying to collect a debt that I owe to XXXX XXXX I, XXXX. First, the name on the letter is wrong and not my legal name. Second, I have never signed a contract with XXXX XXXX I, XXXX, so I am confused on how GLASS MOUNTAIN CAPITAL LLC, which is a debt collector, is trying to collect a debt for another debt collector. I haven't even given GLASS MOUNTAIN CAPITAL LLC any permission to use any of my identifying information to contact me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692e ( 12 ). I am demanding a cease and desist of all illegal activity, any communication, and collection activity of this alleged debt until GLASS MOUNTAIN CAPITAL LLC can provide me with sufficient documentary evidence, like a contract agreement with my signature that says I have any legal obligation to pay GLASS MOUNTAIN CAPITAL LLC or XXXX XXXX I, XXXX on this alleged debt. I have attached both a conditional cease and desist and debt validation documents to this complaint.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (FL)

XX/XX/XXXX Chase Credit Services sent correspondence lowering my credit line during " annual '' review. Issue comes into play as follows : 1. Letter indicates call/respond any isssues/concerns 2. Sent response XX/XX/XXXX, 4. XX/XX/XXXX, called Chase to have " nothing we can do '' script re-read to me numerous times 5. XX/XX/XXXX, resent replies to the above 6. XX/XX/XXXX, receceved phone call from Chase rep to really re-state initial script, this time not condescending My concern : I have had this account since XX/XX/XXXX ; currently not late, never late, on-time payment history. Credit card ( Chase ) utilization 36 % credit limit. 
Chase now lowers limit ( XX/XX/XXXX ) which now puts my utilization at 96 % - this is now a credit " hit '' .. Chase will re-consider by pulling a new credit report, with my approval, but this at a cos to me ... another " hit '' to my credit, as this is hard-pull. 

My other credit accounts do have high usage .. but all have long histories with creditors and NONE OF THEM ARE LATE AND HAVE STELLAR PAYMENT HISTORY. 

Understand Chase can determine who and how much to loan to ... but by lowering this credit limit this drastically affects my credit in now another bad way ( lowers my score even more and with suggested hard-pull, lowers it again - and stays on report for 2 years. 

How do consumers who are doing the right thing, pull out of these type issues, when the financial institutions that make claims to help are really not. Again, believer businesses need to underwrite accordingly, but there are portions that hurt this very same consumer ... and to have representative repeat a script is not helping either. 

If institutions can somehow pull a report to determine a lower credit line without affecting credit, why can they not use this to make a reconsider or underwriting call? Very frustrating. Especially since the calls also make me feel as if I am in the wrong or not have not been making payments or holding up my end of credit card responsibility with Chase. 

The available Chase representatives do not seem to able to assist, so my only stop is here. 

Thank you so much for your time to review.
Consumer complaint received 2020-12-11
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: Experian Information Solutions Inc. (FL)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2020-12-11
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. (CO)

I found out account in credit report which does not below to me. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX XXXX Account # XXXX Date Opened XX/XX/2019 I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

I made a purchase with my credit card on XX/XX/XXXX. I was billed on XX/XX/XXXX. The items were not shipped so I canceled the order on XX/XX/XXXX. After complaints to XXXX, FTC the company shipped on XX/XX/XXXX after a complaint to the FBI Internet Crime. My bank is charging me for this unordered merchandise. This is a Visa credit card issued by Chase Bank.
Consumer complaint received 2020-12-11
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KY)

This complaint is a follow up on my complaint submitted XX/XX/XXXX due to lack of communication from Bank of America. I received a voicemail from a lady from phone number XXXX EXT XXXX on XX/XX/XXXX, who has still not returned my phone call after several attempts and multiple voicemails I've left her. This matter is urgent and is preventing the sell of my home. 

To whom it may concern : I bought my home on XX/XX/XXXX. The seller had a payoff with First Franklin Financial Corp which was collected on the XXXX at the closing. Fast forward to today. I am now selling my home and it is under contract and our closing date was XX/XX/XXXX, however has been prevented due to this issue. The current title company has been trying to get a lien release from the previous mortgage company and or a cancelled check from the previous closing title company XXXX XXXX XXXX law firm ( XXXX XXXX ) in XXXX Ky. The law firm refuses to give the cancelled check that is proof the loan was paid off and the mortgage company refuses to send a lien release. Here is the problem : First Franklin Financial Corp. no longer exists which was the previous sellers mortgage company, Bank of America now owns First Franklin. I need to get this resolved in order to close on the sale of my home. First Franklin Financial Corp., a subsidiary of XXXX XXXX XXXX  XXXX XXXX  Loan No. XXXX. ( There is a XXXX at the end, but I do not believe this is a part of the loan number. ) Bank of America phone number is XXXX, with reference number XXXX. Please note we do not have a Bank of America account number. This is added information to the prior complaint that I have filed on XX/XX/XXXX
Consumer complaint received 2022-05-02
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. (NJ)

On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and the items still haven't been corrected. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.
Consumer complaint received 2022-02-21
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: BMW Financial Services NA, LLC (MI)

This account with BMW FIN SVC with account number XXXX, has been paid, and thus, it should be removed from my credit report. There is no longer any balance on it and it has been closed. I have reached out to the XXXX, XXXX and XXXX Bureaus and to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
Consumer complaint received 2020-12-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (AL)

I requested that this company validate the debt by asking for certain documents including the following ... agreement with the original creditor that authorizes you to collect on this alleged debt the original contract bearing my signature stating that I have agreed to assume the debt, the debt agreement stating the amount of the debt and interest charges, the complete payment history on this account along with an accounting record of all additional charges being assessed, proof that the company is licensed to collect in my state, which is Alabama and the license number and Registered Agent for my state, which is Alabama. I did not receive documents that validates this debt. In addition, the company is reporting this account differently with all three credit bureaus, which I disputed, and the company verified. Different information with three different companies can not all be accurate, so it is very clear that the company verified inaccurate information.
Consumer complaint received 2022-07-21
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. (CT)

I'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1300.00} ; XXXX  XXXX  XXXX Balance : {$350.00} ; XXXX  XXXX Balance : {$9400.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX/XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-07-21
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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX Pl # XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX XX/XX/XXXX Dear Experian, Under FCRA the accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX 15 USC 1681 section 602 A states I have a right to privacy. 

15 USC 1681 section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written permission. 

Delete this account immediately unless you want to be held {$1000.00} per violation.

XXXX  XXXX  # XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written permission. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXX XXXX # XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written permission. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXX XXXX # XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written permission. 

Delete this account immediately unless you want to be held {$1000.00} per violation. 

XXXX XXXX XXXX XXXX # XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written permission. 

Delete this account immediately unless you want to be held {$1000.00} per violation.
Consumer complaint received 2022-11-05
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. (CA)

I have an XXXX XXXX XXXXI call every month during the first few days of the month and I ask for my entire balance .When I receive the amount from the customer service representative, I pay that amount. I pay in full each month. On XX/XX/XXXX I called and was given an amount of XXXX, which I paid in full. ( KEEP IN MIND A MINIUM PAYMENT WOULD BE XXXX ). On XX/XX/XXXX, I called XXXX and was immediately asked if there was something going on in my life which caused me to be late in XXXX. I was shocked because I know I paid this account on time and in full.The account is due on the XXXX of every month however I pay between the XXXX and XXXX of the month, ( early ) .I asked the representative to please check the account because I was not late and paid XXXX. She checked and told me the XXXX was paid and on time but there was XXXX that was left as a balance. She discovered that in XXXX my whole balance was XXXX not XXXX. I then ask her how it is considered a late account when I paid XXXX the XXXX would be carried to XXXX. She could not explain why it would be considered late.I then discovered a late fee of XXXX was added to my account for the XXXX. The company did reverse that however on my credit report they hit me with a notation of lowering my credit limit which effected my score. I have had identity theft in the past and i am trying to build my credit.this is wrong and totally the companies fault.They attempted to charge me falsely and lowered my credit limit as if I didn't pay on time, it effected my score. This is fraudulent practice. I CAUGHT IT this time.This company should be investigated for illegal practices to there customers.What can you do?
Consumer complaint received 2019-04-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX, I bank with Bank of America. My father sent me a XXXX transfer of {$100.00} on XX/XX/2019 to cover all the transaction for that date. I received a confirmation text that the account will be credited. I checked my account today ( XX/XX/2019 ) its not credited. I incurred overdraft fees because of this. I called bank of america, the representative said its a bank error that they did not get the funds. He said it will take 3 to 5 business days. But XXXX is instant and my father sent me money before through XXXX. I did not received ant email or text that the funds will be delayed. What I received is a text confirming the XXXX transfer. Usually whenever i received a confirmation text the funds is there.
Consumer complaint received 2020-12-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (MI)

On XX/XX/XXXX, Barlaycard US sent me a letter stating that my credit card ( barclays arrival plus world elite mastercard ending in XXXX ) was closed due to " your history of account usage ''. I received the letter on XX/XX/XXXX20 and responded with a letter on XXXX/XXXX/20. I requested 4 things : 1. For information regarding the closure since their statement was vague and unclear. 
2. For the account to be reinstated as I had kept the account in good standing. 
3. A refund of the annual fee paid earlier in the year in the amount of {$89.00} as the membership fee was for an annual membership and they did not fulfill the annual membership. 
4. A credit in the amount fo {$430.00} as I had XXXX points remaining in my account on the day of closure. These points could be used at a $ 0.01/point ratio to credit travel expenses. On XXXX XXXX, 2020, I made a charge to " XXXX XXXX '' in excess of {$700.00} and this charge would qualify as a travel charge, so the point could be applied to the charge. 

On XX/XX/XXXX2020 Barclaycard US replied with a letter simply stating " ... We are unable to complete your request ... '' with no additional information. 

My first concern is that I would like a credit in the amount of {$520.00} for the annual fee refund and a usage of the remainder of my points.