davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

Hello and good morning. My name is XXXX XXXX and I currently have a mortgage through J.P Morgan Chase ending in XXXX. They are not the original lender as XXXX XXXX was the original in which it closed XX/XX/XXXX. My complaint and dispute is the run around and unwillingness to perform a XXXX on my property to assess the XXXX ratio for actual value of the property. My current property is located at XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX. I was given quite an insulting appraisal and disputed it. I even paid for a second appraisal from a second lender. Long story short I ended up having to take the low evaluation to not lose the property since the initial lender has all of the paperwork prepared for closing. Had I not, the seller was going to re-list the property. The property was appraised for {$480000.00} and I currently owe {$420000.00}. The property itself is worth $ XXXX $ XXXX in the $ XXXX range. Thus why I want a XXXX performed in which I expected to be a simple request not an argumentative debate. My complaint is that Chase refuses to perform a XXXX  to assess the actual property value even at my own expense to remove PMI. I am attaching my PMI disclosure from Better Mortgage that I signed at closing. It does state the general dates and numbers for request and/or auto termination of PMI. What it does NOT state is any requirement/s for me to HAVE to perform SIGNIFICANT IMPROVEMENTS in order to request and/or pay for a BPO to be performed! This is not right and outright illegal. After telling me on XX/XX/XXXX in an email that I am attaching that I could pay for an evaluation at my expense now everyone that I speak to refuses. They record their calls as most businesses do and have an associate telling me that I could order a BPO over the phone and even billed my checking account for it on XX/XX/XXXX. I have attached my statement showing the charge. There is nothing on my PMI disclosure that mentions the requirement for significant improvements to be performed and/or anything to do with a time frame for borrower requested removal of PMI on the note in under 2 years to request/demand an evaluation of the property/BPO. This to me is a combination of this financial institution just wanting to continue to get rich off of collecting money from as many customers as possible but most IMPORTANTLY the attempt to combine 2 completely different sets of guideline requirements that are not of the same lender and/or to be used concurrently. I have read over the XXXX of XXXX, lender disclosure from closing lender, and XXXX XXXX. I know that this is not right and I only agreed to what I SIGNED for at closing. The requirements do not include what has now been being applied to me by this lender.
Consumer complaint received 2022-08-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

Back in XXXX I had a mortgage with XXXX XXXX of {$96.00} dollards, XXXX XXXX  was been investigated for fraud. In XXXX this bank recorded with the county clerk of records of Florida a {$160.00} XXXX mortgage this mortgage was a fraud, was never advanced to me at this time XXXX XXXX  was found guilty of predatory lending it was orded to close all fraudulent accounts and XXXX millions dollars penalties, on XX/XX/XXXX this bank was last day in business.this bank send me the ORIGINAL PROMISORI NOTE ( blue ink ) and A MORTGAGE SATISFACTION ( blue ink ) plus a tax number for me to pay my own tax. They sent this documents to me following the federal investigation orders, after they sent theses documents I received a letter asking me to sent my monthly payments to U.S BANK. this mortgage was never assigned or endorsed to this bank, they enforced this mortgage with not even a single legal document. I have sent all my payments to them since XXXX I have asked them for copys of the assignment from XXXX XXXX  and they sent to me a fraudulent assignment from XXXX DONE ON XXXX they went to Wisconsin XXXX XXXX of XXXX they ILIGALLY RECORDED. in XXXX and XXXX XXXX  WENT OUT OF BUSSINESS IN XXXX.i stopped this payment on XX/XX/XXXX I told them I was going to have them investigate them and that after that my lawyer was going to contact them, the got scare and they suspended this mortgage they sent me a check for {$230.00} dollards XXXXXXXX XXXX and XXXX dollards suspending this account, I have all documents to prove this case.I 'm looking for a LAWYER at this time. Thanks.
Consumer complaint received 2022-02-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc. (NJ)

I had some suspicious charges on my bank card so my bank contacted me. I told them that I had not made any charges that day then they proceeded to tell me it was from and escort/ dating service. I don't use such sites. So then the card was canceled and a new one is being sent out to me, in the meantime I had an {$800.00} withdrawal from cash app with my already canceled card, and even the bank let it go through, on a card that should no more exist. They return the {$200.00} in cash app that was supposed to go through
Consumer complaint received 2022-03-07
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I do not agree with XXXXXXXX XXXX RESPONSE RE : XXXX. I am XXXX XXXX XXXX and I am submitting this claim myself and no third party is involved. I am the consumer and the original creditor. XXXX is in violation of my consumer rights. Pursuant to USC 15 1681 ( a ) ( 4 ) I have the right to privacy. XXXX policy does not override a federal law. Pursuant to 15 USC 1681 a ( 2 ) ( 3 ) I have the right to deny anything being reported on my consumer 's report. Pursuant to USC 1695G Only I can validate this debt. I, XXXX have not validated this alleged debt. Also Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' should be EXCLUDED from a consumer report. 
XXXX might want to look up the term " Credit Card '' THE CREDIT CARD IS MY SOCIAL SECURITY CARD. This is the credit card to used to originate every consumer credit transaction. They should be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( b ). I am Demanding that you remove these transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41. 
According to 15 USC 1666 it is unlawful to report late payments it's a violation. Anything that contains a finance charge has already been paid in full balance because pursuant to 15 USC 1605 a finance charge is the sum of all charges so how can there be a late payments???? 
An alleged debt being furnished on my consumer report IS a violation of 15 USC 1692b ( 2 ) it is also advertising to coerce payment which is illegal.
Consumer complaint received 2022-03-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2022-03-07
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. (GA)

Over the last two years, my wife and I have gone through serious financial struggles. We ended up going with a XXXX XXXX XXXX after trying to get help from our creditors to no avail. The credit counseling company helped us negotiate reasonable payments, stop late fees, and hold interest rates. Before this could happen we were late on bills for a few months. For XXXX XXXX years, we made payments to the credit counseling company and they sent the payments on our behalf as part of the program. Now as we are coming out of being in a horrible financial place we are looking at our credit and realizing we are again being unsupported by the credit card companies and now even Experian, XXXX, and XXXX XXXX. One of the companies that we have struggled with is XXXX XXXX. We started making payments in XXXX through XXXX XXXX to XXXX. We paid XXXX completely off in XXXX of XXXX. We have sent copies of the canceled checks to XXXX Credit Cards and well as to Experian, XXXX, and XXXX. The credit reporting agencies have responded that they believe the reported information to be accurate. How can that be with canceled checks to show payment but 65 late marks on our credit? On XX/XX/XXXX, we sXXXX XXXX XXXX XXXX XXXX XXXX again sending all of the copies of checks, this time noting as they requested exactly what we thought was the error. We have yet to get a response. This is not 30 days ago. We are trying our best to recover from the financial struggles as well as begin the process of recovery. We just can not seem to get help, guidance, or answers for either XXXXXXXX XXXX  or the three credit reporting agencies why this can not happen. We made our first dispute on XX/XX/XXXX, online, we followed that up with a letter of dispute to the three credit agencies on XX/XX/XXXX. We received a letter back saying that they did not have sufficient evidence to investigate. It was at this time that we copied all of the canceled checks and mailed them to both XXXXXXXX XXXX  and all three agencies. At this time we requested that XXXXXXXX XXXX send us the statements showing we were late that they did not receive payments for these months. We received a response from XXXXXXXX XXXXXXXX requesting we send them exactly what we thought was an error. We completed this and sent the copies of the canceled checks once again on XX/XX/XXXX. It is now XX/XX/XXXX and we have still not heard anything. After the third dispute to XXXX, Experian and XXXX XXXX we were once again told the found the information to be accurate. We don't understand how this is possible.
Consumer complaint received 2022-08-03
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. (MS)

I have been submitting letters since XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation (NJ)

I started a new loan with Home Point Financial in XXXX of XXXX. All payments towards the new loan including the escrow account were made per the terms shared by Home Point Financial. 

Not even 6 months later, I am being informed that my account has an escrow shortage and therefore I am now required to pay an additional {$510.00} per month to fullfill my mortgage payment and refill the escrow account. 

This is Unfair and Deceptive. The amounts that I had paid into my escrow account were determined by Homepoint at the time of application/acceptance. Importantly, there has been NO CHANGE in the monthly taxes or home owners insurance. There is no reason that my amount should suddenly go up so much with no changes.
Consumer complaint received 2022-03-07
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.
Consumer complaint received 2022-07-10
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: Consumer Adjustment Company Incorporated (FL)

In accordance with the Fair Credit Reporting act CONSUMER ADJUSTMENT CO 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 2022-08-03
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. (CA)

in accordance with the Fair Credit Reporting act 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 2022-08-26
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)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-02-04
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: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (VA)

My husband and I are planning to purchase a home in Florida. The realtor suggested we obtain a pre-approval for a loan amount. I began the process through a link on XXXX. The agent emailed me and said that I would have to give permission for a soft credit check which would not affect my credit score. His company sent a link to agree to the soft credit check on XX/XX/2022. I clicked the link and began uploading the documentation they requested. A few day 's later, on XX/XX/2022, I received an email from XXXX that I have a credit notification. I went into Experian and found that this lender pulled a Hard Credit Report, which has lowered my credit XXXX. I emailed the company and told them that I did not consent to the hard credit pull and that they needed to fix this. In fact, they pulled a hard credit check and I had not even finished providing all of my documentation. Just this morning, the lender called me and when I informed him and provided the emails back to him showing that the consent link clearly states that it would be a Soft Credit check and would not affect my credit score, I heard him typing and I think he actually altered my record. I am concerned that he has access to my financial information now, as well as the fact that by pulling a hard credit check, this company has financially harmed my husband and myself with our credit rating, which ultimately will negatively, financially impact us when we apply for loan. 

I noticed that he sent a picture of " my consent '' while we were on the phone this morning. I could hear him typing and think he altered my documentation. He told me that he doesn't have th ability to alter my consent, but I think that he can because on the phone call, when I requested proof of my consent, he began typing and then sent. I would look at the time stamp for the consent. In any case, the emails that I received, represented that this would be a soft credit check and instead they conducted a hard credit check. I am attaching the emails in the documents. I will provide all emails later if needed. 

This company is XXXX XXXX XXXX # XXXX ( XXXX ) XXXX The agent is : XXXX XXXX XXXX XXXX NMLS # XXXX XXXX  Days To Close m : ( XXXX ) XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX. 
XXXX  XXXX. XXXX, FL XXXX XXXX
Consumer complaint received 2022-02-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2022-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (SC)

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on Unknoiwn ( Original Creditor : XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2022-07-08
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. (IL)

DISPUTED ITEM - XXXX  - {$120.00} I previously disputed this item with Experian. Im extremely disappointed with Experians decision NOT to delete the five-year old {$120.00} alleged debt being disputed with XXXX. Therefore, Im submitting an appeal regarding Experians decision. 

I do NOT want Experian to forward my appeal to XXXX  for further investigation. It will serve no purpose. XXXX will immediately and robotically respond that the debt has been verified. Theyve done this with my previous disputes. Submitting this dispute to XXXX will only guarantee another unfair No Win situation for me.

Instead, Im asking Experian to please step in and make their own decision regarding this {$120.00} alleged debt, independent of XXXX input, influence, and involvement. 

My dispute with XXXX boils down to a simple, yet very frustrating He Said, She Said argument over a {$120.00} defective watch I purchased and returned, which was then LOST by XXXX over 5 years ago. XXXX is the lender that XXXX uses to provide monthly payment plans for their customers. XXXX claims that the watch was never returned. Unfortunately, Im unable to prove that it was returned because I no longer have a five-year old return postal receipt. 

Question : Under these circumstances, why has Experian chosen to believe a huge lender and retailer over an individual consumer? 

PLEASE SEE THE ATTACHED DOCUMENT FULL COMPLAINT & ADDITIONAL INFORMATION