davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Jersey Mortgage Company of New Jersey, Inc. (NJ)

Please carefully review and read the response issued by Jersey Mortgage Company. Pay close attention to the sales contract  created by a realtor who claims to be a " 24k Customer Service '' realtor representing XXXX XXXX XXXX. I am very upset by XXXX XXXX XXXX 's " 24k Customer Service '' she did not apply her " 24k Customer Service '' motto she claims to bring to the table. The seller even managed to spell his name correctly on a legal binding mortgage contract regulated by the Federal Government nonetheless. XXXX XXXX XXXX realtor did not treat me with her " 24k Customer Service ''. I am not a licensed real estate professional and I can detect a slew of errors on all licensed real estate professionals involved in this Federal Funded Mortgage transaction in the amount of approximately $ XXXX of the government 's federally funded mortgages. I am guessing these real estate professionals were unaware of the countries mortgage collapse. This mortgage is an exact replica of what caused the nation 's mortgage crisis. Please have an experienced mortgage auditor review this mortgage. We can use these as a learning example for a refresher course for all licensed real estate professionals.
Consumer complaint received 2020-12-04
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: KEYCORP (WA)

Key bank locked my card and said washington unemployment locked it and that washington unemployment is the only one that can unlock it. Washington unemployment says they have nothing to do with the locking or unlocking of card and can't help me in this manner and keybank says that I can't do anything about it and that they need to hear from Washington state to clarify who I am and neither will help me in this manner and be wise of that I'm going to lose my house
Consumer complaint received 2020-10-08
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. (MO)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-10-07
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 recently saw that I have 2 credit cards that I never applied for. I am a housewife and don't work so never had the need to check my credit but when I recently chekced after a long time thats when I found out that there are 2 credit cards whch I have no knowledge of and are unathorized acccounts which ARE NOT BY ME THEY ARE OPENED FRAUDENTLY. I AM A VICTIM OF IDENTITY THEFT AND I AM JUST FINDING OUT ABOUT IT!!. I would like to get these both unathorized fraudentlt accounts off from my credit. These 2 accounts have hurted my score alot and during these hard COVID times i can not afford to loose another chance to miss on an oppeetunity.. These cards both have balances on them that I did not authorize at all. These Both credit cards are fraudlent. Please resolve this mater as soon as spossible as ths is an urgent case. 
Following are names are of unauthorized acounts 1.XXXX XXXX XXXX   acount ending in XXXX 2XXXX XXXX Credit card Thats all the info I have.
Consumer complaint received 2020-10-07
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. (TX)

I recently saw that I have 2 credit cards that I never applied for. I am a housewife and don't work so never had the need to check my credit but when I recently chekced after a long time thats when I found out that there are 2 credit cards whch I have no knowledge of and are unathorized acccounts which ARE NOT BY ME THEY ARE OPENED FRAUDENTLY. I AM A VICTIM OF IDENTITY THEFT AND I AM JUST FINDING OUT ABOUT IT!!. I would like to get these both unathorized fraudentlt accounts off from my credit. These 2 accounts have hurted my score alot and during these hard COVID times i can not afford to loose another chance to miss on an oppeetunity.. These cards both have balances on them that I did not authorize at all. These Both credit cards are fraudlent. Please resolve this mater as soon as spossible as ths is an urgent case. 
Following are names are of unauthorized acounts 1.XXXX  XXXX XXXX   acount ending in XXXX 2.XXXX  XXXX Credit card Thats all the info I have.
Consumer complaint received 2022-09-09
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: EQUIFAX, INC. (NY)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2020-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

I have been a XXXX mortgage customer since XX/XX/XXXX and have never had issues making a timely payment. In XX/XX/XXXX XXXX changed their online payment system & since then I've had 2 consecutive months of issues. The first was the lag time  between my XXXX payment submission & payment posting ( 5 days ) which caused my account to be flagged as 30 days late & dinged my credit report. ( This is the first time a payment submitted was not applied same day. ) The second was when  attempting to submit my XXXX payment, the payment never went through. I was forced to call ( for the first time in almost 4 years ) to make a payment to ensure that my account was current. That payment was made on-time.

This issue with their new online payment platform has created a much more concerning situation where now my credit has been impacted. 

I've called XXXX 3-4 times to rectify this error & the associated impact to my credit report. Since reaching them & logging 3 complaints/cases & now waiting 48 hours+ for a call back my Experian credit report shows as " data unavailable '' for XX/XX/XXXX and reflects paid for XXXX & " 30 days late '' for both my XXXX & XXXX XXXX mortgage payment. It is XX/XX/XXXX, my account can not be 30 days late 7 days into the month ... 

This 2 month " hit '' has decreased my credit 92 points at a time when I am attempting to close on a new home. I am extremely concerned that this will impact my ability to close on a home I am under contract to purchase. I'm unsure how to resolve this issue but I need it resolved ASAP.
Consumer complaint received 2020-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (PA)

This is my second complaint over the same issue. My loan was transferred from XXXX to Gregory Funding. At the time of transfer I was in the last month of my loan modification trial period. XXXX assured me the Gregory Funding was legally bound to honor my modification terms. I have made all payments on time yet Gregory Funding still has not created a loan modification and are now sending me letters with late fees. This is mortgage fraud and I want them investigated.
Consumer complaint received 2021-07-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (AZ)

I opened new checking and savings accounts with BMO Harris Bank on XX/XX/2021. Over the following weeks I made a series of deposits into the account ( some checks, XXXX and XXXX funds, transfers from my previous bank, etc. ). 

On or around XX/XX/XXXX, I attempted to transfer funds from my BMO Harris checking account, to my BMO Harris savings account, but found I could not execute the transfer. I also found that none of the debits or withdrawals ( e.g. utility and credit card payments ) I would have expected to see over the previous few weeks were reflected in my checking account activity. 

I contacted BMO Harris to inquire as to what the issue might be, whereupon they informed me that " furthered [ XXXX ] verificaton is needed for account access '' and requested that I provide my social security card, driver 's license, and a utility bill to their fraud detection department. I immediately sent the requested documents. 

BMO Harris at no time contacted me, by any means, to notify me that there was any issue with my account, nor is there any indication when accessing my account online that it is frozen. They unilaterally cut me off from my money and could not be troubled to let me know they were doing so ( nor did they indicate what I might do to prevent -- or remediate -- the situation ). If I had not discovered the issue myself, I suspect my funds would have remained frozen indefinitely. 

Meanwhile, I am unable to pay my rent, pay credit cards, or withdraw cash. I am incurring fees for rejected payments. I have no access to my own money. 

I have contacted BMO Harris via secure chat in their banking portal, by phone, and by social media, and repeatedly requested escalation of my case. I have received no assistance -- only standard 'we 're sorry for the inconvenience ' messages and an indication that their fraud team may remove the freeze within 3-5 business days. 

I can not contact their fraud team as their offices are closed over the weekend. BMO Harris ' mismanagement of this issue is unacceptable.
Consumer complaint received 2022-09-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (GA)

I paid XXXX XXXX XXXX XXXX  to do my taxes. I never got my completed taxes. I called XXXX XXXX at XXXX. He told me he was in XXXX XXXX with no cell phone service. He told me he would call me at XXXXXXXX XXXX that Friday then called to change that to XXXXXXXX XXXX. I went to look at my texts with XXXX XXXX. He pulled all the texts back meaning I couldn't see his part of the message. 

I immediately contacted my bank Chase and told them what happened, They reversed the charge of XXXX. I paid someone else to do my taxes. 

Today almost 2 months later, I check my account. JP Morgan Chase, reversed the charge again. When I called JP Morgan Chase, their reason was the vendor used a third party ( XXXX ) to process the payment. That has nothing to do with me. I did not receive the goods I paid for. Now I have paid for my taxes twice. I want my XXXX put back in my account.
Consumer complaint received 2021-04-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A. (GA)

Savings account XXXX was closed without notice or authorization. PNC bank engaged in unethical business practices by performing unauthorized closure of the savings account. This has led to multiple issues with auto-debit and auto-payment linked to this account. My preferred method of communication is via letter ( USPS mail ) or PNC secure message or via e-mail. Unfortunately, due to limited resources and to preserve account security, I'm unable to communicate via via telephone. 

Thank you.
Consumer complaint received 2022-09-09
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: EQUIFAX, INC. (GA)

Reporting act XXXX  DATE : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX DATE : XX/XX/XXXX and XXXX DATE : XX/XX/XXXX, XXXX XXXX DATE : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX DATE : XX/XX/XXXX, XXXXXXXX XXXX DATE : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX DATE : XX/XX/XXXXXXXX XXXX DATE : XX/XX/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. ALSO THESE inquires are in itself fraudulent and not done by more nor my consent
Consumer complaint received 2020-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hello my issue is with Transunion with whom I created a free account to view my online report and or file a dispute. I was able to create the account and tried two times to dispute information on the report which I believe is wrong.

Transunion gave me a confirmation number but the investigation did not go out. This happened 2 times and then wouldn't let me into the system without calling them.

I have called on 3 occasions. Each time, the wait times are horrific and the customer service is worse still. 
The calls get routed overseas and I end up either speaking to someone in the XXXX or in XXXX. Fine. I have asked multiple times for assistance in the US and for technical support to unlock the site which is free, I get offers to upsell me to a paid site or to pay for credit monitoring in order to view the report or file disputes. I am told that the people answering the phone are 3rd party and thus have no direct access to the information on Transunion but that they can handle a dispute over the phone. How can it be that a 3rd party with no access can file a dispute? I do not wish to do that. I wish to do it myself in private. 

When I tell the agent ( the man I spoke with gave the name of XXXX XXXX ), that I have used it before they tell me that I have not. When I say I called before and have even gotten hung up on, he tells me I have not called anyone. I can not believe a company holding the data on American citizens can outsource this work to other countries and even still that can't assist us without trying to upsell a product to us. 

I need help with getting access to my reports online as it is supposed to do and to allow me to dispute information in private, like I wish to do. This company has been giving me the run around by phone for over 40 days and I still have no idea what is going on or why.
Consumer complaint received 2022-08-20
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. (FL)

Credit agency-XXXX XXXX XXXX XXXX XXXX XXXX Acct # /Reference # XXXX 15 U.S.C. 1681 section 602A states I have the right to privacy. In accordance with the fair credit Reporting Act ; XXXX XXXX XXXX XXXX XXXX Account has violated my rights.

604A Section 2- It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2020-05-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MA)

Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are  collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Consumer complaint received 2020-07-29
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. (MA)

Identity theft and XXXX trying to collect on it. Promissory note has wrong spelling of name on it and fraudulent signatures. Contacted XXXX and they did nothing about it for two months. Sent certified letters but they keep ignoring it and wont take these off my credit report
Consumer complaint received 2022-08-20
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. (SC)

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 2021-07-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

I opened my account w citizens in XXXX online through the link that promised me XXXX if I met all the requirements which I did and another XXXX dollars for every debt card transaction for the first 60 days up to XXXX dollars. Amount was supposed to be paid to me XX/XX/30, still have not gotten my bonus, customer support is awful.
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (AR)

I got a letter from fraud department at Wells Fargo saying they were going to close an account of mine. I havent banked with them for almost 10 years. Then I received a debit card for that same account and then received the PIN number a few days later. 
I dont want anything to do with Wells Fargo XXXX and would never bank with them because of past issues with their facility. Im afraid theyre trying to trap people into using their bank services. Please contact me if you need any more information from me.
Consumer complaint received 2021-07-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

This is in reference to the case - XXXX, which was closed unsatisfactorily. The letter from XXXX XXXX on XX/XX/XXXX on page -1 states that " Notices were sent to allow you sufficient time to secure coverage on your property ''. I don't believe any notices were sent in year XXXX. Wells Fargo failed to notify or forewarn the consumer on lapse of the home insurance and placed a forced insurance in XXXX, which was three times more than the prevailing rate at that time.Wells Fargo mortgage lending practice has been nothing but unfair and unethical. I am deeply unsatisfied how Wells Fargo ' customer service addressed my complaint. They failed to bring a satisfactory resolution.