davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-03
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (AZ)

Due to bad service in XXXX I closed all my Bank accounts with JP Morgan Chase. I had 2 credit cards with them which they immediately reduced my available credit damaging my credit score from XXXX and reducing it to XXXX. 
I received two late payment reports for two separate JP Morgan Chase credit cards in XX/XX/2020 : A personal Chase Freedom credit card and a business credit card. I wrote a letter to dispute these late payment reports in their entirety and to have them removed from my credit reports. During the periods of XX/XX/2020 XXXX I went through financial hardship due to Covid-19 and its restrictions. I was told by a Chase employee my credit card accounts can be signed into their credit card relief & Forbearance program ( Appendix B ) and that I can receive covered accommodation which I accepted. During this period all credit accounts were paid and current as outlined in 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( iii ). I was told that under Chase accommodation program I could delay up to three payments on my personal or business credit cards since I had been affected by COVID-19. I was told during the relief period I would get : Statements showing no minimum payment due Refunded Late Fees No negative reports to credit agencies regarding late payments Still there was a mistake and were late payments were reported for both credit cards which is against Chases accommodation program and Terms and Conditions for credit cards in their accommodation program. Chase Credit Card Terms & Conditions for Covid accommodations. I am reporting Chase bank had a clerical or computer glitch/error in their system and that my accommodation was somehow not registered. I brought this error up to Chase Bank and was told to correct the issue with the credit reporting agencies as, according to their employee, they do not have a process in place to correct this errors once reported regarding Covid-19. Because of this I am requesting that all late payments reported by Chase Bank in the month of XXXX be removed from my credit report and further request that any damage to credit which occurred by Chase Bank decreasing my available credit be correctly reflected/noted, in written statement - to be an error and a mistake by Chase Bank I paid off all my Chase credit cards but due to their reducing my available credit limit and retaliatory tactics to my choosing another bank as is a consumers right I was unable to qualify for another credit card despite having XXXX debt. I applied for credit cards and was denied further damaging my credit score. It fell from XXXX to XXXX because of this which I believe is all a single issue. Chase damaged my credit and reputation due to my leaving their bank and credit agencies have been less than helpful in communication with me to correct this problem.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

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.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

About 2 weeks ago I made a cash advance of {$1500.00} from my old credit card with # XXXX XXXX XXXX XXXX and I reported to its customer service that I had lost this card so they agreed to close this card account and opened a new account which I just received its card yesterday on XX/XX/XXXX wich shown my current balance was {$400.00} due to my payments combined of {$1100.00} made to this account already but today ( XX/XX/XXXX ) my account was posted {$1900.00} as the current balance. I called the Customer Service to dispute it because this amount was unrecognized by me but the Customer Service told me that the amount of {$1500.00} were returned back to my bank checking account. I contacted my bank and had them check back on my bank balance statement but it did not show at all the amount of {$1500.00} were returned like the Synchrony bank Customer Service had told me even one of its member told me on Monday XX/XX/XXXX that the amount of {$760.00} was not returned back to my check account and it was credited to my payment for my credit card. It indicated clearly that Synchrony bank and its employees had committed fraud upon my credit account to cheating me financially and had violated the law of Fair Credit Billing Act and Consumer Rights Act. I would like to request that the CFPB to demand Synchrony bank to recorrect my balance at {$400.00}, to impose {$100.00} XXXX dollars penalty upon Synchrony Bank and suspend its business license for 5 years beginning on XX/XX/XXXX in order to deter Synchrony Bank and other financial institutions from engaging fraudulent activities and to protect the consumers interest. Thank you.
Consumer complaint received 2021-04-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (VA)

After my first email they emailed me back XX/XX/2021 saying they received my request I had simply stated I was locked out of my account. 

Couple days later agent emailed me and told me I had to resubmit verification I did that. From there it has been no response from them emailed them again on XX/XX/2021 No response XX/XX/2021 no response I also reached out to them via all social media channels I finally found why I was locked out of my account from doing research online it was because of a charge back of XXXX dollars. I submitted a payment of XXXX dollars into my account they took the XXXX out. Then I submitted an additional XXXX to cover any fees just in case. At the time of writing its over XXXX dollars in my Binance.US account that I dont have access too
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am filing this complaint due to XXXX 's continued failure to resolve fraudulent accounts and inquiries on my credit report, despite my repeated requests. I have attempted to resolve these issues three times, and XXXX, experian and XXXX has consistently failed to comply with federal regulations, including Section 609 ( a ) ( 1 ) ( A ) of the FCRA, 12 CFR 1006.34 ( b ) ( 5 ), FCRA Section 605B, and FCRA Section 1681e ( b ).

The fraudulent accounts and inquiries listed below were not authorized by me and are negatively affecting my credit profile. XXXX is violating my rights under 15 U.S.C. 1681b, which governs permissible purposes for furnishing consumer reports, and under 15 U.S.C. 1681e ( b ), which mandates accuracy.

I have listed all fraudulent entries in the attached documentation, including : Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting your immediate intervention to ensure XXXX complies with federal laws and removes these fraudulent entries. If this issue is not addressed, I will be left with no choice but to file a lawsuit.
Consumer complaint received 2021-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX is illegally re-aging a debt to make it appear more recent that in it is. The original delinquency date was XX/XX/XXXX ( see attachment ). They are reporting the collection open date as XX/XX/XXXX and updating the date of last activity every month to make it appear more recent than it is. This is a clear violation of the FCRA and is illegal.
Consumer complaint received 2021-03-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Service Company, INC (CO)

This company ( Credit Service Company IncXXXX, XXXX XXXX XXXX, XXXX XXXX, CO XXXX, XXXX XXXX XXXX ) has called me hundreds of times after I have asked them not to especially during work hours. I have called them numerous times and left voice mail messages and they have not called me back. They have never provided VOD verification of debt from my health provider, including in the summons that they recently sent me. I had a XXXX  over 2 years ago that was covered by my medical insurance and I belive a clerical error was made. I have recently confirmed with my provider that I do not owe them. This company also sent a process server to my residence yelling my name throughout the complex. This company is unprofessional and has threatened to affect my credit and has forced me to file a response in XXXX XXXX, CO court. Please let me know what I can do. They continue to call me. Thank you.
Consumer complaint received 2022-10-20
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. (IL)

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 XXXX. 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-11-24
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. (NM)

I have sent my letters in well over 30 days and the bureaus have not validated debt as stated in my disputes. I have not received anything.
Consumer complaint received 2022-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (SC)

We have our tax and home insurance escrowed with our mortgage company ( Ameris Bacnk ) so our monthly payment incudes mortgage, tax and insurance. In XXXX of this year, we received a notice from our home/auto insurance company that our policy was to be cancelled for lack of payment. Since we do not pay our home insurance directly we contacted our mortgage company to see what was going on. After hours on the phone they deferred us to the insurance company that makes payments for them. After more hours on the phone, we discovered our mortgage account was on hold, not from our lack of payment ( we have never missed a payment and pay extra every month ), but because the mortgage company was selling our mortgage to another. Thus, the paying insurance company said the could not make a payment while the account was on hold, even though they had the money to do so. We also discovered our account had been on hold since XX/XX/2021 and we were just now finding out about it. 

We immediately contacted our insurance co. so they were aware of the situation. We were told that it should be cleared up within the week. Fast forward a month filled with hours upon hours of phone calls and transfers, the paying insurance co. still would not pay, nor refund our money so we could pay and so our home insurance was cancelled. Now, my home was no longer protected, but my auto insurance went up because we no longer had the " bundle discount ''. 

After two more weeks the hold was finally released on our account. But now we had to set up a new policy with our insurance provider. We did only to find our home insurance costs were going up about $ XXXX now due to market increases. Regardless, we created the policy and the paying insurance co. finally paid. 

Then, Ameris Bank send us a letter telling us that since WE allowed our home insurance to elapse, WE had to carry hazard insurance now that would add and extra {$3000.00} a year to our payment. We obviously argued that our insurance would not elapsed if they had not put a hold on our account and not paid it with the money we had already given them. At this moment, they have reduced that {$3000.00} payment down to {$700.00}, but I refuse to pay it. They promptly threatened to send me to a collections agecy. Please be aware that in all of this we have still not missed a payment. We feel helpless and cheated.
Consumer complaint received 2022-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (NE)

I submitted a written request over 2 months ago when this account first appeared on my credit report. I asked for verification of debt and inq why I never received anything in writing. They then removed it from my credit report and then today it is back on there.. But they still have not sent me any proof or verification of this debt. I just want what I have asked for multiple times in writing, since I know that is my right as a consumer.
Consumer complaint received 2022-07-14
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. (PA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2022-07-14
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. (PA)

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2021-11-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

7 days ago my point of contact of Mr. Cooper contacted me regarding extension of forebearance, she said she is going to submit a request to extend the forebearance and will get back to me shortly. 

Its been 7 days and I haven't heard back from her. XXXX has arrived and this is the time Mr. Cooper asked me to contact them regarding making my payments otherwise my account will go in default. 

I called Mr. Cooper today, first of all it takes a lot of time to reach an agent, when I reach an agent they speak in XXXX  english, I made a call at XXXX XXXX  PST time, the agent wasn't paying attention to what I was saying and her attention was somewhere else. 

The agent asked me 10 questions to verify my account and then was taking me for granted, not paying attention to what I was saying. 

It was really hard to understand her as she was speaking in Italian english. 

We are calling regarding serious mortgage issues here and the customer service agents behave as if we are calling in a XXXX bar, there is no sense of seriousness here. 

I asked her to transfer me to some other agent, she just placed me on hold and from last 10 minutes I am still on hold. 

Why Mr. Cooper has provided me a point of contact, when I can not leave her a voicemail, email her and can not reach her? She is not reachable at all. 

Mr. Cooper is complete mismanaged company. 

They need to take their customers more seriously, rather than taking them for granted and treating them as they are no body. 

everytime I have to come here and make a complaint to CFPB or contact XXXX, why I can not resolve my issues or concerns directly with Mr. Cooper. 

And why they have to ask million questions to verify my account And why they don't have agents who can not speak proper english?
Consumer complaint received 2021-08-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP (LA)

dear sir, the problem being that i submitter a payment from XXXX XXXX in XXXX, louisiana of XXXX to authuris this payment to XXXX/us bank , on about XXXX instead they were 2 seperate transferes on the same day within a short amount of time and another transfere of XXXX was transfered from my account @ XXXX, i want XXXX returned to my account, i only authorised one payment of XXXX.called XXXX for assistance and was turned over to someone i could not understand what the problemi is or how to fix it, ... ... ... because of this, there will probaly be checks that will bounce..please help out, i live on social security and every dollar counts, i am a old vetran trying to live in this world to see my grand child before i die. XXXX XXXX The name of the supervisor I am dealing with at US Bank is XXXX XXXX phone number XXXX.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2020-08-28
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: ENCORE CAPITAL GROUP INC. (GA)

I have a loan with XXXX XXXX, XXXX XXXX XXXX XXXX, and MIDLAND CREDIT MANAGEM. I  have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and MIDLAND CREDIT MANAGEM with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2021-08-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (FL)

Good afternoon, Continuation from XXXX 1. Wells Fargo was instructed to pay {$100.00} M to customers that were Illegal Opening Unauthorized Accounts. The buolder in the case has been sued and has gone bankrupt. Mr XXXX from WF XXXX ID XXXX Office XXXX XXXX worked in house for the builder and forced me to close on the loan even though the loan was {$100.00}, XXXX over the true value of the property. I pleaded not to close with the builder and Mr XXXX and was threatened with litigation. I was forced against my better judgement and have sought disclosure of all the issues in the inception of the loan. 

2. I have paid all my payments on time, never late. Wells fargo did not act in my best interets in the begining and in 2017 changed the terms of the loan. So I sold the property. I have suffred a loss of {$100.00}, XXXX. XXXX Please hold the bank accountable. 

3. please esculate my case. Is the a litigeous option through your office for me to pursue this matter, or do you have a law group that you may recommend in Florida.

4 I will continue to pursue this issue. Please see WF response for XXXX Thank you XXXX