davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-24
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: JPMORGAN CHASE & CO. (CA)

XX/XX/2023 I sent correspondence regarding inaccurate and unknown things on my credit report to this day 63 days later I have yet to receive a response. I believe I am being taken advantage of and consumer rights violated. Per section 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( JP Morgan Chase ) making the report. Payment history and the late payments associated with payment history negatively impact my consumer report and are considered as part of my transactions and experiences between a business entity not a personal account and JP Morgan Chase. I demand these transactional late payments be removed immediately or I will seek litigation due to the violation of rights and breach of contract. Remove data entered XX/XX/2023 an XX/XX/2023
Consumer complaint received 2023-04-25
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2023 I started receiving emails from Bank of America that a checking account application was approved, in progress, welcome to online banking, arrival of a digital debit card and even a money transfer notification in the amount of {$750.00}. I forwarded all those emails to bank of America fraud department @ XXXX. I never received a response. I called the bank and told them I never opened this account and that the name on the account isn't even my current legal name. I was told that the account was flagged and never opened because they never received my identification. I told them that's incorrect because I got an email advising not only was the account opened, but money was being sent to multiple people through XXXX and I even received a debit card in the mail. I was transferred to their fraud department and told they were closing the accounts and starting a claim and that I am not liable for anything, and they were going to send me a letter that I can forward to the credit buraus informing them that this account was fraudulently opened. I provided my email, but never received the letter. The only letter they sent was a letter stating my account was closed and they were reporting it to the check system - nothing in the letter mentions the fraud that occurred, and it even says that this may make this harder for me to open a new bank account? A week later on XX/XX/2023 I received a bank statement That shows the account was opened without any real identification and multiple XXXX transfers occurred on XX/XX/2023 and even an external transfer fee.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

Experian has verified my correct name address and personal information. 
My name is only XXXX XXXX XXXX and my address is XXXX  XXXX XXXX XXXX LA XXXX. 
They have refused on all accounts to remove this inaccurate information from my consumer report after over 15 calls plus letters. 
They have on my Consumer report that I'm also Known as XXXX XXXX and I also live at XXXX XXXX XXXX XXXX XXXX LA XXXX. 
They also have me also known as XXXX XXXX and XXXX XXXX at XXXX XXXX XXXX XXXX LA XXXX.
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hi I have issues with Bank of America XXXX XXXX and XXXX i tried to apply for credit cards but found out there were fraudulent debit cards or attempts of opening cards under my name and now they dont approve me credit cards because it looked bad under my name I never ever had anything to do with these companies if they had previous applications under my name it was due to fraud
Consumer complaint received 2023-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (NC)

Spoke to someone about the overage when transferred to this company and the escrow. I wasnt negative. Then a few months I am. I had XXXX. Extra from payments being sent. No one said anything about the time it will sit account before they will take it after question the amount. Ask for it to be refunded told no. They were to ask where I would lime for it to go and never did. So instead of refunding me or out to escrow that they say I'm short in. They moved the money to principle on their own to make my payments higher which is XXXX and I'm on fixed income. Ut that way they get free money and more from me. Making it harder on me. To include I still never recieved the back pay from the old company that sold my acct when they found out I had recording of them owing me my tax payment amount that I filed before on here. I sent that info with. We company and still nothing. I'm due XXXX plus from that still. They still havent refunded the late fee with this new company or the XXXX fee that the last company lied about a forclosed fee to my investor. I want to be refunded all my money and them to put that XXXX to that escrow and lower my payment back to it's original payment XXXX. XXXX where it should be. I called them again and spoke to a guy and gave permission to call bk if disconnect and no call back or anyone.
Consumer complaint received 2023-04-25
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

I have been trying to access my mortgage account online. Freedom Mortgage has taken away my online account to manage my payments, escrow, principle payments etc,. because my loan is an assumption. I assumed this loan from the ex husband and it is court ordered and my account access has been taken away from the mortgage company Freedom Mortgage and it is not allowing me to access my account online. 

Freedom Mortgage has shared that I don't have access and they won't grant it on XX/XX/XXXX. I assumed this loan on XX/XX/XXXX and have had access to this account since them and now they have taken it away as it seems their IT team can't figure out how to redact the prior borrower 's information. I want my account access back. 

Thank you, XXXX
Consumer complaint received 2023-04-25
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. (MI)

I have disputed these student loans with the credit bureaus and XXXX. These student loans have late payments attached to them that are inaccurate. The student loans have been being marked as late during the pandemic when there has been no payments due during the pandemic. I have been disputing this with the bureaus and XXXX for three months and it has been coming back verified with no explanation. XXXX knows that there has been no payments due during the pandemic they refuse to resolve the issue and this is causing detriment to my financial state. 
These accounts are also reporting inaccurately and differently across all three bureaus.
Consumer complaint received 2023-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (DE)

To Whom It May Concern : In your response to to the inquiries you received through the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/2023, and the XXXX XXXX XXXX on XX/XX/2023, you stated, You want Caliber to take the payment as they requested, move forward with the request and remove the PMI retroactively when your initial request was submittedOnce we have the decision from the investor, we will respond with the decision and backdate the decision to when the initial payment was received, XX/XX/2023. Having accepted that your error caused an undue delay and therefore providing a remedy of retroactive removal. 

I have since received your letter dated XX/XX/2023 directly contraindicated the above text submitted through the Consumer Financial Protection Bureau ( CFPB ). Your letter dated XX/XX/2023 states, As the PMI decision is based on the receipt of the valuation, is the date of XXXX cancellation Caliber will cancel the PMI and will not cancel based on your request date. 

Again, your previous correspondence submitted to the Consumer Financial Protection Bureau ( CFPB ) stated that you accepted your error caused undue delay and you provided a remedy of retroactive removal to the date the initial payment was received, XX/XX/2023. I request that Caliber Home Loans take immediate action to resolve this issue by providing the remedy stated in their correspondece. I would appreciate a response to this letter within 10 business days, outlining the steps that you will take to resolve the situation. Thank you for your attention to this matter. Sincerely, XXXX
Consumer complaint received 2023-04-24
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

The creditor has not updated the information nor has provided proof, or documentation in regards to any late payments. They have not supplied this information and they must delete the alleged payments on my credit report. 

Under 15 USC 1666b, Timing of Payments, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason. Also 15 USC 1681e - compliance procedures, which clearly states maximum possible accuracy.
Consumer complaint received 2018-09-23
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: Clarity Services (FM)

I have been challenging the XXXX  XXXX XXXX account listed on my report for one year now. Finally, XXXX   XXXX XXXX concluded their investigation and decided in my favor to remove the account listed on my report. it was opened due to fraud and i opened a police report. I have been embarrassed for over one year when trying to open an account. I couldnt even get a job in the bank because of this.
Consumer complaint received 2023-04-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (AR)

Resurgent is acting as a collector for XXXX internet service. This service was terminated after I purchased a {$300.00} router from them and did not recieve adequate service ( internet never worked and they would never come and fix it ). 
When purchasing the router, I was told that it would be mine, I would not have to pay the rental fee, but if it were to ever break, I would be responsible for purchasing a new one as it was my owned property. This was over three years ago. 
The internet never worked, I paid {$80.00} to have them come fix it, still did not work. I canceled and they tried to hit me with early termination and have me return the equipment that I had purchased. I refuse to continue to pay for internet service that was not being delivered or return equipment that I purchased. XXXX turned me to collections. This debt has been handed down to four different collections because none of them can prove that I actually owe a debt, they just keep sending a fraudulent bill. 

I sent the following letter to each collector, including resurgent. : " Previously I had asked for proof of owed debt to XXXX internet provider. You sent me a bill from which they had charged me, however, those charges are fraudulent as the early termination was due to a lack of service on their end. I am lawfully able to refuse payment for services in which I did not receive. Additionally, they had billed me for the nonreturn for lease equipment, however I had already paid the {$300.00} in full for the modem and XXXX XXXX when they were installed. 

If you can provide me with a signed copy of a contract stating that I would return the equipment that I had purchased without reimbursement, that would then be sufficient proof.However, a copy of a fraudulent billing statement would not suffice as proof of debt. '' They then told me that I had to prove that I did not owe the debt. I explained to them that the burden of proof was not on me. They continue to send me mail.
Consumer complaint received 2023-04-25
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. (IL)

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. 

XXXX 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 an 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 2023-04-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (OH)

I contacted the bank on XX/XX/XXXX about escrow shortage. I wanted to pay the shortage in full. I was quoted an amount. I paid said amount. I was quoted a new payment and a start date. I logged back on XX/XX/XXXX to verify. I was informed that I was quoted the wrong amount of shortage and that I owed more. I paid that shortage and was assured new payment would be processed. I asked for management to reach out to me. They did through secure message, not a phone call. I got a message stating everything was cleared up. Shortage was paid in full and new payment was recorded. Received phone call on XX/XX/XXXX saying Im behind on payment. Customer service on phone was rude! I asked for manager. I was transferred. I was told they could not see any messages and that I must make prompt payment on phone to avoid collections. The payment they wanted was for shortage to escrow. I denied to pay because of proof I have in chats. Customer service manager stated there was nothing she could see or do. This sounds like a fraud claim to get more money into an escrow account that they can use and sit on interest free. I have screenshots of messages to prove conversations had. There is fraud practices going on inside bank institutions.
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (IL)

See the documents attached. 

I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.
Consumer complaint received 2023-04-25
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. (NC)

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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 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 2023-04-25
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: EQUIFAX, INC. (SC)

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX Balance : {$4600.00}, XXXX XXXX Balance : {$52000.00} & XXXX XXXX Balance : {$23000.00}
Consumer complaint received 2023-04-24
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I have been disputing the information on my credit report and am baffled as to how the information is coming back as verified when none of the information is matching up with the other two bureaus. I am disputing the validity of : I need for the creditors to validate the information that is being requested. 

PLease validate - dates of last payment- open date / first delinquency
Consumer complaint received 2023-04-25
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)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 
Please update my address to : XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$5300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$150000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3000.00} XX/XX/XXXX XXXX
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: All State Credit Bureau, Inc. (MI)

My collection for XXXX XXXX unpaid account is as removed on XXXX XXXX on XXXX and XXXX they put it back on there 2 weeks later on my XXXX this is a violation Under the law.
Consumer complaint received 2018-09-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC (KY)

In mid XXXX my car was repossessed by XXXX XXXX. I admit that there were errors on my part and wanted to get my car returned. While speaking with XXXX in the recovery department she stated that 1. XXXX XXXX had received no payments from me in months 2. She would have the repossession and late fees removed 3. That {$1300.00} would bring me completely current to my XXXX payment and allow me to retrieve my vehicle. On the following Monday I sent the required amount by XXXX XXXX to XXXX XXXX and notified them of the transaction. After several emails to swear I would stop payment and multiple calls I received an email stating they made an {$8.00} mistake that must be paid prior to retrieving my car. My fianc and I spoke to a manager XXXX who released my car and confirmed to us both that nothing further was due on my vehicle besides the {$8.00} and the up coming XXXX payment. Since then I have had nothing but nightmares from XXXX XXXX. They have failed to credit my account with payments made, called 20 or more times a day while Im at work, and made repeated threats that they havent received car payments for months. I have started 3 Manager reviews requesting they 1. Review the phone recordings and emails 2. Post payments correctly and 3. Correct my account to show the appropriate amount due and current correct payoff amount. I have had this {$16000.00} loan for 3 years and still owe XXXX and the amount due since XXXX is over {$2000.00} on a monthly payment of {$370.00}. I have not heard a reply by letter, email or call from any request for review. I did receive a voicemail requesting that I return a call to XXXX. When I attempted to call XXXX at the number left a XXXX answered stating they hadnt received a payment for XXXX, XXXX or XXXX. The attached files will show they received payment plus extra. I however have not received correctly posted payments or account corrections based on the original information I received. The last manager I spoke with promised to reply within 24 hours. I have still not heard back from manager XXXX XXXX in over a week. XXXX XXXX did come to my house and leave a threatening letter however but can not reach me to solve their issues.
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX is inaccurately reporting 3 bankruptcies on my behalf and without my consent. This information is incorrect and should be removed from all reporting agencies as this inaccurate reporting has negatively impacted my life.
Consumer complaint received 2023-04-25
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. (FL)

I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal information