davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (TX)

To whom it may concern : I, XXXX XXXX, am writing this letter to lodge a formal complaint against Chase Auto Finance. 

For five years, Chase Auto Finance has refused to pay me over XXXX XXXX dollars : On XX/XX/XXXX, I received a loan from Chase Auto Finance ( herein referred to as Chase ) to purchase a XXXX XXXX XXXX. The total loan amount was {$62000.00}. Because the vehicle would be purchased out of state, the loan was to be disbursed in the form of two checks, one to the dealership for {$59000.00}, and the other, for tax and title, to the XXXX XXXX XXXX XXXXXXXX for {$2100.00}. I received the check for the dealership but never received the check for the tax. 

After about 3 months of calling Chase trying to get the second check from them, I was forced to pay the tax myself, as my temporary registration had expired. Even after I paid the tax myself, I continued to contact them via their phone support. Over the next 6 months, I was told multiple times that my issue would be resolved and that a credit for the amount would be applied to my account. Believing that the issue had been resolved and that my balance had been adjusted to reflect the correction, I stopped contacting them. 

Starting in XXXX of XXXX, when my loan had approximately 5 payments left, I realized that absolutely nothing had been resolved and no credit had ever been applied. I started contacting their phone support again. Each time I call, I am once again told that my case will be resolved within a few business days or to call back in a few days or that a representative from Chase would contact me. 

Each time I talk to them, they request proof of sales tax payment, which I have sent three times now, via fax and email. I don't see why they need proof that I paid my own taxes, when they never sent me the check for the tax. They have also requested a copy of the vehicle title, which I have sent multiple times as well. Again, I don't see how a copy of the title would help them pay money they owe me. On every single call, I am assured that my case will be escalated and that the matter will be resolved within a few business days. 

After no less than six, thirty-minute to one-hour phone calls in the last 3 months, as well as countless other phone calls earlier on, the issue has still not been resolved and now I am receiving threatening letters from Chase stating that my account is past due, that my vehicle will be subject to repossession, and presumably that my credit score may be affected. My frustration with Chase can not be overstated. 

After 5 years and countless opportunities to address this situation, I feel that this is at the very least a violation of banking regulations and at most illegal and fraudulent.
Consumer complaint received 2022-11-08
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights toprivacy and confidentiality under 15 USC 1681. 

U.S. Bankruptcy Court reference number XXXX U.S Bankruptcy Court reference number : XXXX U.S. Bankruptcy Court XXXX number 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 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 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 XXXX XXXX XXXX  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 ) y ( 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 2022-11-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2022-11-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2020-04-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: REGIONS FINANCIAL CORPORATION (FL)

in a time when americans are dying, suffering and lost jobs and income, why ARE some banks forcing us to call each week or month to ask for waiver of fees? JUST WAIVE THE XXXX FEES!!! 

REGIONS is a bad bank with no empathy. Although it has waived last. month ; s maintenance fees it requires ME and ALL OF US to call back to ask for or BEG for the wavier when it can auto waive it due to COVID! 

it is shameful and regions should be closed down
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Consumer Name : XXXX XXXX Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at 1.XX/XX/XXXX{$15000.00} an auto loan account opened at 2XXXX XXXX {$13000.00}, and a collection account opened at 3.XX/XX/XXXX on XX/XX/year> with a balance of {$710.00} that appears related to the aforementioned Fraudulent accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2022-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Bread Financial Holdings, Inc. (MA)

We received notice on XX/XX/22 that our XXXX credit card would no longer be serviced by XXXX XXXX XXXX, We were never notified of this change even though, looking on line, it was transferred to Comenity Bank on XX/XX/22. I was first aware of this when I tried to use my card and it was denied, Since I have excellent credit I started to investigate and couldn't get any information by trying to log into XXXX and couldn't. After several days of trying we received the notice from XXXX. I finally reached someone at Comenity where I was told I could log on and pay my bill. Since we NEVER received new cards that would be impossible because we have NO IDEA what the account is. This seems like a SCAM - what bank does business like this? In addition to Comenity bank, XXXX and XXXX should be accountable for explaining to their customers this XXXX up.
Consumer complaint received 2020-01-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MI)

This is actually the second sale of my home. The first was in XX/XX/XXXX and was later rescinded via court order ( I have that paperwork ). It was given back to me due to errors ( which I argued to be an illegal foreclosure ) in the modification process. 

I was then allowed to complete another modification. I completed said modification and was approved. After numerous calls to the mortgage servicer, asking for my modified payment amount and being told to wait as they figure it out, they again sold my home on XX/XX/XXXX. 

I was referred to Legal Aid via a community resource. I contacted them in XX/XX/XXXX, explained my situation and was told it would be reviewed and someone would get back with me. After months of waiting and hearing nothing, I reached out to Legal Aid and was told my case had been closed due to them only having enough resources to help 1 out of 3 people. 

There were so many errors, wrong information and failures to communicate throughout this process. I am now literally a month away from losing my home of 22 years. 

If there are any attorneys or agencies available to help me keep my home, I would forever be in your debt. All of this began when I became ill and unless I have help, I will lose my home, as I can not fight this corporation alone.
Consumer complaint received 2023-02-10
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)

I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX - XXXX... 
XXXX CARD - XXXX... 
XXXX XXXX XXXX XXXX - XXXX... 
XXXX XXXX XXXX - XXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2022-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My dispute involves a missed payment reported by XXXXXXXX XXXX to the credit bureaus for a credit card, Account XXXX XXXX XXXX XXXX XXXX This credit card account was stolen in the Fall of XXXX and used to make significant unauthorized purchases overseas. XXXX XXXX  never informed me of this. The card account was also set up for automatic payments. 

After discovering the fraud, I contacted XXXX XXXX. I was advised not to make any payments for the fraudulent purchases. The fraudulent purchases were reversed, and I was also advised that any resulting late fees regarding them would also be reversed. All of the fraudulent charges were reversed. I was issued a new card, and told all of the information would carry over to the new account. I have always used auto pay on all my accounts, which is why I have never missed or made a late payment. 

Despite being told auto pay would carry over to the new card, I noticed right after the due date in XXXX of XXXX that the payment did not process. I immediately made a one-time payment, and called customer service as to why it was not processed. The CSR representative acknowledged it was the fault of XXXXXXXX XXXX  that the auto pay apparently did not transfer over. As part of this acknowledgment, all of the late fees and interest charges were refunded to my account, which is why my credit card account currently has a negative balance. Auto pay was then set up again. I was also assured that it would not be reported as late or missed to the credit bureaus. 

After dealing with this, I was not only surprised but angered that XXXXXXXX XXXX  reported my account to the credit bureaus as having missed a payment. This caused my credit score to drop over XXXX points. 

I made a formal complaint to XXXXXXXX XXXX after filing complaints with the credit bureaus and no changes were made. XXXXXXXX XXXX then denied my request to have the late payment removed from my credit history with them, and thus with the credit bureaus.
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION (MD)

I was hired to work for a company they gave me onboarding paperwork to fill out then sent me a check to purchase aloe my remote work equipment they told me if I had trouble securing anything to reach out to them. The specific XXXX they wanted was not available so I asked them if I could get another one they told me they would reach out to the it department to see if they had anything available so I contacted the person and they said there was one they could ship to me next day and they would load all the software I needed on it as well. I sent them the payment for that out of the money that was given to me for this purpose. The next day I got notified from the bank that the check was fake and I was confused I told them its from my job they told me Ive been a victim of remote job fraud I asked them what I could do they said nothing since I sent the money. 

I reached out to the company who said they would try to figure out whats going on and get back to me but shortly after the communication with them was cut off I called the police department and filed a police report and they told me to try and speak with my bank. I bank with navy federal and I am a XXXX they dont want to do anything to help me and now Im in the hole XXXX that I dont have
Consumer complaint received 2022-11-08
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: EQUIFAX, INC. (IL)

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.
Consumer complaint received 2022-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a victim of identity theft. I had filed complaints to the TransUnion on XX/XX/2022. The bureau received the complaints but has not taken off theUnverified information from my report. 

The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.
Consumer complaint received 2023-02-10
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. (AL)

I have previously disputed with Experian about them verifying a XXXX XXXX  charged off account on my report. I filed a CFPB complaint on XX/XX/23, Claim # XXXX. 

On XX/XX/23, Experian stated that the account information would be fixed, and my case was closed with the CFPB. I just received an updated results message from Experian on XX/XX/23. The results are " the account has been updated 'XXXX XXXX XXXX XXXX account is showing the same inaccurate results as my previous reports. 

Please assist me with this account that's inaccurately reporting on my credit report.
Consumer complaint received 2023-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. States I have rights 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 items of information, other than records of conviction of crimes which antedates the report by more then seven years.

25 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to Consumer Reporting Agency if person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-02-10
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: Experian Information Solutions Inc. (SC)

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 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 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 2023-02-10
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: Experian Information Solutions Inc. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL)

I secured applicable Flood Insurance on a yearly basis at a cost of {$1500.00} through XXXX XXXX while my mortgage was with XXXX XXXX XXXX XXXX XXXX. 

XXXX subsequently sold my mortgage to XXXX XXXX XXXX XXXX XXXX, XXXX. Neither companies updated the XXXX XXXX XXXX with the new mortgage company information. The XXXX XXXX sent the flood insurance renewal notices to XXXX which remained unpaid resulting in the policy expiration. 

When I called XXXX XXXX to get a new flood policy, I was told that new policies would be subject to rate changes and that what would have costed {$1500.00} will now cost {$7500.00} for the same coverage. 

The mortgage company had a duty to provide notice of mortgagee changes to the insurance company. Their failure to do so resulted in the expiration of a flood policy that had substantial rating discounts while the new policies do not. Their failure to update the insurance XXXX when they sold my mortgage is costing me {$6000.00} more in insurance a year.