davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-28
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. (WA)

Chase Bank continues to do automatic deductions from my checking account without authorization or probable cause. On XX/XX/2023, I made a payment to Chase credit card for {$280.00}. On XX/XX/XXXX Chase Bank did an unauthorized auto deduct for {$150.00} stating that I had not made a payment that month which clearly I had. When I contacted Chase Bank, they acknowledge their error and said that they would refund me the {$150.00} plus the late fee of which to this date, neither has not been received or credited back to me. Then on XX/XX/2023. I made a payment to Chase Credit Card for {$270.00} for Chase credit card. Then another unauthorized automatic deduct to my checking account occurred on XXXX XX/XX/2023 by Chase Bank for {$140.00}. After calling Chase Bank they again acknowledge their error and refunded {$140.00} which I did receive, however the late fee attached was not received. At that point I also inquired as to the {$150.00} from the month previous, XX/XX/2023, that Chase Bank was supposed to have reimbursed to me weeks prior, and was told a supervisor would be in touch. Again, no one called or contacted me regarding the {$150.00} from XX/XX/2023 to this date. Now again for the third month in a row, today, XX/XX/2023, Chase Bank again hit my checking account for {$180.00} again stating payment not made and is also shown as an automatic deduction from my credit card which again I do not have any auto pay is set up and it was unauthorized. And Im assuming as the past two months that a late fee will also be attached to that as well I wan na know what gives them the right to continuously now dip into my checking account without authorization Or any auto payment set up to allow them to do so. And if not for me being diligent and doing my due diligence, they would be getting away with hundreds of dollars so far and I would like to know what recourse do I have been that now this is the second time that theyve caused me financial distress because now I can not make my car payment because the {$180.00} was taken out, and a claim has been made but yet no monies returned. So now Im going to be late on my car payment with a fee on top of that which will also hurt my credit because so far in the last two months that they have done this and have caused me financial distress. Theyve done nothing to contact the credit reporting agencies or to restore me to my previous status before they initiated their unauthorized illegal act. What recourse do I have and I want them find if its found in which it should be that they did these things intentionally in for three months in a row what is going to be done to restore my credit and Creditors that are not able to be paid on time?
Consumer complaint received 2023-04-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EQUITY LOANS LLC (FL)

XX/XX/XXXX, closed on our new home with Equity Prime Mortgage ( EPM ) via XXXX  XXXX  in XXXX, Florida ( home address- XXXX XXXX  XXXX XXXX, XXXX XXXX FL XXXX ). 

All was well, budget payment ( auto pay-2 half payments a month ) until our mortgage got sold to XXXX XXXX XXXX XXXX XXXX ) a few months later/end of XXXX. 

Since our escrow account at XXXX has been at a negative status. XXXX said it was related to insufficient escrow amount, when we paid more than the full amount of taxtes to be due at closing, and during scheduled payments afterwards and to current date. Upon escalating at XXXX ( XXXX ) to no resolve, we reached out to EPM ( XXXX ). 

EPM after weeks and many follow up calls by us said someone paid our property taxes twice with the county. EPM then said they reached out to our XXXX XXXX FL property tax department obtained a check ( # XXXX for {$4800.00} ) that was mailed out to XXXX via USPS tracking USPS XXXX XXXX XXXX XXXX XXXX. 

However, our concerns are still not resolved now months later. Turns out XXXX does not have the " overage check ''. Per our call to USPS ( XXXX ) per tracking # XXXX XXXX XXXX XXXX XXXX the package was sent from EPM ( XXXX, CT XXXX ) to wrong city and wrong zip for XXXX, the XXXX XXXX XXXX was correct though. 

Sent to XXXX at XXXX XXXX XXXX, XXXX, NJ XXXX, instead of to XXXX XXXX XXXX XXXX, XXXX NJ XXXX. 

One of the EPM escalation contacts is at XXXX at XXXX, ext. XXXX has still to no resolve. 

XXXX contact XXXX, spoken to XXXX, XXXX ( id CRD ) said there are no direct supervisor, that we could submit a written request, she would look into it and call us back.
Consumer complaint received 2023-04-26
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST REPUBLIC BANK (CA)

How was First Republic Bank able to make ALL of those low interest loans to clients without actually VERIFYING whether those clients had the ability to pay. I have met at least two clients who said a ) they never checked my income [ one was a realtor ] and b ) IF I put $ XXXXXXXX XXXX into XXXX they'll give me a loan. 
How does this follow the CFPB 's requirement ( that I, as a mortgage originator MUST follow and have followed these past 15 years! ) to verify the person 's actual financial ability to pay the loan. They have based ALL of their loans on client relationships with 'only ' wealthy customers ( another violation of potential redlining or covert bias ) and on the idea that, at least at the inception of the loan, the borrowing clients put $ $ $ into XXXX. These same clients were allowed to pull the funds immediately after close. And you're surprised they're on the verge of receivership. WHY WEREN'T YOU WATCHING THIS??!!
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

my rights have been violated by XXXX, XXXX, and Experian on XX/XX/2023 I submitted my Victim Determination Letter along with the rule attached to it along with the list of adverse items to be blocked in 4 days. I received a response that has nothing to do with what i submitted to them and that same adverse information is still parked on my credit without my permission. List of violations are adverse information not being blocked 4 days per the final rule on victims of a severe form of XXXX  XXXX, debt parked on my report to coerce payment from me, not in agreement with their membership contract to uphold state and federal law.
Consumer complaint received 2023-04-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc. (TX)

I applied for a vehicle loan through a XXXX XXXX dealership on XX/XX/2023. I was approved funding through XXXX XXXX however, the dealership obviously sent my credit information to several different financial institutions to obtain possible funding. As of today, XX/XX/2023 I have received an adverse action notice from GM Financial that is dated XX/XX/2023. To my knowledge, an adverse action notice is to be presented to the applicant 30 days after the receipt of a completed credit application. This notice was remitted a month and a half later! The letter discloses that I can request the specific reasons for denial by contacting the number within the letter. I tried to contact GM Financial, by the number they provided in the notice, however no one could help me. Their customer service representative demanded that I give my SSN or account number. I was not going to disclose my SSN and I was denied an account. I asked if I could give the reference number mentioned in my letter, and was told that was not sufficient. I then asked to speak with someone about Adverse Action Notices/ Denials and the customer service representative did not understand what I was requesting. The CSR then transferred me to another department, which was dealer services, and that was not a valid department for my issues. I watch my credit closely and do not like when financial institutions do not follow the rules and notify customer that they have denied credit in a timely manner. In this particular case the dealership sent my application to multiple institutions, to which I am only aware of the ones that I obtained an approval from, and the 3 adverse action notices. With receiving such a late notice, I am concerned about the number of times my credit was pulled on XX/XX/2023, which can hinder my score. " Too many inquires in the last 12 months. '' With my concern above, when reaching out to GM Financial, I also wanted to obtain the specific reasons for denial, again the CSR could not help me without me providing my SSN or account number.
Consumer complaint received 2016-09-29
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL (GA)

I have been fighting with Synchrony Bank with credit card accounts they said I open on line. When I asked them to please validate that information all they show me are bills with my name attached to them an a online application with my social and address but not the correct phone number. Also what I told them is when I apply for credit I always either use my middle name or middle initial because within XXXX miles of where I live there are several individuals with the same name as myself. The company refuse to remove anything and has me liable for those accounts, however I receive in the mail today a letter from them saying they will delete the credit inquiry that I never made from my credit file. What can I do to get not just the credit inquiry removed but the unauthorized accounts in my name removed also?
Consumer complaint received 2023-04-26
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC. (VA)

I am a victim of the US Office of Personnel Management ( OPM ) identity theft, that has been widely reported. I obtained documentation from OPM & contacted my local police. Local police said they had no jurisdiction, since the matter regarded a US federal agency & to contact the Federal Bureau of Investigation ( FBI ). I contacted the FBI & received a " Complaint Referral Form '' from them, containing my reported identity theft. I submitted the OPM & FBI letters, twice to equifax, requesting a security freeze, at no cost, as required by law. Each time, equifax replied with a vague letter, which all that I could gather, was they were not going to grant my security freeze. The letters did not contain an explanation or valid phone number for equifax, but were somehow able to contain the valid phone numbers of equifax 's competitors, XXXX & XXXX XXXX. I called equifax, XXXX, & requested they explain why I was not being granted a security freeze. I spoke with XXXX, XXXX, then XXXX at equifax. XXXX said the letter I received from the FBI & sent to equifax is not a valid police report. When asked to explain what it is equifax is expecting, XXXX stated she does not know what a FBI police report looks like, other than she expects it should say " police report '' on the top. I asked to speak to XXXX 's supervisor to which she informed me she was a manager & refused to connect my call further up the line. 

equifax is refusing to grant me a free security freeze, as required by law, even though I have met all the requirements. Please help.
Consumer complaint received 2023-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (PA)

On XX/XX/XXXX, made 3 purchases that i didn't remember using Shop Your Way Mastercard for, they were XXXX & XXXX to XXXX XXXX, and XXXX to XXXX XXXX XXXX, totaling XXXX. In XX/XX/XXXX while paying bills, i questioned the charges, Shop your way told me not to pay it and said they would find out what was charged. They sent it to their fraud department which reported I didn't need to pay the XXXX, that the charge were fraudulent. XXXX froze my account the end of XX/XX/XXXX, because Shop your way took the payments back of XXXX, XXXX and XXXX, totaling XXXX i paid XXXX XXXX XX/XX/XXXX and told Shop your way that XXXX was paid and Shop your way was owed nothing. Since then it has been a monthly late fee from XXXX every month, calling and talking to their reps, thinking we have it straight, then the next month, another late fee. Now they have a credit company wanting XXXX, the original XXXX and months of late fees they are adding on, while they affect my credit score adversely. i faxed to XXXX the statements from XXXX that show they were paid XX/XX/XXXX, i also sent it to XXXX XXXX  XXXX, but to no avail. They refuse to stop charging me with proof.
Consumer complaint received 2023-04-26
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. (GA)

TRANSUNION is reporting an account with XXXX XXXX XXXX on my credit report without my written authorization. Pursuant to the Fair Credit Reporting Act Section 604 ( a ) 2, I am instructing TRANSUNION to block this account from the credit report of XXXX XXXX.
Consumer complaint received 2023-04-26
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)

After reviewing my consumer reports I noticed that the bureaus are furnishing negative accounts without any verification or proof of validation of this debt or that you followed all laws and regulations to report. To my knowledge you have not completed a thorough and reasonable investigation of the completeness and accuracy of these accounts listed below, in accordance with 15 U.S.C. 1681 ( i ). 
Account Name : XXXX XXXX XXXX XXXX, Open balance {$440.00} Account Name : XXXX XXXX XXXX XXXX, Open balance {$3500.00} Account Name : XXXX XXXX XXXX XXXX, Open balance {$2500.00} Account Name : XXXX XXXX XXXX XXXX, Open balance {$41000.00} Take Notice. If this matter is not corrected in a timely manner, I have every intention to proceed with the administrative process and hold you all civilly liable as it will be clear you are in violation of 15 U.S.C. 1681 ( e ) ( b ), in regard to my injury. You have 3 days ( 72 ) hrs. to correct the status of my consumer report by removal or a status correction of paid in full of all above mentioned accounts. This is my written direction to you in accordance with 15 U.S.C. 1681b ( a ) ( 2 ). 
ALSO YOU WILL SEE ATTACHED THAT THEY ARE NOT COLLECTING ON THESE DEBTS. 
This is a LEGAL NOTICE and not a letter. 

Best Regards, By : XXXX, UCC 3-402 ( b ) ( 1 ) without recourse/ all rights reserved
Consumer complaint received 2023-04-26
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. (CA)

in accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681section 6 o 2 states I have the right to privacy.15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-04-28
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)

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-09-15
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: AES/PHEAA (FL)

I XXXX XXXX believe that I have a legitimate case of identity theft that needs the immediate attention of the Consumer Financial Protection Bureau. My case can be described in a chronological order so that it can be clear that my personal information such as my social security number, date of birth and additional personal information are being held by a collection agency that has no legal recourse against me personally. On XXXX XXXX, XXXX my debts from any XXXX student loans were legally discharged in a United States XXXX court. All of my debts were legally discharged and there is no legal position to collect. Any student loans procured after XXXX XXXX would fall under a different legal guideline, but any or all student loan debts procured before that timeline are dischargeable from a bankruptcy petition. The use of any of my personal information to abuse my credit reports is without question an identity theft. This company is using an abusive collection process in violation of my rights under the Fair Debt Collection Practices Act. I demand my file to be purged permanently and immediately.
Consumer complaint received 2023-04-26
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: Resurgent Capital Services L.P. (TX)

On XX/XX/23 and also on XX/XX/23 i sent mail regarding this account and haven't heard anything from them. I do not have a contract nor any contract with LVNV FUNDING LLC. I have never done business with this company. I am not liable for collect from this debt from XXXX XXXX  XXXX XXXX. I am not responsible for this debt from LVNV FUNDING LLC. I am asking for an original signed contract, including any electronic signatures, full payment history from the original creditor, and the original purchase agreement, and if the company can not provide all three of these the debt is in fact invalid and needs to be immediately removed from all three credit reports.
Consumer complaint received 2016-04-24
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (UT)

Chase Mortgage sent notice of my case specialist, who I attempted to send verification of employment and loss of income.. The case specialist would constantly lose the information I had sent in stating they never received the documents which would include pay stubs, employment information and so forth. I left multiple messages for the case specialist with no returned phone calls. 
I would like my mortgage to be reconsidered for loan modification.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have notified the credit bureaus XXXX, Experian, XXXX, XXXX, XXXX, XXXX, and a few other companies about fraudulent errors being reported to my personal credit files. 

To start I have notified them about fraudulent addresses being reported in my personal credit file. I have submitted police reports for alimony 3 years now asking to remove these addresses and these companies especially Experian. Experian has been reporting fraudulent addresses, names, accounts, and inquiries monthly on my personal credit files. I have sent in notarize letters several times. Its even been upload several times on this portal. I have verified my identity with these companies several times by sending in updated documents of my passport, drivers licenses, social security card, bank statements, utilities bills, a letter from my lawyer that was notarized. My request have gone unanswered and ignored like I dont exist.

This is my very last attempt to request that this inaccurate information be removed from my credit files. Under the consumer law it is my right to sue any company that is reporting unlawful and inaccurate information to my personal credit files without my authorization and I DID NOT authorize Experian to report theses address, accounts, and inquiries on my credit profile. The addresses are attached to fraudulent accounts that Experian is reporting to my credit files. 

Experian have violated several of my rights as a consumer by selling my personal information to third parties collection agencies. I have did a full investigation of these accounts and they are in fact fraudulent and need to removed from my credit files immediately. 

The following addresses are fraudulent, I have attached a copy of my personal credit report as proof of the incorrect information that is being reported to my credit files. 

XXXX is also reporting a consumer statement that is incorrect. I have no ideal what number is that on the consumer statement. XXXX needs to update my consumer statement correct the information currently appearing on the consumer statement is incorrect.
Consumer complaint received 2023-04-26
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: Resurgent Capital Services L.P. (FL)

In 2020, my business partner at the time had a copy of my license and social security number due to the fact that he claimed the company needed to file corporate business taxes. Shortly after, the company dissolved, and the business taxes were never even filed. Once the company dissolved, I noticed that fraudulent charges and credit cards were opened under my social security number and license information. I attempted to contact my former business partner to inquire of these charges, however he blocked me and I have not been able to locate him at all. I attempted to file a police report, however the local police department stated that without physical proof, there was nothing I could do. This was the ONLY person who had physical copies of my personal information, and the timeline was exactly when these cards and charges were made. I attempted to resolve this matter for the last two years and explain it to the debt collector with no success. LVNV Funding continues to call me and harass me daily regarding these charges. I need this resolved and removed from my credit once and for all