davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-21
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

We were required to get XXXX XXXX from Chase on a XXXX Heloc loan. For the last five years we have been overcharged for this coverage. The coverage is XXXX this year and they had charged us XXXX consecutively for the last five years. Chase is now under a class action lawsuit " XXXX vs XXXX '' whereby it was discovered that Chase, " breached its covenant of good faith and fair dealing, unlawfully required its customers to carry excessive flood insurance for their property, and that it unfairly profited from receiving kickbacks in connection with lender-based insurance including in the form of commissions. ''
Consumer complaint received 2015-04-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (CT)

Basically Chase Bank foreclosed on my property in XXXX XXXX in the middle of a loan modification/deed-in-lieu agreement. I never heard from my assigned caseworker either, an XXXX XXXX XXXX who I believe was derelict in her duties to me as the consumer looking for help to save my property. This property was a post-divorce property settlement issue and my ex-spouse continued to live there after our divorce in XXXX, allowed the house to fall close to foreclosure XXXX or XXXX times, then stopped paying altogether in XXXX. He and I went to court so I could simply request the property be listed for sale and he objected ( while not paying mortgage and I paid rent somewhere else ) so we went to the XXXX Superior Court, XXXX Civil Supreme and XXXX Appellate then XXXX eviction court. I kept Chase apprised of my intent to deed the house over to them and they kept telling me to continue with the litigation and they 'would work with me '. I won in each state and spent well over {$35000.00} of my own personal money to get the deadbeat evicted for Chase, listed it for short sale in XXXX with a realtor per their request for one year, then after the contract expired I kept up with the modification paperwork as I never heard from them, and now this very upsetting final ending. I am disgusted that Chase would steal my home from me while in the middle of a loan modification. I protested via fax before the house was actually foreclosed as we were/are in the middle of a modification. I am the sole deed-holder ( or was ) and just called FHA and they said even though I had contacted them in the past, they did not have this property on their records. I heard of a case in XXXX where a woman is suing Chase for the very same thing so I sense a 'pattern of bait-and-switch modification agreements to avoid foreclosure ' and feel obliged to report their very bad processes and behavior regarding my loan. I have plenty of documentation to share my story when ready - too much to go through after dealing with that 'bank '.
Consumer complaint received 2015-07-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MA)

My account with XXXX was tied to the filing date of my ex-wifes bankruptcy. I disputed the date which was updated however they also changed the date of first delinquency ( re-aged ) from XXXX to XXXX in the process. I spoke with XXXX who confirmed that the date was updated incorrectly and they agreed to put through the correction. After the correction did not post I called Equifax who confirmed that the account was re-aged but the correction was not showing. I then contacted XXXX again and worked with them for several hours including a joint conference call with XXXX and XXXX XXXX XXXX Customer Service department which still did not fix the issue. XXXX confirmed that all the information in their system reflects the XXXX date of first delinquency but it is not updating on my credit report. I was then advised to dispute the account again which i did and XXXX responded by saying the information in their system is correct ( XXXX ) but still lists XXXX on my credit report. At this point XXXX is saying there is nothing else they can do and Equifax 's only suggestion is to keep disputing the account. As the 7 year period on this account has passed and the account has already fallen off of XXXX and XXXX, I want the account removed.
Consumer complaint received 2024-10-16
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. (MI)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$350.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$570.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$560.00} XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$1400.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1500.00} INQUIRIES : XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-02-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Equifax XXXX XXXX XXXX XXXX, XXXX XXXX I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : LAST LATE DATE XXXX XXXX XXXX XXXX XXXX XXXX {$100.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : LAST LATE DATE XXXX XXXX XXXX XXXX XXXX XXXX {$300000.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : LAST LATE DATE XXXX XXXX XXXX XXXX XXXX XXXX {$5800.00} XXXX {$6000.00} {$81.00} {$6000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX {$60000.00} XXXX {$130.00} XXXX - {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX Late Dates : 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 {$300000.00} XXXX {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX LATE DATES : LAST LATE DATE XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, Equifax XXXX, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/XXXX in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX XXXX # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2016-01-13
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: SYNCHRONY FINANCIAL (TX)

Good afternoon, I have received notifications ; via phone on XXXX/XXXX/2015 @ XXXX your collection agency left a voicemail violating federal laws ( FDCPA ) I called back to see why are they disclosing information over a voicemail. 

When calling back @ XXXX I spoke with XXXX in XXXX XXXX, he started to give me my personal information like, address, last XXXX of social ( I did not he did, without even verifying who he was speaking with ) He then stated that I need to be transfer to XXXX XXXX, he then started to informed me that it was for JC penny and the amount I was due for. 

Again collecting and violating federal laws ( FDCPA ) he failed to mini-miranda me before disclosing the reason of the call. 

I then asked to speak with the supervisor ( XXXX XXXX ) to have my account closed out at a {$0.00} balance due to many federal laws being violated to the consumer.
Consumer complaint received 2016-02-01
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I have received a promotion from Capital One to transfer balance to my credit card with 0 % for 18 months. On XXXX/XXXX/2015 I transferred {$4500.00} to my account at XXXX and Capital One put {$4600.00} ( XXXX % transfer fee ) on my credit card. Due to restriction to the way of making transfer, I have made it online with expectation of funds arrived to my XXXX account in 10 (! ) days. I was wondered why Capital One did not simply provided checks for transfer considering that at the same time the bank offers balance transfer for my business credit card WITH checks. When I did not get money on my XXXX account in two weeks, I have contacted Capital One and XXXX on XXXX/XXXX/2015. Capital One representative said that they sent a check to XXXX, but XXXX representative said that they did not receive any checks for my account. I have written protocols of these chats and submit them with this request to CFPA. Finally, I 've been told by Capital One representative that he makes an internal request and somebody from their appropriate department will contact me in the next 10 days. Today, after waiting for 2 weeks I have decided to contact CFPA.
Consumer complaint received 2015-07-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NV)

Over a year ago I had an account with XXXX. I was more than dissatisfied with there service to say the least, so I cancelled. I paid my debt and moved on. XXXX then sent me to collections for a debt that was Invalid. The debt was removed from my credit by all three credit reporting agencies due to it being invalid. In the past year XXXX has given this invalid debt to XXXX collection companies that I have had to fight and prove the debt was invalid. The first was XXXX, then it was XXXX collections, XXXX collections, and now Eenhanced recovery collections out of florida. I have just filed XXXX complaints again with the XXXX and am now seeking legal counsel for there harassment. Please look into there unethical business practices. Thank you
Consumer complaint received 2024-08-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 anted
ates 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 2016-02-18
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (CA)

XXXX Mortgage paid off by XXXX XXXX/they requested pay off amount from Wells Fargo ( XXXX 2015 ) WF gave them a figure, check was issued, then WF called back to XXXX XXXX and said they needed additional money to pay off debt - XXXX XXXX sent second check in the amount requested - paperwork submitted shows account with XXXX balance. Then in XX/XX/XXXX an automatic charge appeared on my checking account for what was the monthly payment ... I challenged it with my bank XXXX XXXX XXXX, provided them my documents and they supported myclaim and refunded the money taken by WF. Then WF tried to debit my account again in XX/XX/XXXX - same procedure, challenged with my bank and they again agreed and the charge was reversed. Now WF calls this house 3-4 times a day, we have tried to block the number but they must be using a different number than what is showing on the caller id ... ..We can not get them to stop ... they call at XXXX XXXX every day, including week-ends, call later in the afternoon and at night ... .Have even answered once or twice trying to explain why we no longer owe this amount ... .they continue to call ... .we need help stopping this harassment.
Consumer complaint received 2015-07-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

I mailed a dispute to experian regarding XXXX XXXX loans being reported on my credit report. XXXX should not be reporting any information due to no longer being the furnished of those loans. Also they are reporting incomplete payment history for the loans. They did not have 2 years worth of history from when the loans were opened. Under fcra the law states complete and accurate information has to be reported to credit bureas. OR if it is not has to be removed. After filing the dispute with experian, I waited XXXX days for a result. Never received anything. I tried to file another dispute and received a message those items were verified and I would have to dispute with sallie mae directly. So I called XXXX and was advised that XXXX had no information since the loans were transferred to another office and could n't find any information in my name also stated they were never notified by experian of any information. I called experian and spoke to XXXX from team XXXX. After citing my writes under fcra, XXXX advised that I was absolutely right, also stated experian did not verify anything with XXXX, did not receive my dispute. But normally does not contact the creditor anyway regarding disputes just posts whatever creditor wants them to report. I advised XXXX I was going to complain to the federal trade commission and consumer finance and sue experian, XXXX advised he was disputing items again and notation I was proficient in fcra law and certain experian would now remove those items. XXXX then asked if there was anything else I wanted to dispute. I answered yes I have a credit card which the credit status was incorrect and I had disputed. XXXX checked and advised they received that dispute and that information had been corrected. I advised the XXXX loans and credit card dispute were filed on the same dispute I originally filed. XXXX stated he would file a complaint must have been a computer error. I am filing a complaint also with the federal trade commission against experian for breaking fcra laws and admitting to do so, I want the XXXX XXXX accounts removed they should n't be on my report, if not I will be hiring a consumer law lawyer and sue them.
Consumer complaint received 2015-04-22
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I was approved for Federal Mortgage assistance through Keep Your Home California. My loan servicer offered a loan modification but refused to accept the federal assistance funds. By declining the federal funds Wells Fargo Home Mortgage is rolling my delinquent balance back into principal and resetting my repayment at 360 months which ultimately makes a greater profit for the investor over the long term at my expense, in this case about {$80000.00} in additional interest. Wells Fargo Home Mortgage accepted a XXXX dollar bailout package from taxpayers, I find it completely unbelievable that they can decline accepting funds from a federal program that was created to help individuals in distress ... Especially those of use who are XXXX XXXX veterans from recent XXXX!
Consumer complaint received 2016-02-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (GA)

I saw an entry on my credit report from National Credit Systems. I wrote them a letter and they never responded to me, they only updated my credit report that I owe {$59.00}. I then researched the internet for the company and found them online. There is a section that allowed me to put in my social security number and the amount owed as listed on my credit report. It would not accept the information to allow me into their system. I have attached a screen shot of the information as listed on my credit report and the section in red the keeps asking me for valid information. As a result of this company not responding to my letter and I can not enter their system to verify this account how can they report on my credit repot that I owe this debt? And if I do owe this debt they are not communicating with me or allowing me into their system to verify this. It appears they just want to report negative information and can not verify to me I owe this debt. They are violating my rights and reporting false information on my credit report to damage my financial character and causing me XXXX.
Consumer complaint received 2015-04-22
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Commonwealth Financial Systems, Inc. (NJ)

Commonwealth Finance keeps trying to destroy my credit for items that were proven to have no longer been my responsibility. As proof, please see the attached documents from XXXX Collections Management Center that show I 've had these items removed from my credit report XXXX before Commonwealth Financial went in and changed the dates so as to fool the system and collect their fees above all else. The items were disputed, removed, then re-inserted without notification. They need to acknowledge these past deletions and leave a XXXX vet alone!
Consumer complaint received 2015-04-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NC)

While XXXX I attempted to make a larger than normal payment to a lender which resulted in my overpayment of what the lender was allowed to accept on a monthly basis. This resulted in my cancellation of recurring bank allotments to the lender under the impression that I had paid my account in full. The lender failed to notify me not only that I had over paid them but that they were charging me fees for the overpayment. This resulted in a 120 day delinquency being reported on my credit report. Once I returned from XXXX I received an email from an individual from the lending company that was assigned to identify the reasoning behind my large gap in payments after a previous perfect payment history. Once he informed me of what had occurred, I repaid the past due amount in full and the account was later closed
Consumer complaint received 2015-06-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MN)

Greentree has continued to attempt to collect a debt which was : * discharged debt according to credit report and no longer have right to continue to harass past borrower and continue collection efforts* they received asset and sold asset as full satisfaction of debt* MN Attorney General ruled they acted wrongfully and Greentree paid settlement to me for wrongful actions* Mn Attorney General obtained a signed a settlement and they need to discontinue any further collection efforts
Consumer complaint received 2015-04-21
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

We modified our Home Equity Line with Chase in XXXX XXXX. They advised us on a number of occasions that we are in default. We feel Chase has been harassing us. On XXXX XXXX, XXXX, they sent us a letter saying that they are attempting to collect a debt. Worse, they over billed us on the monthly amortization beyond the fixed rate of 2 % for 5 years. Records show that we are current in our mortgage payments.
Consumer complaint received 2015-07-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

My mortgage company marked us late to the credit bureau for XX/XX/XXXX for 30 days and for XX/XX/XXXX for 60 days when we paid both months on time. We entered into an approved loan modification loan that started XX/XX/XXXX to XX/XX/XXXX. We have statement that show we paid every month on time. In XX/XX/XXXX my mortgage company PennyMac said the Loan Modification Dept. had not finished the paperwork, so to pay the same modification amount for XX/XX/XXXX, which we paid on time. XX/XX/XXXX at XXXX we received a XXXX package with our loan modification paperwork saying to sign and return them by XX/XX/XXXX. I called and PennyMac said to take a week or so to review and then sign and XXXX back as we did. I called in XX/XX/XXXX to make a payment and they said since the modification was finalized XX/XX/XXXX. they did n't expect us to make a payment, that month was rolled into the new loan modification. I was told to make the next payment in XX/XX/XXXX, which we did on time. 

A Rep. at PennyMac sent us a letter saying we were not late in XX/XX/XXXX, but said they would not remove XX/XX/XXXX late reporting. I sent her letter to the credit bureaus and received a letter saying PennyMac said they did n't send the letter. 

I have PennyMac statements showing I paid every month on time. I also have the letter from PeenyMac saying they were in error marking us late for XX/XX/XXXX. Also the paperwork for my new mod loan. 

I 've sent several emails to PennyMac, which I have copies of from their website. I 've spoke to several reps. Who have incorrect information and I 've faxed all my paperwork to them. 

Please help.