davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (MI)

This complaint concerns resolution of a fraudulent check presented to Chase Bank that was posted against my account. I have been working through my local bank ( XXXX XXXX ) branch for 13 weeks to try to spur resolution of the case but am told that it is in Chases hands, it could take months, and I am prohibited from getting any information from them directly. Details : I have had a business checking account with XXXXXXXX XXXX  since XXXX. 
I initially wrote a check to XXXX XXXX XXXX on XX/XX/XXXX for {$47.00}. 
That checks payee and amount were altered, presented to Chase Bank and the {$19000.00} check was posted to my XXXX XXXX account on XX/XX/XXXX ( copy of altered check attached ) I reported the situation to my local XXXX Bank branch manager, XXXX XXXX XXXX on XX/XX/XXXX. XXXX requested I fill out an affidavit of fraud and report it to the XXXX XXXX Police ( case # XXXX ). Both actions were completed by XX/XX/XXXX. I also requested to be immediately set up with positive pay to prevent further issues on my account. 
Chase Bank called me on XX/XX/XXXX and asked if I knew XXXX XXXX ( the payee of the fraudulent check ), to which I replied absolutely not. 
I followed up with the local XXXX branch 7 or 8 times over the next 2 1/2 months, and was told my case was with Chase Bank for investigation and that it would take a while. 
After inquiring on XX/XX/XXXX about the status, XXXX said they had no update and suggested I go back to the XXXX XXXX Police to see if they had an investigation update. At that point, it was apparent to me that we needed to move beyond the local office and I requested that someone above the branch level become involved. 
I then was referred to XXXX ( I don't have a last name, but the case # is XXXX ) at XXXXy XXXX XXXX Executive Client Relations XXXX. We spoke on XX/XX/XXXX and, while apologetic, XXXX said the matter was in Chase 's hands and they had no updates and couldn't help me further.
Consumer complaint received 2022-11-09
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: CarMax, Inc. (LA)

VIOLATION OF 15 U.S.C. 1681c-1 ] 605A Identity theft prevention ; fraud alerts for victims of Identity Fraud, Unauthorized Release of Information by XXXX/ Officers/ Employees to CARMAX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (OR)

I have sent Equifax the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent inquiry immediately. 

XXXX XXXX XXXX  inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX- inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C , 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (ME)

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.

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 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2017-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I 've contacted all 3 credit bureaus by mail, online, and over the phone to dispute inquiries on my credit reports. I 've put a fraud alert on all 3 as well. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-11-07
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (CT)

There has been several vendors all on either XXXX or XXXX that when purchasing a product that they charge much more on the tax that is from my state ( CT ) and when dealing with PayPal they do not give you back the overcharged amount. As they state it is part of the handling and service charges!?!? But when I deal with an individual vendor they always apologize and refund the overcharged amount! So I am not sure whos to blame either the foreign company or PayPal!?
Consumer complaint received 2022-11-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (KS)

Seventh Avenues card {$280.00} Montgomery ward card XXXX These accounts were opened in XXXX when I was XXXX XXXX  in the military. I did not open these accounts and I did not make any charges I lived in XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and I had no idea these accounts were in my name until XX/XX/XXXX. I would like for these accounts to be removed from my credit report.
Consumer complaint received 2022-11-09
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: TRUIST FINANCIAL CORPORATION (FL)

Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX or XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Phone : XXXX Auto Loan Amount : {$16000.00} Defaulted XXXX, XXXX  Supporting letter attached Car was repossessed Numerous attempts to have this removed from my credit reports, as this was defaulted over 7 years ago now. No resolution through company or credit reporting agencies. Regional acceptance does not show charge off amount or correct dates of default, does not report that far back.
Consumer complaint received 2022-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (AZ)

We purchased our current home in 2015 for {$170000.00}. We currently owe {$130000.00}. That's an XXXX of XXXX XXXX from the original purchase price. According to the cfpb website the servicer is required to drop the PMI at XXXX XXXX original XXXX. I called my servicer and asked why they hadn't dropped my PMI. They told me they weren't required to. I told them according to cfpb they were required to. The person asked his manager and they confirmed that they don't need to drop it at XXXX XXXX of the original XXXX. They also told me I needed to submit a signed request to drop the PMI. They would then review it and decide what came next.
Consumer complaint received 2022-11-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (PA)

Synchrony Bank is still reporting on my credit with three credit bureaus XXXX, XXXX and XXXX that I have a revolving credit balance of {$2400.00}. Synchrony Bank sent me a letter advising me that I can settle my account for a payment of $ {$1400.00}, I called Synchrony Bank to make the payment, however ; they have refused to accept my payment, no payment at all they refused to take. They told me my account was sold, however ; I never received a letter stating my account was sold and I also have not received notification from this agency stating that this debt was owed. Synchrony Bank is who I had the debt with and they have refused my payment ; therefore they should not be reporting a revolving balance on my credit report. They did not indicate on my credit report that they sold my account to another lender.
Consumer complaint received 2022-11-09
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc. (TX)

My client had recieved some covid assistance in XX/XX/XXXX and XX/XX/XXXX. XXXX liens were filed with XXXX XXXX from the Secretary of Housing and Urban Development. We were able to obtain a payoff for XXXX of the liens, but not for the other one. After many attempts to get the payoff from HUD servicer, I was told that they were not the ones responsible. It was the mortgage servicer that did not properly file the paperwork for HUD to be able to give us the payoff. My client was supposed to close on the sale of his home on XX/XX/XXXX. Myself and the title company have been contactiong Mr. Cooper since early XXXX and now I call almost daily for an update and they can not provide me with any news other than they are working on it. I've asked several times for a manger call back and have never recieved a call back.
Consumer complaint received 2022-11-09
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: National Credit Adjusters, LLC (AZ)

Well this all started when I got out of XXXX and I wanted to build my credit looked on my credit report and found a collection but it's not mine and during the time that they said that my collections were there was taken I was XXXX and lXXXX XXXX  and homeless I had no job no way of getting a loan they can't give me any information on who it was or just it was an online account and that and that's all they could give me I file do XXXX XXXX and XXXX since XX/XX/XXXX I've done it three times up until XXXX XXXX  the last time they they denied my disputes. XXXX in the other hand I can't figure out cuz I can't afford to pay for their site right now but they dropped the collections and I had them dispute it for me and I can't get any information on what this dispute said but it dropped off my credit report to them so I ' know fraud and they figured it out cuz I know it just brought. Looking at my report of that other thing other loans taken out of my name that weren't mine I've had my identity stolen since XXXX XXXX. When I talk to them they're giving me different dates and when the the loan was actually taking out but their dates is XXXX XXXX XXXXXXXX and they're trying to tell me it was a different time which is impossible because I was living in the desert in XXXX. I just wanted to tell you the attached file I sent you is a copy of my court records off of my credit report stating that I was XXXX at the time they're saying I took this loan out.
Consumer complaint received 2022-11-09
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: EQUIFAX, INC. (MD)

I have contacted Equifax on XX/XX/XXXX and XXXX regarding the XXXX account which should have been removed from my account since XX/XX/XXXX. This account last activity was XX/XX/XXXX and closed due to the student loan being transferred to another loan serviced. I disputed the transaction based on age of account but they stated the account was verified and added a remark that payment scheduled updated. Upon speaking with a representative I was told they can not remove the account and to contact XXXX. I contacted XXXX and a representative verified that no information had been updated nor any payment information. I was also told that they do not have the capability to remove the account from Equifax, it has to be done by Equifax. I contacted Equifax on XXXX and was told that my account was updated again and therefore this transaction will stay on my account an additional 7 years from XX/XX/XXXX. This account is already over 10 years old and no information has changed according to the loan services. I have been hung up on by representatives and no 1 seems to understand that this closed account has aged off my credit report. The other bureaus have removed this account. I need help because Im not getting anywhere with this issue.
Consumer complaint received 2018-02-09
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: JPMORGAN CHASE & CO. (SC)

I tried to dispute charges on my CHASE BANK CARDS with the following companies XXXX XXXX XXXX AND XXXX XXXX. I paid these companies a combined total of {$6800.00} ALONE on my XXXX XXXX XXXXXXXX Cards. 

I paid these ( 2 ) companies a combined amount of over {$26000.00} for services that were never provided as was described to me, that is the reason for this dispute! 

Around the time of XX/XX/2015, several different companies approached me when I was starting and trying to build a successful online business. In that period, I was taken advantage of and defrauded for thousands of dollars by these fraudulent companies who falsely claimed and led me to believe that I would achieve substantial earnings by signing up with them. 

XXXX XXXX guaranteed 600,000 Visitors & preload ; charge for this {$10000.00} XXXX XXXX. XXXX. - Corporate Level Platform and Marketing ; charge for this {$16000.00} All this was to create exposure, guaranteed traffic thus generating greater sales. In total I have paid them thousands of dollars and not made a single dime. All I have is nothing but a worthless non- functioning web site and severe credit card debt. 

It has been brought to my attention that these companies are con artist and the FTC is investigating companies such as these. PLEASE HELP ME GET MY MONEY REFUNDED AND HELP PUT A STOP TO THIS.
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings (TX)

My lease was ended early by XXXX at XXXX XXXX in XXXX XXXX, Texas due to 9-10 raccoons being in the roof which caused the roof to sink in with XXXX and XXXX. I was getting physically sick and saw a doctor 3 times. I called the Department of Environmental Health myself as XXXX at XXXX XXXX was not taking my claims seriously. The Department of Health did write a report that I have attached that there was XXXX and XXXX stains in the roof and even declared that it was all over the property making it hazardous as you will see in the documents ( they attached pictures but it was too big for this file, please let me know if I can send another way ). I had never paid rent late with XXXX at XXXX XXXX, I always paid on the XXXX of the month, and even when I was laid off due to COVID, I still paid rent on time, as I have always paid rent on time everywhere I have lived. I paid up until the day my lease was ended by them, XX/XX/XXXX, which was XXXX weeks short of a year with them ; I even paid the utility bill after it was sent to me after I had already left. XXXX at XXXX XXXX ended my lease and told me they would find me a new unit, and kept pushing the date back, and it went on for over XXXX weeks, knowing that I was getting sick and I wasn't sleeping. I was very scared for my health as the raccoons were getting more active due to the weather getting cooler. I decided to move to another place, and had no more obligation to stay at XXXX at XXXX XXXX due to the lease ending for apartment XXXX. I made a payment of {$420.00} to honor the days I was there up until the lease ended. 

XXXX at XXXX XXXX sent the amount for a full month of rent plus charges to a collection agency, XXXX XXXX international. 

I spoke to a representative, XXXX XXXX, at IQ Data International on XX/XX/XXXX who tried to insult my intelligence and became aggressively angry with me on the phone, and threatened that I would not be able to move on with my life as he was shouting it at me. After our call I notice an additional charge was added. I believe he tampered with the amount due to his anger and unprofessionalism.
Consumer complaint received 2022-11-07
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: U.S. BANCORP (GA)

I have been going through this dispute process with Elan Financial/Ameris Bank for over 2 months. They are not properly handling a payment which was made in error and the amount surely was not authorized. I have sent them proof by fax on 2 different occasions showing that that payment for {$6100.00} was made in error. But, they have an " XXXX '' of a agent ( XXXX ) working on my case, who keeps saying that I rented a piece of equipment, so that somehow makes the charge valid. Even though XXXX herself states that I only possessed the equipment for 14 days, and I provided proof that the rental fee for the equipment was on {$1100.00}. So, I was totally puzzled how she came to the conclusion that a payment made in error was legitimate and should remain on my account. That amount is more than 12 times what I would owe for the rental. I am completely appalled by the lack of customer service by Elan Financial. 

I sent then evidence that that charge was an error as well as myself asking XXXX XXXX, the merchant, to reverse the charge.
Consumer complaint received 2022-11-09
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: U.S. BANCORP (CA)

U.S. Bank ( parent company : U.S. Bancorp ) is not responding to why my loan is delayed and not providing any schedule information. 

I applied to U.S. Bank for construction loan ( construction-to-mortgage ) and received pre-approval and approval - but then the loan was not issued. I am waiting .. waiting, but the loan never came. I've been approved- but have no loan. 

When you ask your banker or mortgage officer, they dont know what to say.

When searching for the possible reasons for the banks behavior, you will immediately find that it is related to the subject of Mortgage Forbearance, which is a program offered to people who were struggling to make their mortgage payments during the Covid-19 Pandemic. They were allowed to delay their mortgage payments, some up to a year and others even up to 18 months, such that this obviously short-changed the banks revenue. Lack of mortgage payments to lending institutes means lack of replenished funds for new mortgages. 

But this all follows a schedule. It is even documented by HUD ( attachment ) how the Mortgage Forbearance periods will take place, with end of the forbearance period ending six months after the Covid-19 National Emergency ends. During XX/XX/XXXX, the Covid-19 pandemic was declared over ( President Biden ) . But the forbearance periods are actually staggered, such that many forbearance periods have ended months ago. Anyones new mortgage loan can be considered in the here and now, with the latest possible postponement to XX/XX/XXXX. I am applied with a construction loan which is typically one-third the amount of a regular mortgage. Certainly this follows a different schedule because if it is one-third the amount of a regular mortgage, the time flow could be rightly divided by three ( one-third the delay time ). 

But U.S. Bank is apparently not saying anything about the forbearance issue to anybody - not to customers nor informing bank managers nor loan officers. All you get is a blank stare from your banker. 

Why is everybody so left-in-the-dark and not informed why your loan is not being issued? 

This might be the reason : During the pandemic period, instead of delaying new loans- they loaned out. Instead of stating a normal delay to new mortgage customers, they loaned at the time of their request ( without knowing the consequences ). Right now the bank is so strained with forbearance periods and with the new loans they issued right in the middle of the forbearance periods. No wonder they are speechless ( stunned ). 

Therefore, Instead of a fair delay-schedule to all new mortgage customers, some people have their mortgage loans right now, while others will be delayed who knows how long?