davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I really didn't see choices that fit so I hope this goes to the correct place. Today, XX/XX/XXXX I signed on to Chase.com to pay a mortgage and credit cards. At sign in a screen appears that directs me to read and accept an Electronic agreement and a Digital agreement. If I do not agree I will not be forwarded to and no longer have access to the accounts. Now I know I'm expected to click and continue as 99 % do but I have a little time, stuck at home you know, so I read. The first document is 9 pages long. As expected it is written to completely obfuscate its intent but I kind of get the drift. The second, attached, is a full 49 pages long and written even worse. I am not supposed to understand this unless I spend several hundred dollars with an attorney to decipher it. 
I understand the need to be legally specific but when it deliberately descends into the totally incomprehensible one can only assume that there is little good and much bad for the consumer. This thing was not written for my benefit. 
The proof will be how many actually read it let alone understood. Not good.
Consumer complaint received 2024-10-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Relay Financial (US), Corp. (MD)

I transferred {$3200.00} on XXXX from Relay XXXX  ( XXXX XXXX  from a there business account to my personal account. Money was never received they keep the money even after providing documentation that they requested. I asked to cancel the transaction they wouldnt do it.
Consumer complaint received 2020-06-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have an auto loan with a national-sized bank institution on auto pay since the start of the loan in XX/XX/XXXX. Payments were scheduled, in error, only for a finite time limit ; and they were scheduled to stop in XX/XX/XXXX. Unbeknownst to me ; payments in XXXX & XXXX & XX/XX/XXXX were not made because of the auto pay halt ( which was an error ). 

A REPO LETTER WAS SENT WITHOUT ANY PRIOR WARNING OF LATE PAYMENT -- I was only aware of the past due payments UNTIL I received a REPO threat letter in XX/XX/XXXX. 

NO ATTEMPT TO WARN OR ADVISE ON LATE PAYMENT STATUS -- I was NEVER warned, either by telephone call or in writing ; by loan institution that payments had been halted from XXXX-XX/XX/2020. When I call the bank ; they indicated that they had called on XX/XX/XXXX ( ONE TIME ONLY ) ; after 60 days. They left a voicemail pf the XX/XX/XXXX call attempt- no other efforts to advise me of the late payments were made by the bank by phone call or written notice. The XX/XX/2020 call was the only attempt to contact me by phone. The REPO letter had a XXXX XXXX XXXX XXXX date. 

DENIAL OF ANY COVID19 FORBEARANCE -- When I called to inquire as to why they account had fallen off auto pay I was never given any confirmation of any attempts to warn me of past due payments. In addition ; NONE of of the representatives of auto loan institution offer me a grace period or any assistance as a result of COVID 19 they just stated the account was past due. NOBODY at this account asked if I needed help as a result fo the halt in payments. 

DENIAL TO ADEQUATELY SERVICE ACCOUNT -- During my attempt to make the account current I waited on the phone for 2 HOURS and had to speak to at least 3 operators ; two of them who disconnected the call when I asked to speak with an account supervisor. One representatives ( when I called on a SAT ) indicated to me the he could not service the account because it was " in collections '' and I had to either go to a branch or call M-F only. When I inquired about why auto pay had been removed ; I had to call at least three different representatives before someone could give me a definite answer. 

ADVERSE REPORTING ON CREDIT REPORT -- When I inquired as to the affects to my credit report for the repo letter issued without any prior warning ; I was told I had to wait 90 days " to find out ''. There was NO offer to support correct the record or to determine why I was NOT warned about auto pay shutting of or before the REPO letter was to be issued. 

WAVIER OF LATE FEE -- Albeit the COVID effects and period history of not having ANY late payments since the commencement of the loan ; I was NEVER as offer to have the late fee waived. I had to call and ask for this request twice. I was to told at the bank branch the fee would be waived but when the new statement was issued it was NOT waived. I had to call and request it waived over the phone ; otherwise it would have NEVER been waived.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TN)

Have been trying to login Equifax for my free credit report for a week. It says to call XXXX. Called that today XXXX at XXXX. On hold for 45 min then XXXX answered and said he didn't know how to fix it. Apparently all he has to do is give me a pin so I can sign in, but he wouldn't do anything to help. I cant get any contact info or even an address, to talk to someone to get my supposedly free annual credit report. Had no problem getting it from the other 2 bureaus, XXXX  and XXXX XXXX.
Consumer complaint received 2020-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (UT)

so I changed my cards from the XXXX XXXX XXXX to the explore when I changed products I was informed I would not get the annual fee of the XXXX card until next year for the XXXX they charged me this year for it and because of the corona virus too I can't even really use much of the benefits this year and I knows that exactly was I told before ic hanged cards but no one will help me to waive the annual this year I have sent several email about it and no one want s to help I know what I was told and no one wants to believe me.
Consumer complaint received 2020-05-21
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. (AR)

This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report I saw an outrageous amount of accounts under my name are not mine. Please delete these items from my report. XXXX XXXXXXXX {$370.00} XXXX XXXX  XXXX {$580.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXXXXXX {$440.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2020-06-30
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. (GA)

Since XXXX, I've been disputing a medical bill with Experian from XXXX. I went through all the proper channels of contacting both companies but am not being heard. I contacted Experian recently via mail, phone and online for assistance with a medcial bill reflecting on my report that I advised I didn't owe. I've always had active medical insurance since XXXX ( as a XXXX  in college ), and I've never neglected a bill nor created one without the use of my insurance. I have documentation that insurance was available to me at the time of this medical claim, and that insurance could cover this entire bill had it been my hospital charge. 

I filed a complaint with XXXX  on not giving up " the burden of proof '' showing where this debt is VALIDATED. All I received ( see attached ) was a bill with the name on it. No signature form or any other pertinent information showing that this is indeed my debt. 

I am looking for assistance with getting this debt deleted since all debt validation attempts were not executed by the Credit Bureau Experian or the collection agency XXXX. 

I have attached all dispute correspondence of the past to see that proper measures were taken without proper reciprocation. 

I ask that this account is deleted from ALL bureaus starting with Experian due to their negligence of proper due dilligence to properly protect me as a consumer. 

Thank you, XXXX XXXX XXXX
Consumer complaint received 2020-05-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio recovery and associates is continuously violating federal law. By trying to collect a debt that can not be 100 percent validated or verified accurately. Per section 809 ( b ) of FDCPA. 

Account : # XXXX Original creditor : XXXX XXXX XXXX  XXXX {$1900.00}. 

I have sent PRA,, several validation request to accurately validate this debt. By requesting the following. 

: Proof of original creditor ; name address and telephone number : Proof of how they calculated debt they say I owe, original credit limits and past due balance. 

: Proof of last payment made and received, amount & date : : Proof of the right to collect a debt in my state or territory ; : Proof of statute of limitation Under federal law, a debt collection company must provide full and complete validation. Per FDCPA.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (KS)

I got a loan on XX/XX/year> for a XXXX through XXXX XXXX. The loan was for {$220000.00} and it was a XXXX lease. I paid the downpayment and all monthly payments up front. The car was totaled and my insurance company paid out XXXX XXXX and received the title and they sold the car. I received my downpayment and pro-rata monthly payments as well from the insurance payout. XXXX XXXX received payment in full and released the title to my insurance company. I have attached emails and communication along with documentation with my insurance company and the dealer, XXXX XXXX XXXX
Consumer complaint received 2020-06-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (OH)

In XX/XX/2020 I applied for Forbearance on my mortgage. I was not behind but I wanted to make sure I could continue paying. My forbearance started on XX/XX/2020. I paid {$600.00} at the end of XXXX and XXXX to cover my Principal and Escrow for XXXX and XXXX. My mortgage payment is {$900.00}. I received a letter from Lakeview Loan care on XX/XX/2020. They want {$1800.00} by XX/XX/2020. I should only owe {$600.00}. I know I do not owe them this much money and they should not be requesting upfront payment for what I will owe at the end. 

I have had nothing but problems with this mortgage company. At the end of last year, I received a letter from them wanting {$1200.00} that I did not owe. I paid {$1400.00}. I paid my mortgage on time every month and my insurance and taxes stayed the same without any changes so my escrow should not have been short. It seems like every year the company is asking me for money I don't owe. They have applied this current increase without 30 days notice and because of the Cares Act, this is supposed to be handled when my forbearance is coming to an end.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (DC)

I deposited a check from my outside business account. The account was shared with a business partner who stated he did not receive the check as it took several months to receive the check from the bank. The check was for {$5500.00}. After communication, the business partner explained he made the claim in error due to documents sent to multiple different addresses as we live in different areas and the bank taking an extended time to send the check from the account. This was due to the business account being closed for inactivity. He expressed this to the claiming bank and the claim was not continued with that bank. This was communicated to XXXX XXXX XXXX and immediately the bank closed my account. The timing of my account being closed was directly after receiving my direct deposit from work. I attempted to use my card XX/XX/year> and my card was declined. Shortly after, I called the bank and was told that my account had a hold on it for investigation. After the phone call, I received an email stating what I was told. I called back about this email and then was told my account would be closed. This is less than XXXX minutes in time. I have been waiting for further communication and did not receive any correspondence since XX/XX/year>. This email stated the account will be closed and they have concluded their final review. I called capital one again on XX/XX/XXXX and was told they can not give any information. I called again on the XXXX as I am not really stressed due to not having my funds. I have not been able to pay my rent and am currently in a space where I soon will be evicted. The information given to me in the final call was that the investigator is still investigating and they want to determine whether or not they are going to use the funds to send back to the bank claiming fraud. They will not let me know when I will see my money if at all in their words. Beyond the fact that they are unhelpful, they have been extremely rude and have no sympathy for the situation I am in. I really need the funds in my account which would be {$1400.00}.
Consumer complaint received 2020-05-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NJ)

On XX/XX/2020 I tried to transfer my funds from PNC bank to my new XXXX XXXX  account. XXXX uses XXXX to link bank accounts, but PNC blocked the transfer, even after multiple attempts.
Consumer complaint received 2024-10-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LAKEVIEW LOAN SERVICING, LLC (CT)

In 2023, I initiated a process to attempt to remove my PMI with a servicer. I submitted a complaint at that time, the process was never completed, and the mortgage was sold late last year to Lakeview Mortgage. I attempted to start this process again with them in XXXX. Since that time I've sent XXXX separate requests via their website, requesting either a call or paperwork to initiate this process, and in all but the first case ( which said in order to handle this process I needed to update my phone number? ) I was told I'd get some guidance within XXXX days ... which has never happened. 

I'm paying {$160.00} per month for PMI. The mortgage balance is {$410000.00}. Their own estimator is showing the value at {$660000.00} ... and their system does not even factor in that we finished the basement of the property and added XXXX square feet in living space ( which is when I initially attempted to get the PMI removed from the former servicer ).
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.
Consumer complaint received 2020-06-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc. (DE)

On Friday XX/XX/XXXX when I checked my credit report I saw a medical collection of from XXXX XXXX placed by Tek Collect Inc. I have never received services from XXXX XXXX and when I reached out to Tek Collect via phone they said in order for me remove this negative marker from my credit report I have to send them a XXXX  of the amount. 
I informed them that this is not my account and they have never sent me any documentation in regards to the debt. They provided me an address where they said that a letter was mailed to which doesn't belong to me. They still said that I will have to pay them to delete the negative marker from my credit report which is unfair.
Consumer complaint received 2020-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My dispute is with XXXX XXXX. I have done several disputes with the company and on my credit reports. I have no knowledge of these accounts they have listed on my report. I've sent disputes and asked to send me signed documentation proving these accounts are mine. I keep getting letters back stating the accounts are verified and are mine with copies of billing statements, but nothing saying I signed up for these accounts bearing my signature. I recently went through a separation from my ex husband, ( due to XXXX  XXXX and us being illegally married because he was still married to his first wife. ) I tried to dispute with the courts and he said he only did it for the insurance and didn't think it was illegal. They didn't follow thruoug with the bigamy charges. He fraudulantly kept the house ( rental ) with all of my personal documents. He has gotten a lot of things fraudalantly in my name but without physical proof I didn't consent to it, I am not able to file charges. According to the magistrate. 
I have been disputing these charges for months and have also sent factual disputes for the discrepencies on each account. But XXXX insists on keeping it on my credit reports in order for someone to be resposible and pay. They have CHARGED OFF these accounts several times when I dispute them. Each account has been charged off 5-8 times. The accounts regularly updates even though it is charged off. They have negatively reaged the accounts changing deliquincy status of accounts to fool the credit bureaus into thinking it more recent. From my understanding, re-aging accounts is illegal and is a violation of the Fair Credit Reporting Act. When I dispute these accounts, the change the status to closed then later back to charged off. They have done this multiple times which negative affect my credit reports. XXXX  lists accounts closed and reports missed payments/change payment history, then removes missed payments, then changes back, which constantly negatively impacts my report. If accounts are charged off, how can a payment history be added. 
As of the recent dispute, they listed that they received a payment on each of the accounts which I have not made any payments on any of these accounts. Again, reaging the accounts on my credit reports. Isn't this illegal practicing? 

From my research of this company, they are known for illegal practicing and not sure why they are allowed to continue. I would like for them to remove the listed accounts from my credit reports : XXXX/XXXX XXXX/XXXX  ( XXXX  ) XXXX/XXXX   XXXX/XXXX  ( XXXX ) XXXX/XXXX   XXXX/XXXX  XXXX/XXXX  XXXX/XXXX  ( ( XXXXVisa ) XXXX/XXXX  ( XXXX  )
Consumer complaint received 2024-10-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (NY)

The bank has not decreased its balance APR despite the recent XXXX basis points ( XXXX or half a percentage point ) rate cut from the Federal Reserve, US Bank NA continues to maintain a usury, rent-seeking annualized interest rate ( APR ) for purchases ( as of XX/XX/year> ) of approximately 19.21 % and a cash advance APR of NA ( as of XX/XX/year> ) on past, current revolving and future balances on my personal XXXX XXXX XXXX XXXX XXXX XXXX credit card.
Consumer complaint received 2024-07-25
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. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Dear Sir/Madam, I am writing to bring to your attention a serious matter regarding the misconduct of Experian, a leading credit reporting agency. Despite providing all necessary documentation per Section 605C regulations, Experian has failed to remove negative items from my credit report, causing significant harm to my financial reputation. 

On XX/XX/XXXX, I diligently submitted trafficking documentation through the designated trafficking dispute website for Experian. In the process, I experienced multiple challenges accessing the website and when I did eventually get access the system kept timing out forcing me to lose all previously entered information. Regrettably, I received no email confirmation of receipt or written acknowledgment of the status of my submission. Despite my repeated efforts to navigate the system and ensuring proper documentation, the need for more transparency and accountability on Experian 's part is deeply concerning. 

It is imperative to highlight that the determination letter provided by the non-governmental 501-C3 organization does comply with federal requirements and meets the criteria as a representative of a nongovernmental entity actively combatting XXXX XXXX  The organization is engaged in identifying XXXX XXXX XXXX  providing essential services to victims, conducting community outreach and awareness programs, offering training on prevention, and undertaking various initiatives to combat XXXX XXXX 

Moreover, it is particularly alarming that Experian did not attempt to contact the organization for further clarification, despite the contact information being readily available. This lack of due diligence on their part is not only unjust but also a blatant violation of federal laws of fair credit reporting practices.